NASDAQ: UPSTUpstart Holdings Inc Stock
$48.58-3.79 (-7.24%)
Updated Oct 10, 2025
UPST Price
$48.58
Fair Value Price
-$26.69
Market Cap
$4.67B
52 Week Low
$31.40
52 Week High
$96.43
P/E
-809.67x
P/B
6.47x
P/S
7.25x
PEG
N/A
Dividend Yield
N/A
Revenue
$851.77M
Earnings
-$6.35M
Gross Margin
100%
Operating Margin
-0.72%
Profit Margin
-0.7%
Debt to Equity
2.43
Operating Cash Flow
-$65M
Beta
2.79
Next Earnings
Nov 6, 2025
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
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.
Industry: Credit Service
Industry Rating
A
UPST
Ranked#31 of 51
Ranked#31 of 51
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $9.63 | A | |
| $37.81 | A | |
| $54.76 | A |
Be the first to know about important UPST news, forecast changes, insider trades & much more!
UPST News
Overview
Due Diligence Score
–
Industry Average (31)
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 ($48.58) is overvalued by 281.98% relative to our estimate of its Fair Value price of -$26.69 based on Discounted Cash Flow (DCF) modelling
Below Fair Value Valuation
UPST ($48.58) is not significantly undervalued (281.98%) relative to our estimate of its Fair Value price of -$26.69 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
UPST is unprofitable, so we... 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
$48.58
Fair Value
-$26.69
Undervalued by
281.98%
UPST ($48.58) is overvalued by... subscribe to Premium to read more.
Below Fair Value Valuation
UPST ($48.58) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
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
-809.67x
Industry
33.95x
Market
35.9x
UPST price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
6.47x
Industry
5.08x
UPST is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation
UPST's financial health
Profit margin
Revenue
$257.3M
Net Income
$5.6M
Profit Margin
2.2%
UPST's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$2.5B
Liabilities
$1.8B
Debt to equity
2.43
UPST's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
-$120.2M
Investing
-$109.8M
Financing
$91.9M
UPST vs Credit Service Stocks
Upstart Holdings Stock FAQ
Company
AboutNewsBlogStock Investing FAQPlansPrivacy PolicyTerms of ServiceCancellation & RefundsPerformanceHelp GuidesContactTwitterYouTubeNewsletterWallStreetZen does not provide financial advice and does not issue recommendations or offers to buy stock or sell any security.
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.
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.