Upstart Holdings (UPST) Stock Price
Upstart Holdings Price
Revenue has compounded at 46.6% per year over the past 8 years to 1.02 B USD. Earnings per share have grown at 17.4% per year over the last 5 years. Upstart Holdings's net margin stands at 5.2%, down from 16.0% several years earlier. Analysts set a median price target of 40.00 USD, implying 64.3% above the current price. Of 21 analysts, 13 rate the stock a buy — an overall Buy consensus.
Upstart Holdings stock price
Upstart Holdings business model & stock analysis
Frequently asked questions about Upstart Holdings
The business model of Upstart Holdings Inc is a modern lending platform that utilizes artificial intelligence (AI) and machine learning to improve the accuracy and efficiency of loan underwriting. Upstart connects borrowers with a network of investors who are interested in funding their loan requests. By analyzing a wide range of alternative data points, such as education, employment history, and even the borrower's area of study, Upstart aims to provide more accurate risk assessments and expand access to affordable credit. This innovative approach has gained popularity among consumers and investors alike, making Upstart Holdings Inc a leader in the online lending industry.
Upstart Holdings Inc is primarily active in the financial technology industry. With its innovative artificial intelligence (AI) platform, Upstart revolutionizes how loans are originated and processed. By utilizing advanced algorithms and machine learning, Upstart analyzes vast amounts of data to assess the creditworthiness of borrowers, enabling faster and more accurate lending decisions. This fintech disruptor has expanded its presence in sectors like consumer lending, personal loans, auto loans, and credit card consolidation. Through its unique technology-driven approach, Upstart aims to transform the lending landscape and provide broader access to affordable credit solutions for individuals and institutional partners.
The main competitors of Upstart Holdings Inc in the market include other online lending platforms such as LendingClub Corporation, Prosper Marketplace Inc, and SoFi Technologies Inc. These companies also offer innovative online lending solutions and compete with Upstart in terms of loan origination volume, borrower acquisition, and lender partnerships. Upstart Holdings Inc, continues to differentiate itself through its proprietary artificial intelligence-based underwriting model, which utilizes machine learning algorithms to assess creditworthiness and provide quick access to affordable loans. However, these competitors pose a challenge in terms of capturing market share and expanding its presence in the online lending industry.
Upstart Holdings Inc is a company with a rich history and background in the financial technology sector. Founded in 2012 by a group of ex-Google employees, Upstart has emerged as a leading online lending platform. The company utilizes advanced AI algorithms and machine learning to revolutionize the lending industry. Upstart focuses on providing personal loans for various purposes, including debt consolidation and education expenses. Its data-driven approach has proven successful, resulting in faster loan approvals and lower interest rates compared to traditional lenders. With a strong emphasis on innovation and technology, Upstart Holdings Inc continues to disrupt the lending landscape and create opportunities for borrowers and investors alike.
Upstart Holdings Inc has achieved several significant milestones. One notable accomplishment is its successful initial public offering (IPO) on December 16, 2020. This milestone allowed the company to list its shares on the Nasdaq stock exchange under the ticker symbol "UPST." Additionally, Upstart has shown impressive growth and innovation in the fintech industry, leveraging advanced artificial intelligence (AI) technology to revolutionize the lending process. The company has consistently expanded its customer base and partnership network, attracting renowned financial institutions. Furthermore, Upstart's continuous recognition and awards for its industry-leading platform and disruptive approach highlight its commitment to transforming the traditional lending landscape.
Upstart Holdings Inc is primarily present in the United States.
Upstart Holdings Inc represents the values of innovation, technology, and financial inclusivity. With a corporate philosophy focused on using artificial intelligence and machine learning to create more efficient lending processes, Upstart aims to bridge the gap between traditional banking institutions and underserved individuals. The company strives to provide fair and affordable access to credit, enabling borrowers to achieve their financial goals. Upstart's commitment to transparency, trust, and data-driven decision-making sets it apart in the lending industry. By leveraging cutting-edge technology, Upstart Holdings Inc aims to revolutionize the way people obtain loans, empowering individuals to thrive and reach their full potential.
Analysts currently set an average price target of 40.00 USD for the Upstart Holdings stock (median: 40.00 USD), implying +75.4 % versus the latest price. The consensus is based on 21 analyst ratings.
21 analysts currently rate the Upstart Holdings stock: 13 recommend buying, 7 holding and 1 selling. For 2026, analysts expect Upstart Holdings to generate revenue of 1.42 B USD and earnings per share of 0.65 USD.
Converted at the current exchange rate, the Upstart Holdings share trades at 21.64 EUR (24.35 USD).
The Upstart Holdings share (UPST) is listed on 5 stock exchanges, including: NASDAQ (UPST), SIX (Zürich) (855.SW), Frankfurt (855.F), München (855.MU), Düsseldorf (855.DU).
Upstart Holdings Inc is a leading online credit platform company in the US. The business model of Upstart is focused on providing borrowers with fast and easy financing options, while enabling investors to earn profitable returns on their investments. Upstart was founded in 2012 in Palo Alto, California and has since become a true pioneer in the FinTech industry. Upstart offers a range of products and services that customers can apply for online. These include personal loans, debt consolidation, and auto loans. Access to these loans is easy and fast, without lengthy procedures or credit checks. Upstart utilizes a combination of proprietary algorithms, machine learning, and artificial intelligence to quickly evaluate borrowers and minimize risk. Upstart recognizes that many borrowers are denied by traditional banks due to imperfect creditworthiness, even though they are capable of repaying loans. The company has tailored its business model to provide these borrowers with faster and easier access to credit. Traditional factors such as income, employment history, and borrower expenses are evaluated, as well as several non-traditional factors such as education, field of study, etc. The evaluation factors are automatically weighted by a machine learning based model to make a decision. Upstart also enables investors to invest in loan originations and achieve high returns on their investments. Upstart offers an online platform where investors can directly invest in the approval of loans. The risk is automatically diversified across many different loans to minimize overall risk. Investors can flexibly choose the level of risk they want to take and maximize their returns. This innovative approach has attracted investors from individual investors, private equity, and hedge funds. Upstart also offers partnerships with traditional financial institutions such as banks, credit card issuers, and other lenders. The company provides its technology platform to automate processes in a customer-friendly and cost-effective way. Upstart's platform is easily integrable, which helps customers streamline the loan origination processes more efficiently. Overall, Upstart Holdings Inc has a strong business model that has contributed to the company's rapid growth and significant presence in the financial sector since 2012. Upstart has established itself as a leader in lending through its innovative and data-driven approach and is expected to continue to be an important part of the US financial system in the future.
The expected revenue of Upstart Holdings is 1.42 B USD. This figure is based on current financial data and reflects the company's business performance.
The expected profit of Upstart Holdings is 72.86 M USD. The net profit reflects the company's profitability after deducting all expenses.
The price-to-earnings ratio (P/E) of Upstart Holdings is currently 37.51. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Upstart Holdings stock.
The price-to-sales ratio (P/S) of Upstart Holdings is currently 1.92. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Upstart Holdings stock.
The Eulerpool Quality Score for Upstart Holdings is 3/10.
The ISIN of Upstart Holdings is US91680M1071. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The WKN of Upstart Holdings is A2QJL7. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.
The ticker of Upstart Holdings is UPST. The ticker symbol is used to trade Upstart Holdings shares on the stock exchange.
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All fundamentals and in-depth analysis of Upstart Holdings
Our stock analysis for Upstart Holdings stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Upstart Holdings. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.