Upstart Holdings, Inc. (UPST) Stock Analysis

    $UPST · Financial Services · Financial - Credit Services

    Upstart Holdings (UPST), a Financial - Credit Services company, has a market capitalization of about $2.29B and trades at 58.3x trailing earnings.

    Price

    $23.56

    Market cap

    $2.29B

    P/E ratio

    58.3x

    Dividend yield

    —

    About Upstart Holdings, Inc.

    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.

    How StockWorthy values UPST

    StockWorthy forecasts Upstart Holdings, Inc.'s revenue, operating profitability, reinvestment (capital expenditure, depreciation and working capital) and unlevered free cash flow, then discounts those cash flows using a normalized cost of capital built from UPST's size, profitability and balance-sheet risk. Terminal growth is adjusted to reflect the company's mature growth profile rather than a fixed number. The model presents bear, base and bull scenarios, and every key assumption stays transparent and adjustable in the full StockWorthy analysis. Results are educational and not investment advice.

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