Stock AnalizUpstart Holdings, Inc. UPST
Finance: Consumer Services · IPO 2020 · data as of November 13, 2026
Upstart Holdings, Inc. (UPST) is a financial company listed in the US with a market value of about $1.9B. In the twelve months to September 30, 2026 it had revenue of $1.3B and net income of $65M, a net margin of 4.9%.
Its overall Stock Analiz score is 1.2 out of 5 (weak). The strongest part is future growth (3/5); the weakest is shareholder returns (0/5).
Key numbers: a P/E of 33.2, 5-year revenue growth of 35% a year, a 5-year average ROIC of -3%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 64% below the current price.
Score: 1.2 / 5
Checks passed
- PEG below 1.5
- Revenue growth above 10% last year
- Profit margin improving
- Strong R&D investment or growth above 20%
- 5-year revenue growth above 8% a year
- Interest covered more than 5 times
Checks not passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- 5-year EPS growth above 10% a year
- 5-year average ROIC above 12%
Valuation
Growth and quality
Financials, last 7 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.3B | $1.0B | $637M | $514M | $907M | $849M | $233M | $164M |
| Net income | $65M | $54M | -$129M | -$240M | -$109M | $135M | $6M | -$466000 |
| Free cash flow | -$187M | -$148M | $185M | -$113M | -$667M | $160M | $14M | $28M |
| EPS (diluted) | $0.59 | $0.45 | $-1.44 | $-2.87 | $-1.31 | $1.43 | $0.00 | $-0.03 |
| Net margin | 4.9% | 5.1% | -20.2% | -46.8% | -12.0% | 16.0% | 2.6% | -0.3% |
| ROIC | — | 1.3% | -6.6% | -11.7% | -5.1% | 6.9% | 2.4% | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 16 analysts is $31.19, 59% above the current price; targets range from $18.00 to $46.00; the consensus rating is “Buy”; expected EPS is $1.87 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Upstart’s P/E ratio?
About 33.2, based on the last twelve months of diluted earnings per share (forward P/E about 8.0).
Is Upstart stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 64% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Upstart pay a dividend?
Not currently.
Is Upstart a good stock to buy?
We do not give buy or sell advice. Upstart scores 1.2 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
Similar companies
Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.