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

Operating Cash Flow

Last Annual Value

-147.72M

3-Year CAGR

39%

5-Year CAGR

-60%

10-Year CAGR

-31%

Adjust for Inflation

Upstart Holdings, Inc. Competitors Analysis of Operating Cash Flow

UPST · NASDAQ

Company	Operating Cash Flow	CAGR 3Y	CAGR 5Y	CAGR 10Y
Upstart Holdings, Inc. NASDAQ:UPST	-147.72M	N/A	N/A	N/A
Lemonade, Inc. NYSE:LMND	-16.50M	N/A	N/A	N/A
Lazard Ltd NYSE:LAZ	537.18M	48.3%	-9.1%	-1.1%
Radian Group Inc. NYSE:RDN	340.79M	-13.7%	-9.4%	-1.1%
BGC Group, Inc NASDAQ:BGC	333.87M	-6.3%	-4.4%	N/A
Nelnet, Inc. NYSE:NNI	422.99M	-0.8%	-2.5%	2.7%
Axos Financial, Inc. NYSE:AX	490.33M	35.6%	3.5%	11.4%
Moelis & Company NYSE:MC	576.30M	53.8%	-9.3%	9.6%
Navient Corporation SR NT 6% 121543 NASDAQ:JSM	441.00M	-13.3%	-8.9%	-10.6%
Credit Acceptance Corporation NASDAQ:CACC	1.05B	-4.3%	-0.3%	7.6%
StoneX Group Inc. NASDAQ:SNEX	4.39B	N/A	15.6%	N/A

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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