UPST Share Price Performance
US$46.75
-30.41 (-39.41%)
15.6% undervalued intrinsic discount
US$55.38
Fair Value
Price US$46.75
AnalystConsensusTarget US$55.38
AnalystLowTarget US$40.17
AnalystHighTarget US$105.00
Fair ValueUS$55.38
Share Pricen/a
Upstart Holdings, Inc. Stock Price
- 3 Narratives written by author
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- 205 Fair Values set on narratives written by author
UPST Community Narratives
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Fair Value US$55.38 15.6% undervalued intrinsic discount
UPST: Raised Guidance And Credit Union Partnerships Will Drive Momentum Ahead
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Fair Value US$40.17 16.4% overvalued intrinsic discount
Rising Privacy Limits And Regulatory Pressures Will Undermine Lending Automation
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Fair Value US$105 55.5% undervalued intrinsic discount
Artificial Intelligence Adoption And Digital Trends Will Redefine Lending
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UPST: Raised Guidance And Credit Union Partnerships Will Drive Momentum Ahead
Key Takeaways Improvements in underwriting, automation, and personalization enhance loan approval rates, lower costs, and reduce default risks, positively impacting revenue and net margins. Strategic HELOC growth, backed by strong banking relationships, alongside expanded borrower base, sets stage for future revenue growth and earnings support.Read more
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AN
US$55.38
15.6% undervalued intrinsic discount
AnalystConsensusTarget Fair Value
Revenue
19.62% p.a.
Profit Margin
16.55%
Future PE
27.33x
Price in 2028
US$70.95
Rising Privacy Limits And Regulatory Pressures Will Undermine Lending Automation
Key Takeaways Increasing data privacy regulations and AI oversight threaten Upstart's model accuracy, differentiation, and may drive up compliance costs and operational risks. Intensifying competition and reliance on limited partners expose Upstart to margin pressure, market share loss, and greater revenue volatility.Read more
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AN
US$40.17
16.4% overvalued intrinsic discount
AnalystLowTarget Fair Value
Revenue
23.45% p.a.
Profit Margin
15.2%
Future PE
22.59x
Price in 2028
US$50.64
Artificial Intelligence Adoption And Digital Trends Will Redefine Lending
Key Takeaways Upstart's AI-powered credit models and automation create accelerating network effects, enabling higher conversion, faster growth, and stronger margins, surpassing consensus expectations. Disruptive automation and digital-first positioning unlock scalable, inclusive originations and recurring revenues, uniquely benefiting Upstart as lenders move beyond legacy credit systems.Read more
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AN
US$105
55.5% undervalued intrinsic discount
AnalystHighTarget Fair Value
Revenue
31.25% p.a.
Profit Margin
19.5%
Future PE
39.94x
Price in 2028
US$132.23
Trending Discussion
Recently Updated Narratives
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UPST: Continued Partnerships Will Drive Share Recovery Despite Delinquency Concerns
Fair Value: US$55.38 15.6% undervalued intrinsic discount
123 followersusers have followed this narrative
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Rising Privacy Limits And Regulatory Pressures Will Undermine Lending Automation
Fair Value: US$40.17 16.4% overvalued intrinsic discount
4 followersusers have followed this narrative
0 commentsusers have commented on this narrative
0 likesusers have liked this narrative
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Artificial Intelligence Adoption And Digital Trends Will Redefine Lending
Fair Value: US$105 55.5% undervalued intrinsic discount
0 followersusers have followed this narrative
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Snowflake Analysis
Upstart Holdings, Inc. Key Details
About UPST
- Founded
- 2012
- Employees
- 1193
- CEO
- WebsiteView website
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 includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small dollar loans. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.
