UPST
Upstart Holdings Inc
NASDAQ: UPST · FINANCIAL SERVICES · CREDIT SERVICES
$30.48
-7.24% today
Updated 2026-04-29
Market cap
$2.92B
P/E ratio
67.73
P/S ratio
2.71x
EPS (TTM)
$0.45
Dividend yield
—
52W range
$24 – $87
Volume
4.8M
WallStSmart proprietary scores
51
out of 100
Grade: C
Hold
Investment rating
8.7
Growth
A5.8
Quality
C+4.5
Profitability
C4.0
Valuation
C5/9
Piotroski F-Score
Moderate
0.8
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →204 stocks currently score above 75
Price targets
Analyst target
$43.93
+44.13%
12-Month target
$13.78
-54.79%
Intrinsic (DCF)
—
Margin of safety
—
2 Strong Buy6 Buy6 Hold0 Sell1 Strong Sell
Price chart
X-Ray snapshot
Strengths
+ Free cash flow $104.63M — positive
+ Revenue growth 34.40% QoQ
Risks
- Altman Z 0.83 — distress zone
- Thin margins at 4.98%
- P/E 67.73x — expensive valuation
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $842.44M | $547.72M | $676.96M | $1.08B | $1.08B |
| Net income | $-108.67M | $-240.13M | $-128.58M | $53.60M | $18.64M |
| EPS | — | — | — | — | $0.45 |
| Free cash flow | $-680.77M | $-123.80M | $176.34M | $-166.13M | $104.63M |
| Profit margin | -12.90% | -43.84% | -18.99% | 4.98% | 4.98% |
Peer comparison
Smart narrative
Upstart Holdings Inc trades at $30.48. representing a P/E of 67.73x trailing earnings. Our Smart Value Score of 51/100 indicates the stock is fair. The company scores 5/9 on the Piotroski F-Score. With an Altman Z-Score of 0.83, it sits in the distress. TTM revenue stands at $1.08B. with profit margins at 4.98%.
Frequently asked questions
What is Upstart Holdings Inc's stock price?
Upstart Holdings Inc (UPST) trades at $30.48.
Is Upstart Holdings Inc overvalued?
Smart Value Score 51/100 (Grade C, Hold).
What is the price target of Upstart Holdings Inc (UPST)?
The analyst target price is $43.93, representing +44.1% upside from the current price of $30.48.
What is Upstart Holdings Inc's revenue?
TTM revenue is $1.08B.
Piotroski F-Score?
5/9 — moderate financial health.
Altman Z-Score?
0.83 — distress.
Company info
SectorFINANCIAL SERVICES
IndustryCREDIT SERVICES
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio2.71x
ROE7.49%
Beta2.16
50D MA$28.69
200D MA$47.65
Shares out0.10B
Float0.08B
Short ratio—
Avg volume4.8M
Performance
1 week—
1 month—
3 months—
YTD—
1 year—
3 years—
5 years—