UPST · available-data snapshot
Upstart Holdings, Inc. (UPST): Available-Data Snapshot
TickerWorth does not publish a DCF fair value for Upstart Holdings, Inc. (UPST); the reason is set out below. What its filings and market data do show is below. The snapshot also sets out its trading multiples against 5 peers. Snapshot as of Oct 19, 2026.
Model by Miraaj Patel · generated from public market data · Updated Oct 19, 2026 · How these pages are made
Why is there no fair value for UPST?
We do not publish a fair value for Upstart Holdings, Inc.. What we can say from its filings and market data is below.
What is UPST's TickerWorth Score?
Middle of the pack — real strengths and real weaknesses
Compared with Financial Services companies in US
Its strongest point: trades below our estimate of what it's worth. Its weakest: looks expensive on the numbers.
- Value · 28 of 100
Cheaper than 28% of Financial Services companies in US
- Price vs worth · 100 of 100
- Quality · 28 of 100
More profitable than 28% of Financial Services companies in US
- Financial health · 31 of 100
Financially stronger than 31% of Financial Services companies in US
- Growth · 96 of 100
Growing faster than 96% of Financial Services companies in US
- Momentum · 1 of 100
Outperformed almost none of the Financial Services companies in US over the past year
Confidence: Medium confidence · Scored
Get the Undervalued Company of the Week.
- Price
- $23.11
- Market cap
- $2,
211, 894, 272 - 52-week high
- $55.22
- 52-week low
- $22.21
- Currency
- USD
- Exchange
- NasdaqGS
Snapshot of Oct 19, 2026, quote time not published · Prices are delayed.
What we can say
We don't publish a discounted-cash-flow fair value for Upstart Holdings, Inc. (UPST) because the free data sources we rely on don't expose the multi-year financials a DCF needs — common for small or thinly-covered listings. Rather than invent numbers, this page shows an honest snapshot of what the public data does support: the current price and size, any relative valuation multiples that exist, a book-value view, and a price-based read. Treat it as a descriptive starting point, not a valuation and not investment advice.
Read the full reasoning
On the numbers we do have, UPST trades at a recent price of $23.11, a market capitalisation of about $2,211,894,272, sitting 3% of the way up its 52-week range ($22.21–$55.22), on the NasdaqGS.
The standard alternative to a DCF is relative valuation — comparing UPST's trading multiples against a sector benchmark. Here that gives P/E of 46.2× (richer than the peer median of 14.2×); Fwd P/E of 6.5× (cheaper than the peer median of 13.3×); P/B of 2.8× (in line with the peer median of 2.6×); P/S of 1.7× (cheaper than the peer median of 4.7×); EV/EBITDA of 33.8× (richer than the peer median of 24.5×). A cheaper multiple than peers can flag a discount or a market that expects weaker growth; it is a comparison, not a recommendation.
The asset, or book-value, lens is the classic tool for asset-heavy businesses and financials. UPST shows a price-to-book (P/B) of 2.82 and book value of $8.20 per share. Price-to-book compares the market price to the accounting net-asset value per share; below 1.0 can mean a discount to net assets or that the market is pricing in trouble — descriptive either way, never a buy signal on its own.
Finally, a price-based read — explicitly not a valuation. UPST is in a down-trend (price below both its 50- and 200-day averages), trading -58.1% from its 52-week high. Over the past year the stock is -53.1%. Moving-average trend and 52-week position describe where the stock has traded; they say nothing about what it is worth.
UPST vs peers
Sector benchmark (bellwethers, not direct competitors).
| Multiple | UPST | Peer median | Read |
|---|---|---|---|
| P/E | 46.2× | 14.2× | richer than |
| Fwd P/E | 6.5× | 13.3× | cheaper than |
| P/B | 2.8× | 2.6× | in line with |
| P/S | 1.7× | 4.7× | cheaper than |
| EV/EBITDA | 33.8× | 24.5× | richer than |
What does Upstart Holdings, Inc. do?
What does it do?
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. It operates in the Credit Services industry (Financial Services sector), headquartered in United States. The company employs roughly 1,405 people.
How does it make money?
The business turns $1.0B in annual revenue into profit. Out of every $100 of sales, about $7 is left as operating profit (operating margin of 7.2%), after a 83% gross margin on the products/services it sells. After all costs, taxes and interest, 4.7% of revenue becomes bottom-line net profit.
Is it financially healthy?
Financially it looks stretched: carries heavy debt (2.6× equity), comfortably covers its short-term bills (10.5× current ratio), and is currently profitable.
Who at UPST filed insider trades?
| Date | Insider | Relationship | What happened | Value | Filing |
|---|---|---|---|---|---|
| Gu Paul | Director, Chief Executive Officer | Open-market buy | $1,277,500.00 | Form 4 for Gu Paul (opens sec.gov in a new tab) | |
| Datta Sanjay | President, Capital& Enterprise | Option exercise | $405,000.00 | Form 4 for Datta Sanjay (opens sec.gov in a new tab) | |
| Datta Sanjay | President, Capital& Enterprise | Open-market sale | $3,166,196.80 | Form 4 for Datta Sanjay (opens sec.gov in a new tab) | |
| Mirgorodskaya Natalia | See Remarks | Open-market sale | $27,417.39 | Form 4 for Mirgorodskaya Natalia (opens sec.gov in a new tab) | |
| Datta Sanjay | President, Capital& Enterprise | Open-market sale | $251,298.15 | Form 4 for Datta Sanjay (opens sec.gov in a new tab) | |
| Darling Scott | Chief Legal Officer | Open-market sale | $216,216.04 | Form 4 for Darling Scott (opens sec.gov in a new tab) |
A disclosure, not a signal to trade. Source: SEC EDGAR (Form 4). Older filings and the 90-day buying-and-selling read are part of Pro. See plans
Companies we do put a number on
Not investment advice. TickerWorth Score is a model output.
A descriptive, available-data snapshot and relative comparison — NOT a DCF, NOT a price target, and NOT investment advice. TickerWorth is not a licensed investment adviser, and these figures are estimates from public market data that can be wrong, stale or incomplete.