PMTS
Price
$27.30
Change
-$0.21 (-0.76%)
Updated
Aug 21, 12:18 PM (EDT)
Capitalization
320.21M
81 days until earnings call
Intraday BUY SELL Signals
UPST
Price
$30.20
Change
+$1.34 (+4.64%)
Updated
Aug 21, 03:01 PM (EDT)
Capitalization
2.81B
81 days until earnings call
Intraday BUY SELL Signals
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PMTS vs UPST

PMTS vs UPST Comparison Chart in %
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PMTS vs. UPST commentary
Aug 21, 2026

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is PMTS is a Hold and UPST is a Hold.

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COMPARISON
Comparison
Aug 21, 2026
Stock price -- (PMTS: $27.77 vs. UPST: $30.60)
Brand notoriety: PMTS and UPST are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: PMTS: 162% vs. UPST: 114%
Market capitalization -- PMTS: $320.21M vs. UPST: $2.81B
PMTS [@Savings Banks] is valued at $320.21M. UPST’s [@Savings Banks] market capitalization is $2.81B. The market cap for tickers in the [@Savings Banks] industry ranges from $677.12B to $0. The average market capitalization across the [@Savings Banks] industry is $34.32B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

PMTS’s FA Score shows that 2 FA rating(s) are green whileUPST’s FA Score has 0 green FA rating(s).

  • PMTS’s FA Score: 2 green, 3 red.
  • UPST’s FA Score: 0 green, 5 red.
According to our system of comparison, PMTS is a better buy in the long-term than UPST.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

PMTS’s TA Score shows that 4 TA indicator(s) are bullish while UPST’s TA Score has 4 bullish TA indicator(s).

  • PMTS’s TA Score: 4 bullish, 4 bearish.
  • UPST’s TA Score: 4 bullish, 5 bearish.
According to our system of comparison, PMTS is a better buy in the short-term than UPST.

Price Growth

PMTS (@Savings Banks) experienced а -6.09% price change this week, while UPST (@Savings Banks) price change was +5.15% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -2.21%. For the same industry, the average monthly price growth was +2.14%, and the average quarterly price growth was +8.72%.

Reported Earning Dates

PMTS is expected to report earnings on Nov 10, 2026.

UPST is expected to report earnings on Nov 10, 2026.

Industries' Descriptions

@Savings Banks (-2.21% weekly)

A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
UPST($2.81B) has a higher market cap than PMTS($320M). UPST has higher P/E ratio than PMTS: UPST (55.50) vs PMTS (23.83). PMTS YTD gains are higher at: 89.169 vs. UPST (-30.025). PMTS has less debt than UPST: PMTS (290M) vs UPST (1.94B). UPST has higher revenues than PMTS: UPST (1.12B) vs PMTS (568M).
PMTSUPSTPMTS / UPST
Capitalization320M2.81B11%
EBITDA76.3MN/A-
Gain YTD89.169-30.025-297%
P/E Ratio23.8355.5043%
Revenue568M1.12B51%
Total Cash19.3MN/A-
Total Debt290M1.94B15%
FUNDAMENTALS RATINGS
PMTS: Fundamental Ratings
PMTS
OUTLOOK RATING
1..100
89
VALUATION
overvalued / fair valued / undervalued
1..100
18
Undervalued
PROFIT vs RISK RATING
1..100
78
SMR RATING
1..100
100
PRICE GROWTH RATING
1..100
35
P/E GROWTH RATING
1..100
9
SEASONALITY SCORE
1..100
41

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

TECHNICAL ANALYSIS
Technical Analysis
PMTSUPST
RSI
ODDS (%)
Bearish Trend 2 days ago
89%
Bullish Trend 2 days ago
78%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
82%
Bullish Trend 2 days ago
84%
Momentum
ODDS (%)
Bullish Trend 2 days ago
86%
Bearish Trend 2 days ago
90%
MACD
ODDS (%)
Bullish Trend 2 days ago
78%
Bullish Trend 2 days ago
87%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
82%
Bearish Trend 2 days ago
89%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
80%
Bearish Trend 2 days ago
88%
Advances
ODDS (%)
Bullish Trend 11 days ago
80%
Bullish Trend 18 days ago
85%
Declines
ODDS (%)
Bearish Trend 8 days ago
82%
Bearish Trend 4 days ago
90%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
79%
N/A
Aroon
ODDS (%)
Bullish Trend 2 days ago
73%
Bearish Trend 2 days ago
88%
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PMTS
Daily Signal:
Gain/Loss:
UPST
Daily Signal:
Gain/Loss:
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PMTS and

Correlation & Price change

A.I.dvisor indicates that over the last year, PMTS has been loosely correlated with VSTS. These tickers have moved in lockstep 48% of the time. This A.I.-generated data suggests there is some statistical probability that if PMTS jumps, then VSTS could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To PMTS
1D Price
Change %
PMTS100%
N/A
VSTS - PMTS
48%
Loosely correlated
+0.31%
PRAA - PMTS
41%
Loosely correlated
-1.07%
R - PMTS
37%
Loosely correlated
-3.32%
UPST - PMTS
37%
Loosely correlated
+5.12%
AER - PMTS
36%
Loosely correlated
-0.95%
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