UPST
Price
$36.85
Change
-$1.73 (-4.48%)
Updated
Feb 4, 03:25 PM (EDT)
Capitalization
3.75B
6 days until earnings call
Intraday BUY SELL Signals
ZNKKY
Price
$10.33
Change
-$1.17 (-10.17%)
Updated
Oct 2 closing price
Capitalization
2.64B
Intraday BUY SELL Signals
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UPST vs ZNKKY

Header iconUPST vs ZNKKY Comparison
Open Charts UPST vs ZNKKYBanner chart's image
Upstart Holdings
Price$36.85
Change-$1.73 (-4.48%)
Volume$2.52K
Capitalization3.75B
Zenkoku Hosho
Price$10.33
Change-$1.17 (-10.17%)
Volume$530
Capitalization2.64B
UPST vs ZNKKY Comparison Chart in %
UPST
Daily Signal:
Gain/Loss:
ZNKKY
Daily Signal:
Gain/Loss:
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VS
UPST vs. ZNKKY commentary
Feb 04, 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 UPST is a StrongBuy and ZNKKY is a Hold.

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COMPARISON
Comparison
Feb 04, 2026
Stock price -- (UPST: $38.58 vs. ZNKKY: $9.89)
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: 91% vs. ZNKKY: 44%
Market capitalization -- UPST: $3.75B vs. ZNKKY: $2.64B
UPST [@Savings Banks] is valued at $3.75B. ZNKKY’s [@Savings Banks] market capitalization is $2.64B. The market cap for tickers in the [@Savings Banks] industry ranges from $632.61B to $0. The average market capitalization across the [@Savings Banks] industry is $20.89B.

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 1 green FA rating(s).

  • UPST’s FA Score: 0 green, 5 red.
  • ZNKKY’s FA Score: 1 green, 4 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 5 TA indicator(s) are bullish while ZNKKY’s TA Score has 3 bullish TA indicator(s).

  • UPST’s TA Score: 5 bullish, 5 bearish.
  • ZNKKY’s TA Score: 3 bullish, 2 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 -14.65% price change this week, while ZNKKY (@Savings Banks) price change was -1.88% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -1.58%. For the same industry, the average monthly price growth was -5.47%, and the average quarterly price growth was +1.21%.

Reported Earning Dates

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

Industries' Descriptions

@Savings Banks (-1.58% 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($3.75B) has a higher market cap than ZNKKY($2.64B). UPST has higher P/E ratio than ZNKKY: UPST (148.38) vs ZNKKY (13.15). ZNKKY YTD gains are higher at: -0.302 vs. UPST (-11.777). UPST has less debt than ZNKKY: UPST (1.9B) vs ZNKKY (30B). ZNKKY has higher revenues than UPST: ZNKKY (58B) vs UPST (959M).
UPSTZNKKYUPST / ZNKKY
Capitalization3.75B2.64B142%
EBITDAN/A47.2B-
Gain YTD-11.777-0.3023,894%
P/E Ratio148.3813.151,129%
Revenue959M58B2%
Total CashN/A122B-
Total Debt1.9B30B6%
FUNDAMENTALS RATINGS
ZNKKY: Fundamental Ratings
ZNKKY
OUTLOOK RATING
1..100
97
VALUATION
overvalued / fair valued / undervalued
1..100
60
Fair valued
PROFIT vs RISK RATING
1..100
95
SMR RATING
1..100
8
PRICE GROWTH RATING
1..100
57
P/E GROWTH RATING
1..100
54
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
UPSTZNKKY
RSI
ODDS (%)
Bullish Trend 2 days ago
90%
Bullish Trend 7 days ago
54%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
85%
Bullish Trend 2 days ago
60%
Momentum
ODDS (%)
Bearish Trend 2 days ago
87%
Bearish Trend 2 days ago
57%
MACD
ODDS (%)
Bearish Trend 2 days ago
79%
Bullish Trend 2 days ago
54%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
89%
Bearish Trend 2 days ago
46%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
88%
Bearish Trend 2 days ago
51%
Advances
ODDS (%)
Bullish Trend 14 days ago
88%
N/A
Declines
ODDS (%)
Bearish Trend 6 days ago
90%
N/A
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
90%
N/A
Aroon
ODDS (%)
Bullish Trend 2 days ago
88%
N/A
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UPST
Daily Signal:
Gain/Loss:
ZNKKY
Daily Signal:
Gain/Loss:
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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%
-2.80%
SOFI - UPST
64%
Loosely correlated
-1.45%
LC - UPST
54%
Loosely correlated
-4.51%
SEZL - UPST
53%
Loosely correlated
-1.21%
OMF - UPST
52%
Loosely correlated
-1.94%
SYF - UPST
51%
Loosely correlated
+0.52%
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
-4.56%
WSC - ZNKKY
27%
Poorly correlated
-0.65%
ATLC - ZNKKY
26%
Poorly correlated
+0.21%
ASHTY - ZNKKY
26%
Poorly correlated
N/A
UPST - ZNKKY
25%
Poorly correlated
-2.80%
More