UPST — Upstart Holdings Inc
NASDAQ · Financial Services · Financial Services
- Latest Close
- $33.2
- 30-Day Move
- -32.0%
- Market Cap
- $2.6B
- Shares Outstanding
- 94,870,000
- P/E Ratio
- 48.66
- P/B Ratio
- 5.33
Upstart Holdings Inc
A read-only Alphactor snapshot for Upstart Holdings Inc. It uses the same research structure as the app, but with delayed data and shallow depth so search visitors can evaluate the stock before signing up.
Snapshot as of 2026-04-21
Topline snapshot
Latest Close
$33.2
30-Day Move
-32.0%
Market Cap
$2.6B
Shares Outstanding
94,870,000
P/E Ratio
48.66
P/B Ratio
5.33
$33.20
-32.0%last 90 delayed daily bars
90D High
$52.10
90D Low
$23.96
Avg Volume
5,026,320
Gross margin is running at 82.0%, which gives a quick read on operating quality before you open the full model.
Net margin is 5.1%, useful for comparing UPST against peers in Financial Services.
UPST is down 32.0% over the last 30 trading days shown on this page.
Composite Fair Value
$41.39
Rule of 40
46.6%
Latest Close
$33.2
30-Day Move
-32.0%
Market Cap
$2.6B
Shares Outstanding
94,870,000
P/E Ratio
48.66
P/B Ratio
5.33
ROE
6.7%
ROA
1.8%
Gross Margin
82.0%
Operating Margin
4.8%
Net Margin
5.1%
Debt / Equity
2.29
Current Ratio
2.15
Latest Revenue
$276M
Revenue
$276M
Gross Profit
--
Operating Income
--
Net Income
$19M
Gross Margin
8195.0%
Net Margin
513.0%
Current Ratio
2.15
Debt / Equity
2.29
Fair Value
$41.39
Upside / Downside
+24.7%
Signal
Undervalued
Implied Growth
--
EV/Rev
$41.39
Growth Assumption
6.9%
Discount Rate
9.9%
Terminal Growth
2.0%
Base FCF
--
Valuation spread
After signup
The full valuation workspace goes deeper
Adjust DCF growth, discount, and terminal assumptions instead of relying on one static snapshot.
Open the deeper balance-sheet and cash-flow views to inspect debt, liquidity, and cash generation line by line.
Compare multiple valuation models against peers and save your own thesis instead of re-reading a fixed public state.
Negative FCF — company is cash-flow negative. Reverse DCF requires positive cash flows.
Altman Z
0.90
Distress
Piotroski
3
Weak (0-3)
Cash Conversion
-2.76x
Rule of 40
46.6%
Strong
Annual performance mix
| Period | Revenue | Operating Income | Net Income | Free Cash Flow |
|---|---|---|---|---|
| 2022-12-31 | $838M | -- | $-109M | $-681M |
| 2023-12-31 | $508M | -- | $-240M | $-124M |
| 2024-12-31 | $629M | -- | $-129M | $176M |
| 2025-12-31 | $1.0B | -- | $54M | $-166M |
After signup
The app opens the full statement deep dive
Extend the history well beyond this public snapshot to inspect longer cycles and regime changes.
Move from summary lines into detailed balance-sheet and cash-flow rows for working capital, debt, and capex analysis.
Cross-link statement changes with alerts, watchlists, and saved research workflows after signup.
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For informational and educational purposes only. Not financial advice. Learn more
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