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Upstart Holdings Inc (UPST)

Featured in High-Beta Stocks

Upstart Holdings, Inc. is a NASDAQ-listed common stock company operating through its subsidiaries in the consumer finance sector. The company runs a cloud-based artificial intelligence lending platform in the United States and organizes its activities across three segments: Personal Lending, Auto Lending, and Other. Its platform supports several credit products, including unsecured personal loans, small-dollar loans, auto refinance loans, auto retail loans, auto secured personal loans, and home equity lines of credit. Founded in 2012, Upstart is headquartered in San Mateo, California.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Technical Outlook FAQ

Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-UPST
$31.26
5.0% Upside
Fair
$41.07
37.9% Upside
Undervalued
Fair
—
—
—
0.0%
August 4, 2026
57.6x
3.9x
2.4x
2.758 B
4.195 B
41.8%
85.9%
1.9
—
-547.8%
Valuation • Fair Value

Upstart Holdings Inc (NASDAQ-UPST) Fair Value by Valuation Model

Compare the primary fair value estimate for Upstart Holdings Inc (NASDAQ-UPST) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$31.26

Estimated upside of 5.0% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

$19.91

Discounted cash flow valuation reference.

Ben Graham Formula Value

$5.73

Classic Ben Graham valuation formula reference.

DDM Fair Value

NM

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$40.71

Comparable-company valuation reference.

Analyst Price Target

$41.07

Analysts imply upside of 37.9%.

How to read these valuation models

Use this section to compare the primary fair value estimate for Upstart Holdings Inc (NASDAQ-UPST) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for Upstart Holdings Inc (NASDAQ-UPST)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

1.174 B

Current operating scale indicator.

Revenue Forecast

1.42 B

Forward revenue estimate.

EBITDA

98.916 M

Current operating profitability reference.

EBITDA Forecast

295.6 M

Forward operating profitability estimate.

How to read profitability and growth

This section helps investors review Upstart Holdings Inc (NASDAQ-UPST) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Upstart Holdings Inc (NASDAQ-UPST)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

4

Mid-range quality score.

Beneish M-Score

-1.75

Higher caution zone on this screen.

Altman Z-Score

1.9

Intermediate risk zone.

FCF / Net Income

-547.8%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Upstart Holdings Inc (NASDAQ-UPST). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Upstart Holdings Inc (NASDAQ-UPST)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

August 4, 2026

Days to Earnings

14

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

0.0%

Income yield reference.

Upcoming Dividend

Not available

Data is currently unavailable.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

Not available

Data is currently unavailable.

Payout Ratio

Not available

Data is currently unavailable.

How to read events and dividends

This section helps investors track time-sensitive items for Upstart Holdings Inc (NASDAQ-UPST), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Upstart Holdings Inc (NASDAQ-UPST) Stock Forecast & Technical Outlook

Review Upstart Holdings Inc (NASDAQ-UPST) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Buy

The 15-minute technical read for Upstart Holdings Inc (NASDAQ-UPST) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Buy

The 1-hour technical read for Upstart Holdings Inc (NASDAQ-UPST) is currently Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Sell

The daily technical read for Upstart Holdings Inc (NASDAQ-UPST) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Sell

The weekly technical read for Upstart Holdings Inc (NASDAQ-UPST) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Sell

The monthly technical read for Upstart Holdings Inc (NASDAQ-UPST) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Upstart Holdings Inc (NASDAQ-UPST)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Buy

Based on the available recommendation mix, Upstart Holdings Inc (NASDAQ-UPST) has a Buy consensus, with 6 buy, 6 hold and 0 sell recommendations in the current data set.

Buy 6
Hold 6
Sell 0
FAQ • Fast Investor Answers

Upstart Holdings Inc (NASDAQ-UPST) Stock FAQ

Quick answers about Upstart Holdings Inc (NASDAQ-UPST) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$31.26
Estimated upside 5.0%
Valuation Rating
Undervalued
Estimated upside of 5.0%
Analyst Target
$41.07
Implied upside 37.9%
Financial Health
Fair
Current financial-health read

The current fair value estimate for Upstart Holdings Inc (NASDAQ-UPST) is $31.26. This implies an estimated upside of 5.0% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 5.0% versus the current market price.

The available analyst price target for Upstart Holdings Inc (NASDAQ-UPST) is $41.07. The analyst target implies estimated upside of 37.9%.

The current financial health read for Upstart Holdings Inc (NASDAQ-UPST) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Upstart Holdings Inc (NASDAQ-UPST) is August 4, 2026.

Based on the current data, dividend yield is 0.0%.

The current P/E ratio listed for Upstart Holdings Inc (NASDAQ-UPST) is 57.6x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Upstart Holdings Inc is 2.758 B.

The current enterprise value listed for Upstart Holdings Inc is 4.195 B. Enterprise value can provide a broader valuation view than market capitalization alone because it also considers net debt.

The ticker symbol for Upstart Holdings Inc is NASDAQ-UPST, and the stock is listed on NASDAQ.

Upstart Holdings Inc (NASDAQ-UPST) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for Upstart Holdings Inc is 41.8%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Upstart Holdings Inc is 85.9%. Free float helps investors understand how much of the share base is available for public trading.

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