NASDAQ: UPSTUpstart Holdings Inc Stock
$33.11-0.38 (-1.13%)
Updated Apr 27, 2026
UPST Price
$33.11
Fair Value Price
N/A
Market Cap
$3.25B
52 Week Low
$23.97
52 Week High
$87.30
P/E
59.13x
P/B
4.06x
P/S
4.02x
PEG
0.57x
Dividend Yield
N/A
Revenue
$1.04B
Earnings
$53.60M
Gross Margin
100%
Operating Margin
5.2%
Profit Margin
5.1%
Debt to Equity
2.72
Operating Cash Flow
-$148M
Beta
2.87
Next Earnings
May 12, 2026
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 Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine UPST's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Credit Service
Industry Rating
C
UPST
Ranked#22 of 47
Ranked#22 of 47
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $8.89 | A | |
| $217.35 | A | |
| $18.10 | A |
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UPST News
Overview
Due Diligence Score
–
Industry Average (35)
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Due Diligence Checks
UPST ($33.11) is trading above its intrinsic value of $23.55, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
UPST is poor value based on its earnings relative to its share price (59.13x), compared to the US market average (35x)
P/E vs Market Valuation
UPST is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 30 more UPST due diligence checks available for Premium users.
Valuation
UPST fair value
Fair Value of UPST stock based on Discounted Cash Flow (DCF)
Price
$33.11
Fair Value
-$11.04
Undervalued by
399.84%
UPST ($33.11) is trading above... 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
59.13x
Industry
27.53x
Market
35x
UPST is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
UPST is poor value based... subscribe to Premium to read more.
P/E vs Market Valuation
UPST price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
4.06x
Industry
4.39x
UPST is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
UPST price to earnings growth (PEG)
For valuing profitable companies with growth potential
UPST is good value based... subscribe to Premium to read more.
PEG Value Valuation
UPST's financial health
Profit margin
Revenue
$296.1M
Net Income
$18.6M
Profit Margin
6.3%
UPST's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$3.0B
Liabilities
$2.2B
Debt to equity
2.72
UPST's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
UPST's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$108.6M
Investing
$131.7M
Financing
-$20.2M
UPST vs Credit Service Stocks
Upstart Holdings Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.