UPST

$27.83

Post-MarketAs of Mar 17, 8:00 PM UTC

Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States.

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Historical Price

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Peer Comparison

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Whystock Valuation Model

Calculated using a trailing P/E relative model adjusted by sector ROE and historical growth.
Current Price$27.83
Potential Downside
68.5%
Whystock Fair Value$8.77
Price
UndervaluedFair ValueOvervalued

Fundamentals

SectorFinancial Services
IndustryCredit Services

Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform in...

Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$2.73B
P/E Ratio
Priced for growth. Investors expect sustained double-digit expansion.
61.84
Beta
High-beta play. Expect amplified moves vs. the broad market.
2.19
Div Yield
Low to zero yield. Return is entirely dependent on price appreciation.
0.00%
ROIC
Average efficiency. Growth may require heavy reinvestment.
7.49%
Quick Ratio
Pristine liquidity. Sufficient cash to cover all near-term obligations.
4.14

Recent News

Motley Fool
Mar 17, 2026

Stock Market Today, March 17: SoFi Technologies Falls After Short Seller Alleges Aggressive Financial Engineering

SoFi’s balance sheet is under fresh scrutiny just as it touts record profits and a new Mastercard stablecoin deal, today, March 17, 2026.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
StockStory
Mar 16, 2026

Why Upstart (UPST) Stock Is Up Today

Shares of AI lending platform Upstart (NASDAQ:UPST) jumped 4.8% in the afternoon session after BTIG upgraded the stock to Buy from Neutral, pointing to potential cost savings from the company's application for a bank charter.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Motley Fool
Mar 14, 2026

Should You Invest $1,000 in Upstart Right Now?

This innovative fintech stock has tanked 36% so far in 2026.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Simply Wall St.
Mar 13, 2026

Upstart Bank Charter Bid Shifts Funding Model And Regulatory Risk Profile

Upstart Holdings (NasdaqGS:UPST) has announced plans to apply for a national bank charter. The company intends to form an insured national bank, Upstart Bank, N.A., and become a bank holding company. Upstart is seeking regulatory approval from the OCC, FDIC, and Federal Reserve to move its lending under a single federal prudential framework. Upstart focuses on AI driven consumer lending, partnering with banks and other capital providers to originate loans using its credit models. By...

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Insider Monkey
Mar 13, 2026

Upstart (UPST) Applies for National Bank Charter

Upstart Holdings Inc. (NASDAQ:UPST) is among the 10 best non-tech stocks to buy and hold for 5 years. On March 10, Upstart Holdings Inc. (NASDAQ:UPST) announced that it plans to submit an application to establish an insured national bank, to be named Upstart Bank NA. The AI lending marketplace will apply to the Office of […]

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.