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Company Analysis

Upstart Holdings, Inc. UPST

A comprehensive view of key metrics, scores, and financial health for Upstart Holdings, Inc.

Overview of Upstart Holdings, Inc.

UPST NMS
Financial Services Credit Services Framework: Banks & Lenders Mid Cap
Upstart Holdings, Inc. (UPST), is a Mid Cap company, in the Credit Services industry, last closed at $29.27, about 73.2% overvalued vs fair value, -64.9% 1Y return, ranked 891/1078 in sector.
Metrics P/E 87.7× Rev Growth 62.8% ROE 7.5% Gross Margin 100.0%
USD 29.27
1.56%
(Delayed)
• Vol 90d: 65.4%
52-Week Range
Market Cap
$3.18B
Enterprise Value
$4.65B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Weak
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Weak
Completeness: 82%
Confidence: 86%
Updated: Jul 5
Top Beats
No strong beats yet

Quick Facts

Website https://www.upstart.com
HQ San Mateo, CA
Employees 1,405
Fiscal year Dec 31

Next Events

Earnings Aug 4 Estimated

Fair Value Snapshot

Bear Base Bull
$4
$8
$15
Current: $29.27 -73% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$204.2M
9.6%%
Interest Expense
$51.5M
Net Interest Income
$152.7M
10.5%%
Total Revenue
$1.0B
62.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
6.7%
Fair

Net Income / Equity - key bank profitability metric

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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
1/2
Improving
1
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Upstart Holdings, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
17
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
15
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing UPST's balance between Growth (41.4%), Profitability (25.9%), and Safety (32.7%). Growth 41% Safety 33% Profitability 26%

Click axes to expand details. Marker shows current allocation.

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Growth

78th percentile vs peers
79
Key Signals
Asset Growth YoY 25.7% 89p EPS Growth YoY 1.35 90p Equity Growth YoY 26.2% 90p NII Growth YoY 10.5% 53p
Strengths
  • Asset Growth YoY in top 20% of peers (25.7%, 89th percentile)
  • EPS Growth YoY in top 20% of peers (1.35, 90th percentile)
  • Equity Growth YoY in top 20% of peers (26.2%, 90th percentile)
  • Net Interest Margin in top 20% of peers (5.1%, 93th percentile)
  • ROA in top 20% of peers (2.0%, 89th percentile)
Risks

No significant risks identified for this axis.

Profitability

49th percentile vs peers
49
Key Signals
Strengths
Risks
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Safety

62th percentile vs peers
62
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Upstart Holdings, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$7.83
- - -
-73.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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