UPST

Upstart Holdings, Inc.

Fundamental data last updated:September 25, 2026

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company profile

SECTOR

Financial Services

industry

Financial - Credit Services

Exchange

NASDAQ

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

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.

 


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VALUATION

P/E

64.12

Market Cap ($M USD)

$3.13B

Forward P/E

4.78

PEG

0.00

PRICE TO SALES

2.69

PRICE TO BOOK

4.32

EV / EBITDA

56.80

5-Year Average P/E

Free Cash Flow Yield

-9.17%

DCF Value

$-29.57

Graham Number

$9.32

Price to FCF

-10.91

EV to FCF

-14.56

Earnings Yield

1.56%

FCF Yield

-9.17%

DIVIDEND

Yield

0.00%

Annual Payout

$0.00

Payout Ratio

0.00%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$0.51

Next Year EPS Growth Estimate

$6.84

Next Year Revenue Growth Estimate

$3.47B

Return on Equity (ROE)

6.59%

FREE CASH FLOW

Operating Margin

4.23%

Debt-to-Equity

2.32

Piotroski F-Score

5

Altman Z-Score

1.36

Return on Invested Capital (ROIC)

1.80%

Current Ratio

4.03

Quick Ratio

4.03

Net Debt to EBITDA

14.24

Interest Coverage

1.44

Gross Profit margin

95.67%

FCF PER SHARE

$-2.96

REVENUE PER SHARE

$12.01

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Gainseekers Quantitative Analysis

Summary

The market seems to be playing a risky game with Upstart Holdings, Inc. The stock has traded below its DCF Value, suggesting potential undervaluation, yet its Graham Number indicates a more cautious stance. With a Forward P/E of 4.53, the market expects explosive growth, but the Altman Z-score of 1.31 raises red flags about financial distress. The Earnings Yield of 1.76% is not compelling, hinting at a disconnect between expected growth and actual profitability. This is a stock that demands careful scrutiny.

AI Exposure / Tech Reliance

Operating in the Financial - Credit Services industry, Upstart is well-positioned to leverage AI for credit risk assessment and lending efficiency. Its tech-driven approach could redefine traditional credit models, offering a competitive edge. However, the rapid pace of technological change requires constant innovation to maintain this advantage.

The Bull Case

For the discerning GARP investor, Upstart offers intriguing potential. Despite a modest ROIC of 1.80%, its Piotroski F-Score of 5 indicates moderate financial health. The company's operating margin of 4.23% suggests some pricing power, albeit limited. While the FCF Yield is negative, the high sales growth forecast could signal future cash flow improvements, making it a speculative yet potentially rewarding play.

The Bear Case

Upstart's structural weaknesses are glaring. The Price/Book ratio of 3.83 and Price/Sales of 2.38 suggest a premium valuation not justified by its current financial performance. The negative FCF Yield and EV to FCF ratio underscore severe cash flow issues. Additionally, with a Net Debt to EBITDA of 14.24, the company is heavily leveraged, posing significant risk in a volatile market environment.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$38.29

Institutional Ownership %

1-Year Beta

2.26

Insider Buying % (6 Mo)

Distance to 52-Week High

167.05%

Distance to 52-Week Low

26.69%

EARNINGS SURPRISE %

-23.08%

50-DAY SMA

$29.26

200-DAY SMA

$42.84

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.