LC
Price
$16.60
Change
-$0.09 (-0.54%)
Updated
Sep 5, 02:18 PM (EDT)
Capitalization
1.92B
47 days until earnings call
UPST
Price
$65.88
Change
+$0.01 (+0.02%)
Updated
Sep 5, 02:41 PM (EDT)
Capitalization
6.34B
67 days until earnings call
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LC vs UPST

Header iconLC vs UPST Comparison
Open Charts LC vs UPSTBanner chart's image
LendingClub
Price$16.60
Change-$0.09 (-0.54%)
Volume$900
Capitalization1.92B
Upstart Holdings
Price$65.88
Change+$0.01 (+0.02%)
Volume$1.13K
Capitalization6.34B
LC vs UPST Comparison Chart in %
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LC
Daily Signalchanged days ago
Gain/Loss if bought
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UPST
Daily Signalchanged days ago
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LC vs. UPST commentary
Sep 05, 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 LC is a Hold and UPST is a Hold.

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COMPARISON
Comparison
Sep 05, 2025
Stock price -- (LC: $16.69 vs. UPST: $65.87)
Brand notoriety: LC and UPST are both not notable
LC represents the Regional Banks, while UPST is part of the Savings Banks industry
Current volume relative to the 65-day Moving Average: LC: 41% vs. UPST: 69%
Market capitalization -- LC: $1.92B vs. UPST: $6.34B
LC [@Regional Banks] is valued at $1.92B. UPST’s [@Savings Banks] market capitalization is $6.34B. The market cap for tickers in the [@Regional Banks] industry ranges from $167.63B to $0. The market cap for tickers in the [@Savings Banks] industry ranges from $681.25B to $0. The average market capitalization across the [@Regional Banks] industry is $7.76B. The average market capitalization across the [@Savings Banks] industry is $22.54B.

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).

LC’s FA Score shows that 1 FA rating(s) are green whileUPST’s FA Score has 0 green FA rating(s).

  • LC’s FA Score: 1 green, 4 red.
  • UPST’s FA Score: 0 green, 5 red.
According to our system of comparison, LC 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.

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

  • LC’s TA Score: 3 bullish, 5 bearish.
  • UPST’s TA Score: 4 bullish, 6 bearish.
According to our system of comparison, both LC and UPST are a bad buy in the short-term.

Price Growth

LC (@Regional Banks) experienced а -3.25% price change this week, while UPST (@Savings Banks) price change was -10.70% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.40%. For the same industry, the average monthly price growth was +5.00%, and the average quarterly price growth was +13.13%.

The average weekly price growth across all stocks in the @Savings Banks industry was -0.56%. For the same industry, the average monthly price growth was +4.01%, and the average quarterly price growth was +29.01%.

Reported Earning Dates

LC is expected to report earnings on Oct 22, 2025.

UPST is expected to report earnings on Nov 11, 2025.

Industries' Descriptions

@Regional Banks (+0.40% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

@Savings Banks (-0.56% 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($6.34B) has a higher market cap than LC($1.92B). UPST YTD gains are higher at: 6.984 vs. LC (3.088). LC has less debt than UPST: LC (22.4M) vs UPST (1.47B). LC (885M) and UPST (844M) have equivalent revenues.
LCUPSTLC / UPST
Capitalization1.92B6.34B30%
EBITDAN/AN/A-
Gain YTD3.0886.98444%
P/E Ratio26.08N/A-
Revenue885M844M105%
Total Cash15.9MN/A-
Total Debt22.4M1.47B2%
FUNDAMENTALS RATINGS
LC: Fundamental Ratings
LC
OUTLOOK RATING
1..100
64
VALUATION
overvalued / fair valued / undervalued
1..100
100
Overvalued
PROFIT vs RISK RATING
1..100
78
SMR RATING
1..100
16
PRICE GROWTH RATING
1..100
39
P/E GROWTH RATING
1..100
66
SEASONALITY SCORE
1..100
50

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
LCUPST
RSI
ODDS (%)
Bearish Trend 2 days ago
62%
Bullish Trend 2 days ago
72%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
73%
Bearish Trend 2 days ago
90%
Momentum
ODDS (%)
Bullish Trend 2 days ago
79%
Bullish Trend 2 days ago
87%
MACD
ODDS (%)
Bearish Trend 2 days ago
79%
Bullish Trend 2 days ago
90%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
81%
Bearish Trend 2 days ago
88%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
84%
Bearish Trend 2 days ago
88%
Advances
ODDS (%)
Bullish Trend 9 days ago
81%
Bullish Trend 9 days ago
88%
Declines
ODDS (%)
Bearish Trend 3 days ago
82%
Bearish Trend 3 days ago
90%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
77%
Bearish Trend 2 days ago
84%
Aroon
ODDS (%)
Bullish Trend 2 days ago
90%
Bearish Trend 2 days ago
87%
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LC
Daily Signalchanged days ago
Gain/Loss if bought
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UPST
Daily Signalchanged days ago
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LC and

Correlation & Price change

A.I.dvisor indicates that over the last year, LC has been closely correlated with KEY. These tickers have moved in lockstep 67% of the time. This A.I.-generated data suggests there is a high statistical probability that if LC jumps, then KEY could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To LC
1D Price
Change %
LC100%
+2.02%
KEY - LC
67%
Closely correlated
+1.21%
UMBF - LC
67%
Closely correlated
+1.79%
CFG - LC
66%
Closely correlated
+1.63%
HBAN - LC
66%
Closely correlated
+1.53%
WAL - LC
66%
Loosely correlated
+2.02%
More

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%
+2.19%
SOFI - UPST
64%
Loosely correlated
+3.63%
SEZL - UPST
61%
Loosely correlated
-3.58%
SYF - UPST
51%
Loosely correlated
+1.81%
LC - UPST
51%
Loosely correlated
+2.02%
OMF - UPST
51%
Loosely correlated
+0.94%
More