UPST
Price
$37.27
Change
-$0.64 (-1.69%)
Updated
Nov 19, 04:59 PM (EDT)
Capitalization
3.63B
89 days until earnings call
Intraday BUY SELL Signals
ZNKKY
Price
$12.34
Change
+$1.95 (+18.77%)
Updated
Nov 17 closing price
Capitalization
2.63B
Intraday BUY SELL Signals
Interact to see
Advertisement

UPST vs ZNKKY

Header iconUPST vs ZNKKY Comparison
Open Charts UPST vs ZNKKYBanner chart's image
Upstart Holdings
Price$37.27
Change-$0.64 (-1.69%)
Volume$97.1K
Capitalization3.63B
Zenkoku Hosho
Price$12.34
Change+$1.95 (+18.77%)
Volume$1.31K
Capitalization2.63B
UPST vs ZNKKY Comparison Chart in %
UPST
Daily Signal:
Gain/Loss:
ZNKKY
Daily Signal:
Gain/Loss:
View a ticker or compare two or three
VS
UPST vs. ZNKKY commentary
Nov 20, 2025

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 ZNKKY is a Hold.

Interact to see
Advertisement
COMPARISON
Comparison
Nov 20, 2025
Stock price -- (UPST: $37.27 vs. ZNKKY: $12.34)
Brand notoriety: UPST and ZNKKY are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: UPST: 80% vs. ZNKKY: 267%
Market capitalization -- UPST: $3.63B vs. ZNKKY: $2.63B
UPST [@Savings Banks] is valued at $3.63B. ZNKKY’s [@Savings Banks] market capitalization is $2.63B. The market cap for tickers in the [@Savings Banks] industry ranges from $625.52B to $0. The average market capitalization across the [@Savings Banks] industry is $20.25B.

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).

UPST’s FA Score shows that 0 FA rating(s) are green whileZNKKY’s FA Score has 2 green FA rating(s).

  • UPST’s FA Score: 0 green, 5 red.
  • ZNKKY’s FA Score: 2 green, 3 red.
According to our system of comparison, ZNKKY 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.

UPST’s TA Score shows that 4 TA indicator(s) are bullish while ZNKKY’s TA Score has 3 bullish TA indicator(s).

  • UPST’s TA Score: 4 bullish, 5 bearish.
  • ZNKKY’s TA Score: 3 bullish, 3 bearish.
According to our system of comparison, ZNKKY is a better buy in the short-term than UPST.

Price Growth

UPST (@Savings Banks) experienced а -5.93% price change this week, while ZNKKY (@Savings Banks) price change was +13.73% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -3.51%. For the same industry, the average monthly price growth was -5.68%, and the average quarterly price growth was +10.76%.

Reported Earning Dates

UPST is expected to report earnings on Feb 17, 2026.

Industries' Descriptions

@Savings Banks (-3.51% 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
Loading...
FUNDAMENTALS
Fundamentals
UPST($3.63B) has a higher market cap than ZNKKY($2.63B). UPST has higher P/E ratio than ZNKKY: UPST (143.35) vs ZNKKY (16.39). ZNKKY YTD gains are higher at: 39.678 vs. UPST (-39.467). ZNKKY has higher revenues than UPST: ZNKKY (52.5B) vs UPST (844M).
UPSTZNKKYUPST / ZNKKY
Capitalization3.63B2.63B138%
EBITDAN/A42.8B-
Gain YTD-39.46739.678-99%
P/E Ratio143.3516.39875%
Revenue844M52.5B2%
Total CashN/AN/A-
Total Debt1.47BN/A-
FUNDAMENTALS RATINGS
ZNKKY: Fundamental Ratings
ZNKKY
OUTLOOK RATING
1..100
98
VALUATION
overvalued / fair valued / undervalued
1..100
80
Overvalued
PROFIT vs RISK RATING
1..100
55
SMR RATING
1..100
9
PRICE GROWTH RATING
1..100
40
P/E GROWTH RATING
1..100
19
SEASONALITY SCORE
1..100
39

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
UPSTZNKKY
RSI
ODDS (%)
Bullish Trend 2 days ago
86%
Bearish Trend 2 days ago
64%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
90%
Bearish Trend 2 days ago
73%
Momentum
ODDS (%)
Bearish Trend 2 days ago
87%
Bullish Trend 2 days ago
55%
MACD
ODDS (%)
Bearish Trend 2 days ago
81%
Bullish Trend 2 days ago
56%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
89%
Bullish Trend 2 days ago
48%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
88%
Bullish Trend 2 days ago
51%
Advances
ODDS (%)
Bullish Trend 8 days ago
89%
N/A
Declines
ODDS (%)
Bearish Trend 14 days ago
90%
N/A
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
90%
Bearish Trend 2 days ago
73%
Aroon
ODDS (%)
Bearish Trend 2 days ago
88%
N/A
View a ticker or compare two or three
Interact to see
Advertisement
UPST
Daily Signal:
Gain/Loss:
ZNKKY
Daily Signal:
Gain/Loss:
Interesting Tickers
1D
1W
1M
1Q
6M
1Y
5Y
1 Day
MFs / NAMEPrice $Chg $Chg %
SDSCX31.100.18
+0.58%
BNY Mellon Sm/Md Cp Gr I
MOSYX9.72N/A
N/A
MassMutual Overseas Svc
QUAIX71.40N/A
N/A
AB Small Cap Growth I
GGSOX15.47N/A
N/A
Grandeur Peak Global Stalwarts Investor
JGRTX134.70-0.24
-0.18%
Janus Henderson Enterprise S

UPST and

Correlation & Price change

A.I.dvisor indicates that over the last year, UPST has been loosely correlated with SOFI. These tickers have moved in lockstep 64% of the time. This A.I.-generated data suggests there is some statistical probability that if UPST jumps, then SOFI could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UPST
1D Price
Change %
UPST100%
-1.69%
SOFI - UPST
64%
Loosely correlated
+1.83%
SYF - UPST
59%
Loosely correlated
+1.87%
OMF - UPST
57%
Loosely correlated
+1.97%
ALLY - UPST
57%
Loosely correlated
+1.99%
COF - UPST
56%
Loosely correlated
+1.18%
More

ZNKKY and

Correlation & Price change

A.I.dvisor tells us that ZNKKY and ASHTF have been poorly correlated (+30% of the time) for the last year. This A.I.-generated data suggests there is low statistical probability that ZNKKY and ASHTF's prices will move in lockstep.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To ZNKKY
1D Price
Change %
ZNKKY100%
N/A
ASHTF - ZNKKY
30%
Poorly correlated
-1.77%
WSC - ZNKKY
27%
Poorly correlated
-2.53%
ATLC - ZNKKY
26%
Poorly correlated
+1.96%
ASHTY - ZNKKY
26%
Poorly correlated
-0.55%
UPST - ZNKKY
25%
Poorly correlated
-1.69%
More