UPST - NASDAQ

Upstart Holdings, Inc.

UPST·NASDAQ

$30.29

-9.9%

Financial ServicesFinancial - Credit Services

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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$2.90B

EPS0.5600

P/E Ratio54.09

Earnings Date08/04/2026

upst

Additional Paid-In Capital

Last Annual Value

1.16B

3-Year CAGR

17%

5-Year CAGR

26%

10-Year CAGR

64%

Adjust for Inflation

Upstart Holdings, Inc. Competitors Analysis of Additional Paid-In Capital

UPST · NASDAQ

Company	Additional Paid-In Capital	CAGR 3Y	CAGR 5Y	CAGR 10Y
Upstart Holdings, Inc. NASDAQ:UPST	1.16B	8.0%	9.3%	N/A
Lemonade, Inc. NYSE:LMND	1.99B	3.2%	5.1%	N/A
Lazard Ltd NYSE:LAZ	340.35M	11.2%	18.7%	-6.8%
Radian Group Inc. NYSE:RDN	861.21M	-15.6%	-14.4%	-11.1%
BGC Group, Inc NASDAQ:BGC	2.53B	6.4%	0.7%	4.3%
Nelnet, Inc. NYSE:NNI	1.48M	-21.8%	8.2%	13.4%
Axos Financial, Inc. NYSE:AX	548.89M	4.6%	4.9%	5.2%
Moelis & Company NYSE:MC	1.91B	6.7%	8.4%	20.7%
Navient Corporation SR NT 6% 121543 NASDAQ:JSM	0.00	N/A	N/A	N/A
Credit Acceptance Corporation NASDAQ:CACC	403.30M	13.1%	15.4%	11.8%
StoneX Group Inc. NASDAQ:SNEX	730.90M	25.3%	18.3%	11.4%

Upstart Holdings, Inc. Fair Value Envelope

UPST · NASDAQ

Our analysis suggests that UPST has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $30.29, this represents a potential HIDDEN relative to our calculated worth for Upstart Holdings, Inc..

HIDDEN

Intrinsic Value

Current Price: $30.29

Related Guides

Blog Categories

Continue your UPST research with focused valuation guides.

Fundamentals

Decode statement quality and operating durability.

Accounting

Interpret line items with cleaner analytical framing.

Forecasting

Translate historical performance into forward scenarios.

Reference

Use practical frameworks for statement-led valuation.

Research Paths

Pick your next lens

Snapshot

Start with context, operating signals, and key market metrics.

Value Model

Stress test fair value across bear, base, and bull assumptions.

Statements

Validate revenue quality, margins, and balance sheet durability.

Earnings Call

Read management commentary and compare it with reported outcomes.

Dividends

Check payout sustainability and long-term distribution behavior.

Analyst Expectations

Review consensus spread and where estimate risk is concentrated.