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

Net Receivables

Last Annual Value

97.42M

3-Year CAGR

23%

5-Year CAGR

26%

10-Year CAGR

34%

Adjust for Inflation

Upstart Holdings, Inc. Competitors Analysis of Net Receivables

UPST · NASDAQ

Company	Net Receivables	CAGR 3Y	CAGR 5Y	CAGR 10Y
Upstart Holdings, Inc. NASDAQ:UPST	97.42M	20.7%	8.8%	N/A
Lemonade, Inc. NYSE:LMND	567.90M	14.0%	19.7%	N/A
Lazard Ltd NYSE:LAZ	897.79M	2.6%	1.0%	3.0%
Radian Group Inc. NYSE:RDN	351.17M	32.9%	12.8%	15.2%
BGC Group, Inc NASDAQ:BGC	909.12M	8.1%	-8.3%	-2.5%
Nelnet, Inc. NYSE:NNI	839.37M	49.8%	38.7%	6.4%
Axos Financial, Inc. NYSE:AX	374.27M	-5.5%	0.2%	30.5%
Moelis & Company NYSE:MC	110.93M	20.3%	9.8%	13.8%
Navient Corporation SR NT 6% 121543 NASDAQ:JSM	0.00	N/A	N/A	N/A
Credit Acceptance Corporation NASDAQ:CACC	67.20M	150.0%	-59.9%	-33.4%
StoneX Group Inc. NASDAQ:SNEX	14.27B	20.5%	96.0%	52.2%

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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