UPST Share Price Performance
US$0
-47.66 (-100.00%)
Price US$0
Fair ValueUS$43.93
Share Pricen/a
Narrative Update • May 18
Upstart Holdings, Inc. Stock Price
- 4 Narratives written by author
- 0 Comments on narratives written by author
- 236 Fair Values set on narratives written by author
UPST Community Narratives
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Fair Value
·Fair Value US$43.93 30.1% undervalued intrinsic discount
UPST: Raised Guidance And Credit Union Partnerships Will Drive Momentum Ahead
3users have liked this narrative
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137users have followed this narrative
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Fair Value
·Fair Value US$20 53.6% overvalued intrinsic discount
Rising Privacy Limits And Regulatory Pressures Will Undermine Lending Automation
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5users have followed this narrative
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Fair Value
·Fair Value US$74.12 58.6% undervalued intrinsic discount
Artificial Intelligence Adoption And Digital Trends Will Redefine Lending
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3users have followed this narrative
Rising Privacy Limits And Regulatory Pressures Will Undermine Lending Automation
Upstart’s AI lending business depends on the kind of borrower data that privacy rules and tougher oversight could restrict, which may make its approvals less accurate and more costly to run. Add rising competition and reliance on a small set of funding partners, and its growth could be more fragile than it looks.Read more
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US$20
53.6% overvalued intrinsic discount
Fair Value
Revenue
24.22% p.a.
Profit Margin
16.38%
Future PE
6.62x
Price in 2029
US$25.9
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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US$43.93
30.1% undervalued intrinsic discount
Fair Value
Revenue
29.91% p.a.
Profit Margin
16.53%
Future PE
15.63x
Price in 2029
US$56.75
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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US$74.12
58.6% undervalued intrinsic discount
Fair Value
Revenue
37.08% p.a.
Profit Margin
19.44%
Future PE
19.24x
Price in 2029
US$96.53
Trending Discussion
Recently Updated Narratives
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UPST: Funding Strains Will Likely Persist Despite Planned Bank Charter Pursuit
Fair Value: US$20 53.6% overvalued intrinsic discount
5 fair values setusers have set this as their fair value
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AN
UPST: Bank Charter Pursuit And GenAI Underwriting Are Expected To Drive Upside
Fair Value: US$43.93 30.1% undervalued intrinsic discount
137 fair values setusers have set this as their fair value
0 commentsusers have commented on this narrative
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UPST: Bank Charter Pursuit Will Reset Perceived Credit Cycle Risk
Fair Value: US$74.12 58.6% undervalued intrinsic discount
3 fair values setusers have set this as their fair value
0 commentsusers have commented on this narrative
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Snowflake Analysis
Upstart Holdings, Inc. Key Details
About UPST
- Founded
- 2012
- Employees
- 1405
- 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 unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.
