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

Long Term Debt

Last Annual Value

1.73B

3-Year CAGR

39%

5-Year CAGR

139%

10-Year CAGR

14%

Adjust for Inflation

Upstart Holdings, Inc. Competitors Analysis of Long Term Debt

UPST · NASDAQ

Company	Long Term Debt	CAGR 3Y	CAGR 5Y	CAGR 10Y
Upstart Holdings, Inc. NASDAQ:UPST	1.73B	38.4%	21.7%	N/A
Lemonade, Inc. NYSE:LMND	158.10M	119.7%	N/A	N/A
Lazard Ltd NYSE:LAZ	2.09B	7.4%	4.4%	5.8%
Radian Group Inc. NYSE:RDN	1.11B	32.2%	-5.0%	0.4%
BGC Group, Inc NASDAQ:BGC	1.78B	23.4%	11.0%	0.7%
Nelnet, Inc. NYSE:NNI	7.79B	-8.6%	-14.5%	-10.9%
Axos Financial, Inc. NYSE:AX	372.67M	-6.2%	-8.3%	-7.2%
Moelis & Company NYSE:MC	0.00	N/A	N/A	N/A
Navient Corporation SR NT 6% 121543 NASDAQ:JSM	0.00	N/A	N/A	N/A
Credit Acceptance Corporation NASDAQ:CACC	4.17B	-5.8%	-2.0%	4.8%
StoneX Group Inc. NASDAQ:SNEX	17.52B	43.1%	20.1%	57.8%

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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