Stock Ratings / Technology / UPWK / dividends

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Upwork Inc. (UPWK) Dividend Safety Gauge & 10-Year DRIP Compounder

$9.12 +1.33% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $9.16

Upwork Inc. (UPWK) earns a Roarable Rating of B- (Buy) with 70/100 RQD Confidence. High-quality cash engine (78% profit margin, 30% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY • 68.1% hit rate) →

ROARABLE B- • BUY Cap $1.14B

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

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on UPWK Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is UPWK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Upwork Inc. (NASDAQ: UPWK) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $9.12 (+1.33% 1D, market cap $1.14B). Pillar breakdown: Fundamental Cash Engine 17/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 14/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 18/20. Across 714 tracked Technology issuers, UPWK ranks #99 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does UPWK compare to LZ and PSQL in the Technology sector?

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Within the Technology sector (EDP Services), UPWK carries a Roarable B- (70/100 RQD), trailing P/E of 9.9x, gross margin of 77.8%, and ROIC of 30.4%. By comparison, LZ (LegalZoom.com Inc.) holds a C- grade (59/100 RQD, P/E 73.7x, ROIC 34.7%, cap $1.14B) and PSQL (Pasqal Holding SA Ordinary Share) posts a D grade (47/100 RQD, P/E N/A, ROIC —, cap $1.11B). Among the 5-stock peer group, UPWK leads on earnings multiple (9.9x) while LZ leads on capital efficiency (34.7% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for UPWK?

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Per UPWK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001627475), Upwork Inc. generated $787.8M in revenue (+2.4% YoY), $115.4M in net income, and $242.5M in free cash flow against $1.30B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (78% profit margin)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $9.16 (+0.48%)🧬 Cannibal Buyback (-2.92% YoY Shares)⚙️ Cash Engine: 17/20 (A-) • 30.8% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY • 68.1% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B-

2-of-3 JEV AI Jury Bullish

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 B · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+5.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for UPWK)Realized 20D OHLCV Swing Band: ±7.3%

Deterministic 5-Pillar Attribution (70/100 Composite)

🔍 WHY UPWK SCORES 70/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+18/20 pts (26% of score)

SEC Form 4 / 13F Thermometer: 86% Net Buy • Cannibal Buyback (-2.92% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+17/20 pts (24% of score)

SEC XBRL FY 2025 (10-K): 30.8% FCF Margin ($242.5M FCF) & 77.8% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning9/20 pts (-11 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)

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

Q1 (-3Q)

Grade C+$8.61-1% Next Q

Q2 (-2Q)

Grade C+$8.52+11.6% Next Q

Q3 (-1Q)

Grade B-$9.51-4.1% Next Q

Current

Grade B-$9.12+6.6% Hist 90D α

Trajectory: C+ (62) → B- (70)Full Audit →

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

⚔️ Adversarial Opposing Case: Why the UPWK Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 70/100 (B-) score, UPWK faces multiple-compression risk if 9.9x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.92% YoY Shares) — any gross margin slip below 75.3% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($8.65) or 200D SMA ($10.56) invalidates the momentum regime and cuts Target Base ($9.61) toward Bear Floor ($7.48).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $UPWK• $4.8M Crowd Pool • Kalshi / Polymarket Composite

Contract: “UPWK Beats Next Quarterly Revenue & EPS Consensus + Hyperscaler AI CapEx Holds Record Pace”

YES 70%NO 30%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

1.8% Total Yield

0% Cash ($0.00/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

74/100 • REINVESTING IN GROWTH + BUYBACKS

FREE CASH FLOW PAYOUT RATIO

0% (100% Reinvested)

Retains cash flow for R&D and share repurchases

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (5.5% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $17,081

Est. Year-10 Shareholder Yield: $307/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.6K

Yr 1

$11.1K

Yr 2

$11.7K

Yr 3

$12.4K

Yr 4

$13.1K

Yr 5

$13.8K

Yr 6

$14.5K

Yr 7

$15.3K

Yr 8

$16.2K

Yr 9

$17.1K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in UPWK & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on UPWK and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

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

UPWK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -13.31%📐 HORIZONTAL RANGE

2026-11-02O $9.00H $9.12L $9.00C $9.12VOL 3.52M

RES: $9.58SUP: $7.74SMA50: $8.65SMA200: $10.56

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

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

🦋 UPWK Butterfly Map → + Track UPWK →

Share Count & Dilution Monitor (#25)

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

Reverse-DCF Expectations Hurdle (#30)

-1.4%/yr Implied 5Y Growth

vs. +2.4% 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 UPWK today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

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

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for UPWK 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 (UPWK)

Technology Rank #99 of 714 ⚔️ LZ vs UPWK Full Matrix →

1. Head-to-Head Technology Peer Comparison (UPWK vs. LZ, PSQL, CLVT, GDRX)

Industry: EDP Services (163 Tracked Issuers)

Across 714 tracked Technology securities in the Roarable RQD universe, Upwork Inc. (UPWK) ranks #99 by composite RQD confidence (70/100, grade B-) and #344 by equity capitalization ($1.14B). Within this direct 5-issuer industry benchmark cohort, UPWK leads on earnings valuation at 9.9x trailing P/E, while LZ leads on capital efficiency and profitability with 34.7% ROIC and 65.9% gross margin. UPWK currently leads its immediate peer cohort in composite quantitative strength at 70/100 (B-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
UPWK ACTIVE Upwork Inc.	B-	70/100	9.9x	77.8%	30.4%	+1.33%	$1.14B	Benchmark Subject
LZ LegalZoom.com Inc.	C-	59/100	73.7x	65.9%	34.7%	+0.45%	$1.14B	/lz-vs-upwk →
PSQL Pasqal Holding SA Ordinary Share	D	47/100	—	—	—	-5.07%	$1.11B	/psql-vs-upwk →
CLVT Clarivate Plc	E	29/100	—	66.0%	1.3%	-2.27%	$1.10B	/clvt-vs-upwk →
GDRX GoodRx Holdings Inc. (Class A)	C-	60/100	39.7x	—	8.3%	+2.02%	$1.21B	/gdrx-vs-upwk →

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

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001627475

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Upwork Inc. (UPWK) reported GAAP revenue of $787.8M (+2.4% vs. FY2024 revenue of $769.3M , and +14.3% cumulative change since FY2023) , GAAP net income of $115.4M, operating cash flow of $248.3M, and free cash flow of $242.5M (+61.6% YoY). On the balance sheet, UPWK closed FY2025 with $1.30B in total assets against $0 in total debt (Altman Z-Score: 2.27, Piotroski F-Score: 7/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$787.8M	$115.4M	$248.3M	$242.5M	$1.30B	$0
FY2024 (FY)	2024-12-31	$769.3M	$215.6M	$153.6M	$150.0M	$1.21B	$357.9M
FY2023 (FY)	2023-12-31	$689.1M	$46.9M	$52.7M	$52.7M	—	—

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

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

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

How does UPWK compare to LZ and PSQL in the Technology sector?

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

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

UPWK last traded at $9.12 (+1.33% on volume of 3,520,143 shares), positioning the stock +5.43% above its 50-day simple moving average ($8.65) and -13.64% below its 200-day simple moving average ($10.56). Across its 52-week range of $7.44 to $22.84, UPWK sits at the 10.9% percentile with a 14-day RSI of 57.5 (BULLISH MOMENTUM) and an implied next-earnings move of ±7.3% ($8.45 to $9.79).

UPWK Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does UPWK pay a dividend and is it safe?

Upwork Inc. (UPWK) offers a 0% cash dividend yield ($0.00 annualized) and 1.8% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

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