UPST
Upstart Holdings Inc
NASDAQ: UPST · FINANCIAL SERVICES · CREDIT SERVICES
$24.14
+1.81% today
Updated 2026-10-28
Market cap
$2.29B
P/E ratio
47.12
P/S ratio
1.78x
EPS (TTM)
$0.50
Dividend yield
—
52W range
$22 – $55
Volume
4.2M
WallStSmart proprietary scores
56
out of 100
Grade: C+
Hold
Investment rating
8.7
Growth
A5.0
Quality
C+4.5
Profitability
C4.7
Valuation
C5/9
Piotroski F-Score
Moderate
0.8
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →270 stocks currently score above 75
Price targets
Analyst target
$38.38
+58.99%
12-Month target
$13.78
-42.92%
Intrinsic (DCF)
—
Margin of safety
—
2 Strong Buy6 Buy7 Hold0 Sell1 Strong Sell
Price chart
Stock snapshot
Strengths
+ Revenue growth 42.30% QoQ
Risks
- Altman Z 0.80 — distress zone
- Thin margins at 4.69%
- Negative free cash flow $-138.82M
- P/E 47.12x — expensive valuation
- Debt/equity 2.54x — high leverage
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $842.44M | $547.72M | $676.96M | $1.08B | $1.29B |
| Net income | $-108.67M | $-240.13M | $-128.58M | $53.60M | $16.54M |
| EPS | — | — | — | — | $0.50 |
| Free cash flow | $-680.77M | $-123.80M | $176.34M | $-166.13M | $-138.82M |
| Profit margin | -12.90% | -43.84% | -18.99% | 4.98% | 4.69% |
Peer comparison
Smart narrative
Upstart Holdings Inc trades at $24.14. representing a P/E of 47.12x trailing earnings. Our Smart Value Score of 56/100 indicates the stock is fair. The company scores 5/9 on the Piotroski F-Score. With an Altman Z-Score of 0.80, it sits in the distress. TTM revenue stands at $1.29B. with profit margins at 4.69%.
Frequently asked questions
What is Upstart Holdings Inc's stock price?
Upstart Holdings Inc (UPST) trades at $24.14, on a P/E of 47.1x and a P/S of 1.8x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is Upstart Holdings Inc overvalued?
Upstart Holdings Inc carries a Smart Value Score of 56/100 (Grade C+), which we rate Hold. That score blends growth, quality, and valuation into one read.
What is the price target of Upstart Holdings Inc (UPST)?
The 12-month analyst consensus target is $38.38, about 59.0% above the current $24.14. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is Upstart Holdings Inc's revenue?
Upstart Holdings Inc's trailing twelve-month revenue is $1.29B. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
Upstart Holdings Inc's Altman Z-Score is 0.80, which places it in the distress. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
SectorFINANCIAL SERVICES
IndustryCREDIT SERVICES
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio1.78x
ROE6.74%
Beta2.43
50D MA$26.59
200D MA$31.09
Shares out0.10B
Float0.08B
Short ratio—
Avg volume4.2M
Performance
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