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UPST vs XYF
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 UPST is a Hold and XYF is a Hold.
UPST sees its Stochastic Oscillator ascends from oversold territory
On October 07, 2026, the Stochastic Oscillator for UPST moved out of oversold territory and this could be a bullish sign for the stock. Traders may want to buy the stock or buy call options. Tickeron's A.I.dvisor looked at 57 instances where the indicator left the oversold zone. In 51 of the 57 cases the stock moved higher in the following days. This puts the odds of a move higher at over 89%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The RSI Indicator points to a transition from a downward trend to an upward trend -- in cases where UPST's RSI Indicator exited the oversold zone, 31 of 36 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 86%.
The Momentum Indicator moved above the 0 level on October 15, 2026. You may want to consider a long position or call options on UPST as a result. In 69 of 84 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 82%.
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 37 of 42 cases over the following month. The odds of a continued upward trend are 88%.
Following a +1.38% 3-day Advance, the price is estimated to grow further. Considering data from situations where UPST advanced for three days, in 236 of 279 cases, the price rose further within the following month. The odds of a continued upward trend are 85%.
UPST may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Bearish Trend Analysis
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 12, 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.
Fundamental Analysis (Ratings)
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 76 (best 1 - 100 worst), indicating slightly worse than average 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 90 (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: P/B Ratio (2.811) is normal, around the industry mean (3.945). UPST's P/E Ratio (44.288) is considerably higher than the industry average of (14.459). Projected Growth (PEG Ratio) (0.040) is also within normal values, averaging (3.918). Dividend Yield (0.000) settles around the average of (0.050) 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 98 (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 78, placing this stock worse than average.
XYF in -4.15% downward trend, declining for three consecutive days on October 14, 2026
Moving lower for three straight days is viewed as a bearish sign. Keep an eye on this stock for future declines. Considering data from situations where XYF declined for three days, in 208 of 273 cases, the price declined further within the following month. The odds of a continued downward trend are 76%.
Technical Analysis (Indicators)
Bearish Trend Analysis
The Moving Average Convergence Divergence Histogram (MACD) for XYF turned negative on September 30, 2026. This could be a sign that the stock is set to turn lower in the coming weeks. Traders may want to sell the stock or buy put options. Tickeron's A.I.dvisor looked at 48 similar instances when the indicator turned negative. In 35 of the 48 cases the stock turned lower in the days that followed. This puts the odds of success at 73%.
XYF moved below its 50-day moving average on October 12, 2026 date and that indicates a change from an upward trend to a downward trend.
The 10-day moving average for XYF crossed bearishly below the 50-day moving average on October 09, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 11 of 17 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 65%.
Bullish Trend Analysis
The Stochastic Oscillator demonstrated that the ticker has stayed in the oversold zone for 2 days, which means it's wise to expect a price bounce in the near future.
The Momentum Indicator moved above the 0 level on October 15, 2026. You may want to consider a long position or call options on XYF as a result. In 80 of 107 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 75%.
The 50-day moving average for XYF moved above the 200-day moving average on September 21, 2026. This could be a long-term bullish signal for the stock as the stock shifts to an upward trend.
Following a +6.87% 3-day Advance, the price is estimated to grow further. Considering data from situations where XYF advanced for three days, in 194 of 253 cases, the price rose further within the following month. The odds of a continued upward trend are 77%.
XYF may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
The Aroon Indicator entered an Uptrend today. In 177 of 213 cases where XYF Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 83%.
Fundamental Analysis (Ratings)
The Tickeron Valuation Rating of 1 (best 1 - 100 worst) indicates that the company is seriously undervalued 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 (0.164) is normal, around the industry mean (3.945). P/E Ratio (2.333) is within average values for comparable stocks, (14.459). Projected Growth (PEG Ratio) (0.370) is also within normal values, averaging (3.918). Dividend Yield (0.109) settles around the average of (0.050) among similar stocks. P/S Ratio (0.223) is also within normal values, averaging (5.901).
The Tickeron PE Growth Rating for this company is 48 (best 1 - 100 worst), pointing to consistent 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 54 (best 1 - 100 worst), indicating steady price growth. XYF’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron SMR rating for this company is 76 (best 1 - 100 worst), indicating weak sales and an unprofitable 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 Profit vs. Risk Rating rating for this company is 91 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. XYF’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 78, placing this stock worse than average.
UPST | XYF | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 20 | 85 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 90 Overvalued | 1 Undervalued | |
PROFIT vs RISK RATING 1..100 | 100 | 91 | |
SMR RATING 1..100 | 35 | 76 | |
PRICE GROWTH RATING 1..100 | 76 | 54 | |
P/E GROWTH RATING 1..100 | 98 | 48 | |
SEASONALITY SCORE 1..100 | 50 | n/a |
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.
XYF's Valuation (1) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for UPST (90) in the null industry. This means that XYF’s stock grew significantly faster than UPST’s over the last 12 months.
XYF's Profit vs Risk Rating (91) in the Finance Or Rental Or Leasing industry is in the same range as UPST (100) in the null industry. This means that XYF’s stock grew similarly to UPST’s over the last 12 months.
UPST's SMR Rating (35) in the null industry is somewhat better than the same rating for XYF (76) in the Finance Or Rental Or Leasing industry. This means that UPST’s stock grew somewhat faster than XYF’s over the last 12 months.
XYF's Price Growth Rating (54) in the Finance Or Rental Or Leasing industry is in the same range as UPST (76) in the null industry. This means that XYF’s stock grew similarly to UPST’s over the last 12 months.
XYF's P/E Growth Rating (48) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for UPST (98) in the null industry. This means that XYF’s stock grew somewhat faster than UPST’s over the last 12 months.
| UPST | XYF | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 86% | N/A |
| Stochastic ODDS (%) | 1 day ago 89% | 1 day ago 84% |
| Momentum ODDS (%) | 1 day ago 82% | 1 day ago 75% |
| MACD ODDS (%) | 1 day ago 88% | 1 day ago 73% |
| TrendWeek ODDS (%) | 1 day ago 90% | 1 day ago 78% |
| TrendMonth ODDS (%) | 1 day ago 88% | 1 day ago 79% |
| Advances ODDS (%) | 10 days ago 85% | 11 days ago 77% |
| Declines ODDS (%) | 6 days ago 90% | 4 days ago 76% |
| BollingerBands ODDS (%) | 1 day ago 81% | 1 day ago 86% |
| Aroon ODDS (%) | 1 day ago 88% | 5 days ago 83% |
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).
UPST’s FA Score shows that 0 FA rating(s) are green while XYF’s FA Score has 1 green FA rating(s).
- UPST’s FA Score: 0 green, 5 red.
- XYF’s FA Score: 1 green, 4 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.
UPST’s TA Score shows that 6 TA indicator(s) are bullish while XYF’s TA Score has 6 bullish TA indicator(s).
- UPST’s TA Score: 6 bullish, 2 bearish.
- XYF’s TA Score: 6 bullish, 4 bearish.
Price Growth
UPST (@Savings Banks) experienced а -2.24% price change this week, while XYF (@Savings Banks) price change was -3.30% for the same time period.
The average weekly price growth across all stocks in the @Savings Banks industry was -2.92%. For the same industry, the average monthly price growth was -4.51%, and the average quarterly price growth was -8.83%.
Reported Earning Dates
UPST is expected to report earnings on Nov 03, 2026.
Industries' Descriptions
@Savings Banks (-2.92% 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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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 73% 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% | -4.81% | ||
| AFRM - UPST | 73% Closely correlated | -2.52% | ||
| SOFI - UPST | 70% Closely correlated | -3.58% | ||
| OMF - UPST | 54% Loosely correlated | +0.29% | ||
| HAPN - UPST | 54% Loosely correlated | -1.23% | ||
| COF - UPST | 52% Loosely correlated | +1.45% | ||
More | ||||
XYF and
Correlation & Price change
A.I.dvisor tells us that XYF and AER have been poorly correlated (+31% of the time) for the last year. This A.I.-generated data suggests there is low statistical probability that XYF and AER's prices will move in lockstep.
| Ticker / NAME | Correlation To XYF | 1D Price Change % | ||
|---|---|---|---|---|
| XYF | 100% | -2.73% | ||
| AER - XYF | 31% Poorly correlated | -0.16% | ||
| AFRM - XYF | 30% Poorly correlated | -2.52% | ||
| YRD - XYF | 27% Poorly correlated | -2.72% | ||
| UPST - XYF | 26% Poorly correlated | -4.81% | ||
| FINV - XYF | 25% Poorly correlated | -0.95% | ||
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