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UPST
$32.74+1.16 (+3.67%)
Market ClosedLast close May 1
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
Upstart Holdings, Inc. in the Financial Services sector is trading at $32.74. The stock is currently near its 52-week low of $23.96, remaining 30.7% below its 200-day moving average. Technical signals show neutral RSI of 63 and bearish MACD signal, explaining why UPST maintains its current current market pressure. The Whystock Score of 60/100 suggests a balanced risk-reward profile.
Ecosystem Influences
Neutral momentum (RSI 63) — price action in range
Long-term trend bearish (Price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
JPMBACGS
Whystock Valuation Model
Whystock fair value is estimated using a trailing P/E model adjusted for return on equity: Fair P/E = 18 + (ROE × 20). Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. A base P/E of 18 represents a typical market multiple, scaled upward for companies that earn high returns on equity. The result is a theoretical "normalised" price — not a price target or investment advice. Large deviations are common for high-growth or loss-making companies.
Current Price$32.74
Potential Downside
76.9%
Whystock Fair Value$7.57
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Analyst Consensus15 analysts
Buy
Mean target$43.93+34.2%
Range$20.00 – $80.00
Fundamentals
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).
$3.32B
P/E Ratio
Priced for growth. Investors expect sustained double-digit expansion.
77.20
Beta
High-beta play. Expect amplified moves vs. the broad market.
2.16
Div Yield
Low to zero yield. Return is entirely dependent on price appreciation.
0.00%
ROE
Average efficiency. Growth may require heavy reinvestment.
-0.80%
Volume
Today's trading volume
3.67M
Recent News
3 Growth Stocks With High Insider Ownership Achieving 19% Revenue Growth
Over the last 7 days, the United States market has remained flat, yet it is up 29% over the past year with earnings forecast to grow by 16% annually. In this environment, identifying growth stocks with high insider ownership can be appealing as these companies often benefit from strong alignment between management and shareholders, potentially driving sustainable revenue growth.
Upstart Set to Report Q1 Earnings: What's in Store for the Stock?
UPST heads into Q1 earnings with revenue and EPS growth expected as investors watch funding momentum and newer loan verticals.
3 Growth Companies With High Insider Ownership Expecting 28% Revenue Growth
The United States market remained flat over the last week, yet it has experienced a remarkable 29% rise over the past 12 months, with earnings forecasted to grow by 16% annually. In such an environment, growth companies with high insider ownership can be particularly appealing as they often signal confidence from those closest to the business and may be well-positioned to capitalize on expected revenue growth.
Is Upstart Holdings, Inc. (UPST) A Good Stock To Buy Now?
Is UPST a good stock to buy? We came across a bullish thesis on Upstart Holdings, Inc. on KUANYU LEE’s Substack. In this article, we will summarize the bulls’ thesis on UPST. Upstart Holdings, Inc.’s share was trading at $34.86 as of April 20th. UPST’s trailing and forward P/E were 76.82 and 35.97 respectively according to Yahoo Finance. Upstart Holdings, Inc., […]
3 Growth Companies With High Insider Ownership And 25% Revenue Growth
The United States market remained flat over the last week, yet it has experienced a robust 28% rise over the past 12 months, with earnings forecasted to grow by 16% annually. In this environment, growth companies with high insider ownership and significant revenue growth can be particularly appealing as they may suggest strong confidence from those closest to the business.