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SEZL vs UPST
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 SEZL is a Buy and UPST is a Hold.
Momentum Indicator for SEZL turns positive, indicating new upward trend
SEZL saw its Momentum Indicator move above the 0 level on October 28, 2026. This is an indication that the stock could be shifting in to a new upward move. Traders may want to consider buying the stock or buying call options. Tickeron's A.I.dvisor looked at 46 similar instances where the indicator turned positive. In 42 of the 46 cases, the stock moved higher in the following days. The odds of a move higher are at 90%.
Technical Analysis (Indicators)
Bullish Trend Analysis
SEZL moved above its 50-day moving average on October 09, 2026 date and that indicates a change from a downward trend to an upward trend.
The 10-day moving average for SEZL crossed bullishly above the 50-day moving average on October 15, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 8 of 9 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 89%.
Following a +3.72% 3-day Advance, the price is estimated to grow further. Considering data from situations where SEZL advanced for three days, in 187 of 206 cases, the price rose further within the following month. The odds of a continued upward trend are 90%.
The Aroon Indicator entered an Uptrend today. In 211 of 222 cases where SEZL Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 90%.
Bearish Trend Analysis
The 10-day RSI Indicator for SEZL moved out of overbought territory on October 23, 2026. This could be a bearish sign for the stock. Traders may want to consider selling the stock or buying put options. Tickeron's A.I.dvisor looked at 35 similar instances where the indicator moved out of overbought territory. In 31 of the 35 cases, the stock moved lower in the following days. This puts the odds of a move lower at 89%.
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 37 of 40 cases where SEZL's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 90%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where SEZL declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 85%.
SEZL broke above its upper Bollinger Band on October 08, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 15 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron PE Growth Rating for this company is 18 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Price Growth Rating for this company is 36 (best 1 - 100 worst), indicating steady price growth. SEZL’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Valuation Rating of 100 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: SEZL's P/B Ratio (19.492) is slightly higher than the industry average of (3.782). SEZL has a moderately high P/E Ratio (28.270) as compared to the industry average of (5.831). Projected Growth (PEG Ratio) (0.066) is also within normal values, averaging (3.918). Dividend Yield (0.000) settles around the average of (0.184) among similar stocks. P/S Ratio (7.800) is also within normal values, averaging (5.901).
The Tickeron Profit vs. Risk Rating rating for this company is 100 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. SEZL’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 79, placing this stock worse than average.
Momentum Indicator for UPST turns negative, indicating new downward trend
UPST saw its Momentum Indicator move below the 0 level on October 30, 2026. This is an indication that the stock could be shifting in to a new downward move. Traders may want to consider selling the stock or exploring put options. Tickeron's A.I.dvisor looked at 84 similar instances where the indicator turned negative. In 78 of the 84 cases, the stock moved further down in the following days. The odds of a decline are at 90%.
Technical Analysis (Indicators)
Bearish Trend Analysis
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 48 of 57 cases where UPST's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 84%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where UPST declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 90%.
The Aroon Indicator for UPST entered a downward trend on October 23, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Bullish Trend Analysis
The RSI Oscillator points to a transition from a downward trend to an upward trend -- in cases where UPST's RSI Oscillator exited the oversold zone, 36 of 36 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 90%.
The Moving Average Convergence Divergence (MACD) for UPST just turned positive on October 05, 2026. Looking at past instances where UPST's MACD turned positive, the stock continued to rise in 36 of 42 cases over the following month. The odds of a continued upward trend are 86%.
Following a +4.77% 3-day Advance, the price is estimated to grow further. Considering data from situations where UPST advanced for three days, in 235 of 279 cases, the price rose further within the following month. The odds of a continued upward trend are 84%.
UPST may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Fundamental Analysis (Ratings)
The Tickeron Seasonality Score of 8 (best 1 - 100 worst) indicates that the company is seriously undervalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron SMR rating for this company is 35 (best 1 - 100 worst), indicating strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Price Growth Rating for this company is 63 (best 1 - 100 worst), indicating fairly steady price growth. UPST’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Valuation Rating of 83 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (2.809) is normal, around the industry mean (3.782). UPST has a moderately high P/E Ratio (36.540) as compared to the industry average of (5.831). Projected Growth (PEG Ratio) (0.040) is also within normal values, averaging (3.918). Dividend Yield (0.000) settles around the average of (0.184) among similar stocks. P/S Ratio (2.160) is also within normal values, averaging (5.901).
The Tickeron PE Growth Rating for this company is 96 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Profit vs. Risk Rating rating for this company is 100 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. UPST’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 79, placing this stock worse than average.
UPST | ||
|---|---|---|
OUTLOOK RATING 1..100 | 50 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 83 Overvalued | |
PROFIT vs RISK RATING 1..100 | 100 | |
SMR RATING 1..100 | 35 | |
PRICE GROWTH RATING 1..100 | 63 | |
P/E GROWTH RATING 1..100 | 96 | |
SEASONALITY SCORE 1..100 | 8 |
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.
| SEZL | UPST | |
|---|---|---|
| RSI ODDS (%) | 4 days ago 89% | 4 days ago 90% |
| Stochastic ODDS (%) | 4 days ago 90% | 4 days ago 84% |
| Momentum ODDS (%) | 4 days ago 90% | 4 days ago 90% |
| MACD ODDS (%) | N/A | 4 days ago 86% |
| TrendWeek ODDS (%) | 4 days ago 89% | 4 days ago 90% |
| TrendMonth ODDS (%) | 4 days ago 90% | 4 days ago 87% |
| Advances ODDS (%) | 4 days ago 90% | 5 days ago 84% |
| Declines ODDS (%) | 7 days ago 85% | 8 days ago 90% |
| BollingerBands ODDS (%) | 4 days ago 79% | 6 days ago 88% |
| Aroon ODDS (%) | 4 days ago 90% | 4 days ago 88% |
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 overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
SEZL’s FA Score shows that 2 FA rating(s) are green while UPST’s FA Score has 0 green FA rating(s).
- SEZL’s FA Score: 2 green, 3 red.
- UPST’s FA Score: 0 green, 5 red.
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.
SEZL’s TA Score shows that 5 TA indicator(s) are bullish while UPST’s TA Score has 4 bullish TA indicator(s).
- SEZL’s TA Score: 5 bullish, 4 bearish.
- UPST’s TA Score: 4 bullish, 4 bearish.
Price Growth
SEZL (@Savings Banks) experienced а +2.07% price change this week, while UPST (@Savings Banks) price change was -3.20% for the same time period.
The average weekly price growth across all stocks in the @Savings Banks industry was +1.10%. For the same industry, the average monthly price growth was -1.63%, and the average quarterly price growth was -8.95%.
Reported Earning Dates
SEZL is expected to report earnings on Nov 04, 2026.
UPST is expected to report earnings on Nov 03, 2026.
Industries' Descriptions
@Savings Banks (+1.10% 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.
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SEZL and
Correlation & Price change
A.I.dvisor indicates that over the last year, SEZL has been loosely correlated with AFRM. These tickers have moved in lockstep 54% of the time. This A.I.-generated data suggests there is some statistical probability that if SEZL jumps, then AFRM could also see price increases.
| Ticker / NAME | Correlation To SEZL | 1D Price Change % | ||
|---|---|---|---|---|
| SEZL | 100% | +0.74% | ||
| AFRM - SEZL | 54% Loosely correlated | -1.83% | ||
| UPST - SEZL | 47% Loosely correlated | -7.33% | ||
| URI - SEZL | 43% Loosely correlated | -2.39% | ||
| BFH - SEZL | 42% Loosely correlated | -2.13% | ||
| SOFI - SEZL | 42% Loosely correlated | -4.83% | ||
More | ||||
UPST and
Correlation & Price change
A.I.dvisor indicates that over the last year, UPST has been closely correlated with AFRM. These tickers have moved in lockstep 72% of the time. This A.I.-generated data suggests there is a high statistical probability that if UPST jumps, then AFRM could also see price increases.
| Ticker / NAME | Correlation To UPST | 1D Price Change % | ||
|---|---|---|---|---|
| UPST | 100% | -7.33% | ||
| AFRM - UPST | 72% Closely correlated | -1.83% | ||
| SOFI - UPST | 68% Closely correlated | -4.83% | ||
| OMF - UPST | 54% Loosely correlated | -4.70% | ||
| HAPN - UPST | 54% Loosely correlated | -3.18% | ||
| COF - UPST | 52% Loosely correlated | -1.86% | ||
More | ||||
| 1 Day | |||
|---|---|---|---|
| ETFs / NAME | Price $ | Chg $ | Chg % |
| TUA | 19.67 | 0.15 | +0.77% |
| Simplify Short Term Treasury Futures Strategy ETF (TUA) | |||
| FCBD | 24.91 | 0.04 | +0.16% |
| Frontier Asset Core Bond ETF | |||
| ANGL | 27.68 | N/A | N/A |
| VanEck Fallen Angel High Yield Bond ETF (ANGL) | |||
| UXJL | 37.53 | N/A | N/A |
| FT Vest U.S. Equity Uncapped Accelerator ETF - July | |||
| CHPS | 74.81 | -6.49 | -7.98% |
| Xtrackers Semiconductor Select Equity ETF (CHPS) | |||