NASDAQ: UPSTUpstart Holdings Inc Stock
$45.20-0.72 (-1.57%)
Updated Jan 27, 2026
UPST Price
$45.20
Fair Value Price
-$28.66
Market Cap
$4.40B
52 Week Low
$31.40
52 Week High
$96.43
P/E
132.94x
P/B
5.91x
P/S
5.08x
PEG
1.05x
Dividend Yield
N/A
Revenue
$966.73M
Earnings
$32.21M
Gross Margin
100%
Operating Margin
3.36%
Profit Margin
3.3%
Debt to Equity
2.91
Operating Cash Flow
-$367M
Beta
2.83
Next Earnings
Feb 17, 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
B
UPST
Ranked#33 of 47
Ranked#33 of 47
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $9.85 | A | |
| $36.93 | A | |
| $69.45 | A |
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UPST News
Overview
Due Diligence Score
–
Industry Average (32)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how UPST scored across 33 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
UPST ($45.20) is overvalued by 257.73% relative to our estimate of its Fair Value price of -$28.66 based on Discounted Cash Flow (DCF) modelling
Below Fair Value Valuation
UPST ($45.20) is not significantly undervalued (257.73%) relative to our estimate of its Fair Value price of -$28.66 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
UPST ($45.20) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value 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
$45.20
Fair Value
-$28.66
Undervalued by
257.73%
UPST ($45.20) is overvalued by... subscribe to Premium to read more.
Below Fair Value Valuation
UPST ($45.20) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
UPST ($45.20) 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
132.94x
Industry
33.9x
Market
41.71x
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
5.91x
Industry
5.02x
UPST is poor 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 poor value relative... subscribe to Premium to read more.
PEG Value Valuation
UPST's financial health
Profit margin
Revenue
$277.1M
Net Income
$31.8M
Profit Margin
11.5%
UPST's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$2.9B
Liabilities
$2.2B
Debt to equity
2.91
UPST's debt relative to shareholder... 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
-$122.6M
Investing
-$120.5M
Financing
$378.6M
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.