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UPST
$31.06+0.06 (+0.19%)
After Hours$30.85-0.21 (-0.68%)· Last close Jun 9
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 $31.06 with a market capitalization of $2.9B. Wall Street consensus targets $40.27 (15 analysts), implying a +29.6% move over the next 12 months. The stock is currently near its 52-week low of $23.96, remaining 25.2% below its 200-day moving average. On fundamentals, Piotroski 3/9 flags weak fundamentals. The Whystock Score of 55/100 suggests a balanced risk-reward profile.
Ecosystem Influences
Sell-side targets imply +29.6% upside over 12 months
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
Anchored to each ticker's own 5-year median trailing P/E, tilted by current ROE and growth. Fair P/E = own median P/E + (ROE × 10) + (max(revenue growth, earnings growth) × 15), capped at ±30% around the historical anchor. Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. Premium compounders like COST/MSFT are judged against their own multi-year norm rather than a sector median. Falls back to the sector-anchored formula (Tech ≈ 28, Comm Services ≈ 24, Utilities ≈ 18, Financials ≈ 14, etc.) for recent IPOs and tickers with insufficient history (< 24 monthly samples). Result is a normalised multiple gauge — not a price target.
Current Price$31.06
Potential Upside
21.7%
Whystock Fair Value$37.82
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$40.27+29.6%
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).
$2.90B
P/E Ratio
Priced for growth. Investors expect sustained double-digit expansion.
73.88
Beta
High-beta play. Expect amplified moves vs. the broad market.
2.26
Div Yield
Low to zero yield. Return is entirely dependent on price appreciation.
0.00%
ROE
Average efficiency. Growth may require heavy reinvestment.
6.74%
Volume
Today's trading volume
4.02M
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Upstart (UPST) Stock Trades Up, Here Is Why
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