Stock Ratings / Consumer Discretionary / TDUP

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ThredUp Inc. (Class A) (TDUP) — RQD Stock Rating Cockpit

$2.22 +0.91% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $2.22

ThredUp Inc. (Class A) (TDUP) carries a Roarable Rating of D (Sell) with 44/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record Warning: Scores below 50 (44/100 · D) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D • SELL / AVOID Cap $291.6M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $2.22 (-0.03%)🧬 Disciplined Float (+0.72% YoY Shares)⚙️ Cash Engine: 4/20 (E) • 2.6% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (44/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-6.5% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D

2-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D- · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-6.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for TDUP)Realized 20D OHLCV Swing Band: ±12.5%

Deterministic 5-Pillar Attribution (44/100 Composite)

🔍 WHY TDUP SCORES 44/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+15/20 pts (34% of score)

FRED Regime × Technicals: 4% of 52W Range • RSI-14 at 41.6 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Whale & Options Positioning+12/20 pts (27% of score)

20D Institutional Volume Accumulation (±12.5% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality4/20 pts (-16 pt drag)

Capital intensity & 0% operating margin leave 16 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$2.48-11.3% Next Q

Q2 (-2Q)

Grade D$2.20-9.1% Next Q

Q3 (-1Q)

Grade D$2.00+11% Next Q

Current

Grade D$2.22-6.5% Hist 90D α

Trajectory: C- (52) → D (44)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a TDUP Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While TDUP currently carries a cautious 44/100 (D) rating due to Cash Engine Quality (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Consumer Discretionary with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($2.40) and Max Pain ($2.33) forces dealer call-delta covering toward $9.25.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (+0.72% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $TDUP• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “TDUP Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 44%NO 56%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

41.630 Oversold · 70 Hot

ALTMAN-Z SHIELDDISTRESS RISK (<1.8)

0.20>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

4 / 99-Pt Accounting

52-WEEK LASER RANGE4% OF RANGE

L: $2$2.22H: $9

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: ERQD 4 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: D-RQD 17 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: D+RQD 23 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bearish Warning on TDUP

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (20)

-35.0% ROIC with 79.4% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BEARISH (40)

Altman-Z 0.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (53)

17/40 institutional & smart-money positioning score with 15/20 macro alignment.

Bull Case: Why Buyers Like TDUP

✓Established market leader in Consumer Discretionary with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.
!Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring TDUP)

✓Walkthrough of TDUP's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

TDUP // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -48.25%📐 HORIZONTAL RANGE

2026-10-30O $2.20H $2.22L $2.05C $2.22VOL 1.61M

RES: $7.77SUP: $1.69SMA50: $2.40SMA200: $4.15

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

TDUP Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 TDUP Butterfly Map → + Track TDUP →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +19.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on TDUP today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for TDUP. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for TDUP today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (TDUP)

Consumer Discretionary Rank #765 of 1011 ⚔️ SFIX vs TDUP Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (TDUP vs. SFIX, QVCG, BZUN, DDL)

Industry: Catalog/Specialty Distribution (29 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, ThredUp Inc. (Class A) (TDUP) ranks #765 by composite RQD confidence (44/100, grade D) and #652 by equity capitalization ($291.6M). Within this direct 5-issuer industry benchmark cohort, DDL leads on earnings valuation at 13.8x trailing P/E, while DDL leads on capital efficiency and profitability with 65.3% ROIC and — gross margin. DDL currently holds the highest overall quantitative score in the immediate peer group at 66/100 (C+) compared with TDUP at 44/100 (D).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
TDUP ACTIVE ThredUp Inc. (Class A)	D	44/100	—	79.4%	-35.0%	+0.91%	$291.6M	Benchmark Subject
SFIX Stitch Fix Inc. (Class A)	E	28/100	—	44.4%	-33.9%	+2.99%	$368.7M	/sfix-vs-tdup →
QVCG QVC Group Inc.	D-	36/100	—	33.6%	-35.0%	-2.19%	$379.0M	/qvcg-vs-tdup →
BZUN Baozun Inc.	D+	53/100	—	74.1%	1.6%	+2.13%	$195.3M	/bzun-vs-tdup →
DDL Dingdong (Cayman) Limited (each two representing three )	C+	66/100	13.8x	—	65.3%	-0.51%	$455.9M	/ddl-vs-tdup →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001484778

In its most recent audited fiscal period (FY2025, filed 2025-12-31), ThredUp Inc. (Class A) (TDUP) reported GAAP revenue of $310.8M (+19.5% vs. FY2024 revenue of $260.0M , and +20.2% cumulative change since FY2023) , GAAP net income of -$20.2M, operating cash flow of $0, and free cash flow of $0 . On the balance sheet, TDUP closed FY2025 with $167.2M in total assets against $14.3M in total debt (Altman Z-Score: 0.20, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$310.8M	-$20.2M	—	—	$167.2M	$14.3M
FY2024 (FY)	2024-12-31	$260.0M	-$77.0M	—	—	$171.2M	$18.2M
FY2023 (FY)	2023-12-31	$258.5M	-$71.2M	-$22.6M	-$22.6M	—	—

3. TDUP Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is TDUP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, ThredUp Inc. (Class A) (NASDAQ: TDUP) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 44/100 at a spot price of $2.22 (+0.91% 1D, market cap $291.6M). Pillar breakdown: Fundamental Cash Engine 4/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 8/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 5/20. Across 1011 tracked Consumer Discretionary issuers, TDUP ranks #765 in composite RQD confidence.

How does TDUP compare to SFIX and QVCG in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Catalog/Specialty Distribution), TDUP carries a Roarable D (44/100 RQD), trailing P/E of N/A, gross margin of 79.4%, and ROIC of -35.0%. By comparison, SFIX (Stitch Fix Inc. (Class A)) holds a E grade (28/100 RQD, P/E N/A, ROIC -33.9%, cap $368.7M) and QVCG (QVC Group Inc.) posts a D- grade (36/100 RQD, P/E N/A, ROIC -35.0%, cap $379.0M). Among the 5-stock peer group, DDL leads on earnings multiple (13.8x) while DDL leads on capital efficiency (65.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for TDUP?

Per TDUP's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001484778), ThredUp Inc. (Class A) generated $310.8M in revenue (+19.5% YoY), -$20.2M in net income, and $0 in free cash flow against $167.2M in total assets and $14.3M in total debt. Key quantitative strengths: Established market leader in Consumer Discretionary with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is TDUP trading relative to its 50-day, 200-day, and 52-week technical levels?

TDUP last traded at $2.22 (+0.91% on volume of 1,632,706 shares), positioning the stock -7.50% below its 50-day simple moving average ($2.40) and -46.51% below its 200-day simple moving average ($4.15). Across its 52-week range of $1.91 to $8.81, TDUP sits at the 4.5% percentile with a 14-day RSI of 41.6 (NEUTRAL RANGE) and an implied next-earnings move of ±12.5% ($1.94 to $2.50).

TDUP Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell TDUP stock right now?

ThredUp Inc. (Class A) (TDUP) currently earns a Roarable Rating of D (Sell — SELL) with 44/100 RQD Confidence. Stretched risk/reward at current multiples (-35% return on capital) under elevated 10-year interest-rate pressure.

What is TDUP's 12-month price target and RQD AI Jury consensus?

TDUP's 12-month base price target is $2.08 (range $1.62 to $9.25), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: TDUP RQD Cockpit TDUP 12M Forecast TDUP Earnings & Move TDUP Dividends & DRIP TDUP Insiders & 13F TDUP Whale Options TDUP Profit Sankey TDUP News & Why