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Upstart Holdings, Inc. UPST
Financial Services - Financial - Credit Services - NASDAQ - US
Watchlist
$ 37.78
8.56 %
$ 3.54 B
Market Cap
-26.24
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one UPST stock under the worst case scenario is HIDDEN Compared to the current market price of 37.8 USD, Upstart Holdings, Inc. is HIDDEN

UPST Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one UPST stock under the base case scenario is HIDDEN Compared to the current market price of 37.8 USD, Upstart Holdings, Inc. is HIDDEN

UPST Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one UPST stock under the best case scenario is HIDDEN Compared to the current market price of 37.8 USD, Upstart Holdings, Inc. is HIDDEN

UPST Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart UPST

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1M -38%
6M -38%
1Y 73%
3Y -98%
5Y --%
All
$90.0$90.0$80.0$80.0$70.0$70.0$60.0$60.0$50.0$50.0$40.0$40.0$30.0$30.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
629 M REVENUE
23.76%
Growth Rates
1Year 23.76%
3Years -9.44%
5Years 31.03%
7Years 41.40%
10Years 0.00%
-173 M OPERATING INCOME
32.62%
Growth Rates
1Year 32.62%
3Years -30.59%
5Years -106.76%
7Years -56.45%
10Years 0.00%
-129 M NET INCOME
46.45%
Growth Rates
1Year 46.45%
3Years -24.92%
5Years -91.29%
7Years -46.54%
10Years 0.00%
186 M OPERATING CASH FLOW
216.10%
Growth Rates
1Year 216.10%
3Years 3.44%
5Years 42.62%
7Years 51.11%
10Years 0.00%
-238 M INVESTING CASH FLOW
-100.69%
Growth Rates
1Year -100.69%
3Years -18.22%
5Years -44.19%
7Years 6.94%
10Years 0.00%
560 M FINANCING CASH FLOW
161.29%
Growth Rates
1Year 161.29%
3Years -13.18%
5Years 46.28%
7Years 4.45%
10Years 0.00%
211 M REVENUE
30.30%
Growth Rates
1Year 23.76%
3Years -9.44%
5Years 31.03%
7Years 41.40%
10Years 0.00%
-4.75 M OPERATING INCOME
89.48%
Growth Rates
1Year 32.62%
3Years -30.59%
5Years -106.76%
7Years -56.45%
10Years 0.00%
-2.76 M NET INCOME
59.23%
Growth Rates
1Year 46.45%
3Years -24.92%
5Years -91.29%
7Years -46.54%
10Years 0.00%
-111 M OPERATING CASH FLOW
-61.85%
Growth Rates
1Year 216.10%
3Years 3.44%
5Years 42.62%
7Years 51.11%
10Years 0.00%
-77.9 M INVESTING CASH FLOW
-68.74%
Growth Rates
1Year -100.69%
3Years -18.22%
5Years -44.19%
7Years 6.94%
10Years 0.00%
509 M FINANCING CASH FLOW
1439.60%
Growth Rates
1Year 161.29%
3Years -13.18%
5Years 46.28%
7Years 4.45%
10Years 0.00%
Balance Sheet Upstart Holdings, Inc.
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Current Assets 976 M
Cash & Short-Term Investments 830 M
Receivables 127 M
Other Current Assets 20 M
Non-Current Assets 200 M
Long-Term Investments 41.2 M
PP&E 82.5 M
Other Non-Current Assets 76.1 M
70.55 %10.76 %3.51 %7.01 %6.47 %Total Assets$1.2b
Current Liabilities 355 M
Accounts Payable 12.4 M
Short-Term Debt 196 M
Other Current Liabilities 147 M
Non-Current Liabilities 1.6 B
Long-Term Debt 1.21 B
Other Non-Current Liabilities 391 M
10.01 %7.55 %61.77 %20.03 %Total Liabilities$2.0b
EFFICIENCY
Earnings Waterfall Upstart Holdings, Inc.
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Revenue 629 M
Cost Of Revenue 0
Gross Profit 629 M
Operating Expenses 757 M
Operating Income -173 M
Other Expenses -44.3 M
Net Income -129 M
700m700m600m600m500m500m400m400m300m300m200m200m100m100m00(100m)(100m)(200m)(200m)629m0629m(757m)(173m)44m(129m)RevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 100.00%
5Years 100.00%
7Years 100.00%
10Years 0.00%
-27.49% OPERATING MARGIN
-27.49%
Averages
1Year -27.49%
3Years -30.52%
5Years -13.93%
7Years -11.54%
10Years 0.00%
-20.45% NET MARGIN
-20.45%
Averages
1Year -20.45%
3Years -26.89%
5Years -12.40%
7Years -10.74%
10Years 0.00%
-20.31% ROE
-20.31%
Averages
1Year -20.31%
3Years -24.75%
5Years -11.10%
7Years -9.92%
10Years 0.00%
-5.43% ROA
-5.43%
Averages
1Year -5.43%
3Years -7.65%
5Years -2.85%
7Years -2.33%
10Years 0.00%
-17.03% ROIC
-17.03%
Averages
1Year -17.03%
3Years -12.26%
5Years -5.18%
7Years -4.03%
10Years 0.00%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Upstart Holdings, Inc.
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200m200m100m100m00(100m)(100m)(200m)(200m)(300m)(300m)(400m)(400m)(500m)(500m)(600m)(600m)(700m)(700m)2018201820192019202020202021202120222022202320232024202420252025
Net Income -129 M
Depreciation & Amortization 20.5 M
Capital Expenditures -837 K
Stock-Based Compensation 133 M
Change in Working Capital 34.6 M
Others 161 M
Free Cash Flow 185 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Upstart Holdings, Inc.
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Wall Street analysts predict an average 1-year price target for UPST of $40.6 , with forecasts ranging from a low of $17 to a high of $85 .
UPST Lowest Price Target Wall Street Target
17 USD -55.00%
UPST Average Price Target Wall Street Target
40.6 USD 7.53%
UPST Highest Price Target Wall Street Target
85 USD 124.99%
Price
Max Price Target
Min Price Target
Average Price Target
909080807070606050504040303020201010May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 7
6. Ownership
Insider Ownership Upstart Holdings, Inc.
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Sold
0-3 MONTHS
7.81 M USD 6
3-6 MONTHS
40.3 M USD 7
6-9 MONTHS
18.7 M USD 5
9-12 MONTHS
4.81 M USD 5
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Upstart to Announce First Quarter 2025 Results on May 6, 2025 SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart to Announce First Quarter 2025 Results on May 6, 2025. businesswire.com - 1 week ago
Upstart Holdings, Inc. (UPST) Stock Slides as Market Rises: Facts to Know Before You Trade Upstart Holdings, Inc. (UPST) closed the most recent trading day at $46, moving -0.07% from the previous trading session. zacks.com - 2 weeks ago
NewtekOne: 6.4% Dividend Yield From Banking Upstart Is Elevated NewtekOne has dipped 7% year-to-date, trading at one of its lowest sales multiples since converting from a BDC to a bank. NEWT's deposits surged 39.5% sequentially, with total assets up 50% year-over-year. The company reported fiscal 2024 fourth quarter revenue growth of 31% year-over-year and upped 2025 EPS guidance. seekingalpha.com - 3 weeks ago
Upstart: Looking For The Buy Zone Upstart Holdings faces economic weakness fears, though loan origination and conversion rates have improved. The AI lending platform aims for $1 billion in 2025 revenue, further expanding into auto lending and HELOC markets. The key UMI index already suggests a tough lending environment, with ultimate upside on an improving market in the next 1 to 2 years. seekingalpha.com - 3 weeks ago
Upstart: One Meme Stock Worth Buying Amidst The Chaos (Rating Upgrade) Upstart has shown strong execution, with improved underwriting algorithms boosting top-line growth. The company has seen revenue growth accelerate and management expects further acceleration into 2025. This acceleration in growth is expected to coincide with a return to GAAP profitability. seekingalpha.com - 3 weeks ago
Upstart Consumer Brands Are Challenging Food Giants Around two decades ago, a Dutch television journalist named Teun van de Keuken ate 12 chocolate bars and demanded to be put in jail. His crime, he said, was financing slavery and child labor. marketwatch.com - 3 weeks ago
Here is What to Know Beyond Why Upstart Holdings, Inc. (UPST) is a Trending Stock Zacks.com users have recently been watching Upstart (UPST) quite a bit. Thus, it is worth knowing the facts that could determine the stock's prospects. zacks.com - 3 weeks ago
Upstart Stock Dips 10% YTD: Is It a Golden Buying Opportunity? UPST's recent stock decline, driven by broader market volatility rather than company-specific weaknesses, presents a golden buying opportunity. zacks.com - 3 weeks ago
Nasdaq Correction: 2 AI Stocks Down 33% and 86% to Buy Before They Soar, According to Wall Street The Nasdaq Composite (^IXIC 2.27%) has spent much of March more than 10% off its all-time high, which put the index in correction territory. But Wall Street analysts see that drawdown an opportunity to buy shares of Arm Holdings (ARM 4.93%) and Upstart Holdings (UPST 6.25%). fool.com - 3 weeks ago
2 Monster Stocks to Hold for the Next 5 Years Every investor wants multibagger stocks. These are the kind of investments that can make up for a dozen losers in your portfolio, or even generate life-changing returns over a long enough period. fool.com - 3 weeks ago
Buy 5 AI-Powered Non-Tech Stocks to Tap Massive Short-Term Potential Here we present five AI-powered non-tech stocks have solid growth potential for 2025. These are: PYPL, V, UPST, NFLX, JCI. zacks.com - 1 month ago
This Stock Dropped 47% in the Past 4 Weeks and Could Be a No-Brainer Buy During the Nasdaq Correction Financial technology company Upstart (UPST -11.71%) has taken investors on quite a bumpy ride over the past year or so. After falling dramatically in the post-pandemic years, Upstart's stock price more than quadrupled from its 52-week low after three consecutive strong earnings reports. fool.com - 1 month ago
8. Profile Summary

Upstart Holdings, Inc. UPST

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 3.54 B
Dividend Yield 0.00%
Description 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.
Contact 2950 South Delaware Street, San Mateo, CA, 94403 https://www.upstart.com
IPO Date Dec. 16, 2020
Employees 1193
Officers Mr. Scott Darling Esq. Chief Legal Officer & Corporate Secretary Mr. Paul Gu Co-Founder, Chief Technology Officer & Director Mr. Sanjay Datta CFA Chief Financial Officer Natalia Mirgorodskaya Chief Accounting Officer Ms. Annie Delgado Chief Compliance Officer & Chief Risk Officer Ms. Alice Berry Senior Director of Treasury Mr. David J. Girouard Co-Founder, President, Chief Executive Officer & Chairperson of the Board