What grade does UPST get on the Buffett framework?

Upstart Holdings, Inc. (UPST) is graded on the Buffett-Fit framework using a composite 0-100 score that maps to letter grades A+ to D. The full breakdown is on this page once the verdict has been computed.

How accurate is the Buffett-Fit framework on UPST?

The Buffett-Fit framework is a documented pattern-match, not a forecast. The published 5-year backtest on invest-like.com/track-record shows that stocks scoring in the 7/7 consensus tier (the auto-selected best-of-7 tier) returned a median +73.8% above the S&P 500 over a rolling 5-year window (n=47, with 85% of the cohort posting positive 5y returns). UPST's individual outcome will depend on its own business trajectory, which the score cannot predict.

Should I buy UPST based on the Buffett-Fit score?

No verdict on invest-like.com is investment advice. The Buffett-Fit score grades how closely Upstart Holdings, Inc. matches Warren Buffett's documented framework - it does NOT account for your personal circumstances, risk tolerance, tax situation, or time horizon. Use the score as one input among many, and always consult a licensed financial adviser before making any investment decision.

UPST

Is Upstart Holdings, Inc. (UPST) a good Buffett stock?

Upstart Holdings, Inc. (UPST) is analysed against the documented Warren Buffett framework on this page. The Buffett-Fit score grades the stock A+ to D across five pillars (moat, earnings durability, management quality, financial health, valuation), each on a 0-100 sub-scale. The full reasoning behind every pillar is below. Educational only, not investment advice.

Five pillars at a glance. Upstart Holdings, Inc.'s Buffett-Fit score weighs ROIC sustainability (currently 0.0%), gross-margin durability (1.0%), net-debt-to-EBITDA (14.24x), free-cash-flow conversion (-3.10x net income), and the owner-earnings yield (-5.9%). Each pillar is scored 0-100 against sector-relative benchmarks.

Where UPST passes the test. A Buffett-style holding needs durable returns, conservative debt, owner-friendly management, and a price below intrinsic value. The full pillar breakdown on /buffett/upst/ shows where Upstart Holdings, Inc. clears each bar - and where it doesn't.

What the score does NOT say. A high Buffett-Fit grade is a pattern-match against documented criteria, not a forecast. A stock graded A+ today can underperform if its underlying business deteriorates faster than the score updates. A D-graded stock can outperform if it's a value trap that recovers. The score weighs current fundamentals against a documented framework - that's all it claims to do.

How invest-like measures this

The Buffett-Fit framework on invest-like grades any public stock A+ to D on a 0-100 scale across five weighted pillars: economic moat (durable competitive advantage), earnings durability (consistent profitability), management quality (capital allocation), financial health (conservative balance sheet), and valuation (margin of safety).

Each pillar is scored on the same 0-100 sub-scale using the rubric Warren Buffett has documented across 50+ years of Berkshire Hathaway shareholder letters. The overall grade is the weighted average. Educational only - pattern-match against documented public criteria, not personalised investment advice.

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Educational framework analysis only. Not investment advice, not a recommendation, not personalized to your situation. Always do your own research.

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Is Upstart Holdings, Inc. (UPST) a good Buffett stock?

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