NASDAQ: UPSTUpstart Holdings Inc Stock
$31.79+1.49 (+4.92%)
Updated Jun 11, 2026
UPST Price
$31.79
Fair Value Price
N/A
Market Cap
$3.04B
52 Week Low
$23.97
52 Week High
$87.30
P/E
62.33x
P/B
4.15x
P/S
2.18x
PEG
0.56x
Dividend Yield
N/A
Revenue
$1.14B
Earnings
$49.40M
Gross Margin
100%
Operating Margin
4.41%
Profit Margin
4.3%
Debt to Equity
3.04
Operating Cash Flow
-$268M
Beta
2.89
Next Earnings
Aug 4, 2026
Ex-Dividend
N/A
Next Dividend
N/A
UPST Overview
Through its various subsidiaries, Upstart Holdings Inc. operates an advanced, cloud-hosted artificial intelligence (AI) lending platform across the United States. This platform is designed to gather consumer loan requests and efficiently connect them with its extensive network of banks that leverage Upstart's AI technology. Established in 2012, the company maintains its primary operational base 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
D
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
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UPST News
Overview
Due Diligence Score
–
Industry Average (34)
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 ($31.79) is trading above its intrinsic value of $21.68, 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 (62.33x), compared to the US market average (13.95x)
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 price to earnings (PE)
For valuing profitable companies with steady earnings
Company
62.33x
Industry
25.93x
Market
13.95x
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
4.15x
Industry
4.5x
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
$308.2M
Net Income
-$6.6M
Profit Margin
-2.2%
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
3.04
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
-$133.3M
Investing
$876.0k
Financing
$6.7M
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.