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

Cash and Short Term Investments

Last Annual Value

657.45M

3-Year CAGR

15%

5-Year CAGR

21%

10-Year CAGR

25%

Adjust for Inflation

Upstart Holdings, Inc. Competitors Analysis of Cash and Short Term Investments

UPST · NASDAQ

Company	Cash and Short Term Investments	CAGR 3Y	CAGR 5Y	CAGR 10Y
Upstart Holdings, Inc. NASDAQ:UPST	657.45M	20.3%	-8.0%	N/A
Lemonade, Inc. NYSE:LMND	1.11B	5.7%	0.7%	N/A
Lazard Ltd NYSE:LAZ	1.67B	11.9%	-9.9%	0.4%
Radian Group Inc. NYSE:RDN	5.90B	0.2%	-1.0%	5.0%
BGC Group, Inc NASDAQ:BGC	873.67M	10.0%	9.6%	4.3%
Nelnet, Inc. NYSE:NNI	973.55M	-4.2%	-1.6%	18.6%
Axos Financial, Inc. NYSE:AX	2.00B	-6.7%	17.2%	10.3%
Moelis & Company NYSE:MC	508.60M	39.7%	-0.5%	4.8%
Navient Corporation SR NT 6% 121543 NASDAQ:JSM	2.10B	35.9%	18.4%	5.3%
Credit Acceptance Corporation NASDAQ:CACC	510.30M	2.2%	85.4%	42.7%
StoneX Group Inc. NASDAQ:SNEX	1.61B	13.2%	7.7%	17.6%

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

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