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NASDAQ: UPST
Upstart Holdings Inc Stock

$25.41-0.20 (-0.78%)
Updated May 17, 2024
UPST Price
$25.41
Fair Value Price
N/A
Market Cap
$2.23B
52 Week Low
$19.84
52 Week High
$72.58
P/E
-12.4x
P/B
3.64x
P/S
4.35x
PEG
N/A
Dividend Yield
N/A
Revenue
$538.43M
Earnings
-$175.48M
Gross Margin
100%
Operating Margin
-32.57%
Profit Margin
-32.6%
Debt to Equity
2.15
Operating Cash Flow
-$32M
Beta
2.9
Next Earnings
N/A
Ex-Dividend
N/A
Next Dividend
N/A

UPST Overview

Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform aggregates consumer demand for loans and connects it to its network of the company's AI-enabled bank partners. The company was founded in 2012 and is headquartered in San Mateo, California.

Zen Score

Industry Average (32)
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Due Diligence Checks

UPST is unprofitable, so we are unable to calculate its intrinsic value according to an updated version of Benjamin Graham's Formula from "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
UPST is good value based on its book value relative to its share price (3.64x), compared to the US Credit Services industry average (4.99x)
P/B vs Industry Valuation
UPST is unprofitable, so we... subscribe to Premium to read more.
PEG Value Valuation
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UPST News

Valuation

UPST fair value

Fair Value of UPST stock based on Discounted Cash Flow (DCF)
Price
$25.41
Fair Value
-$12.12
Undervalued by
309.71%
UPST is unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

UPST price to earnings (PE)

For valuing profitable companies with steady earnings
Company
-12.4x
Industry
27.44x
Market
30.97x

UPST price to book (PB)

For valuing companies that are loss-making or have lots of physical asset
Company
3.64x
Industry
4.99x
UPST is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

UPST's financial health

Profit margin

Revenue
$127.8M
Net Income
-$64.6M
Profit Margin
-50.5%
UPST's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$1.9B
Liabilities
$1.3B
Debt to equity
2.15
UPST's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$52.6M
Investing
-$37.5M
Financing
-$43.7M

UPST vs Credit Service Stocks

TickerMarket Cap1d %P/EP/B
UPST$2.23B-0.78%-12.40x3.64x
BFH$2.06B+2.47%5.19x0.68x
AGM$1.98B+0.24%10.97x1.34x
LU$2.71B+3.74%22.16x0.21x
NAVI$1.72B-0.77%9.35x0.62x

Upstart Holdings Stock FAQ

What is Upstart Holdings's quote symbol?

(NASDAQ: UPST) Upstart Holdings trades on the NASDAQ under the ticker symbol UPST. Upstart Holdings stock quotes can also be displayed as NASDAQ: UPST.

If you're new to stock investing, here's how to buy Upstart Holdings stock.

What is the 52 week high and low for Upstart Holdings (NASDAQ: UPST)?

(NASDAQ: UPST) Upstart Holdings's 52-week high was $72.58, and its 52-week low was $19.84. It is currently -64.99% from its 52-week high and 28.07% from its 52-week low.

How much is Upstart Holdings stock worth today?

(NASDAQ: UPST) Upstart Holdings currently has 87,878,025 outstanding shares. With Upstart Holdings stock trading at $25.41 per share, the total value of Upstart Holdings stock (market capitalization) is $2.23B.

Upstart Holdings stock was originally listed at a price of $29.47 in Dec 16, 2020. If you had invested in Upstart Holdings stock at $29.47, your return over the last 3 years would have been -13.78%, for an annualized return of -4.82% (not including any dividends or dividend reinvestments).

How much is Upstart Holdings's stock price per share?

(NASDAQ: UPST) Upstart Holdings stock price per share is $25.41 today (as of May 17, 2024).

What is Upstart Holdings's Market Cap?

(NASDAQ: UPST) Upstart Holdings's market cap is $2.23B, as of May 19, 2024.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Upstart Holdings's market cap is calculated by multiplying UPST's current stock price of $25.41 by UPST's total outstanding shares of 87,878,025.
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