Upstart Holdings Inc
NASDAQ:UPST
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Upstart Holdings Inc
NASDAQ:UPST
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US |
Intrinsic Value
The intrinsic value of Upstart Holdings Inc (UPST) under the Base Case is 76.334 USD per share.
Compared with the current market price of 24.735 USD, the stock appears
Undervalued by 68% .
The intrinsic value is calculated using the DCF method.
Do our valuations actually work? See backtest results .
Cheap or expensive for this stock?
This block shows whether today’s valuation is cheap or expensive compared with the stock’s own history, and what happened after similar valuations in the past.
We compare the gap between the stock’s price and our estimated value over time.
- Undervalued can still be historically expensive. The stock may trade below our estimated value, but usually offer an even bigger discount.
- Overvalued can still be historically cheap. The stock may trade above our estimated value, but usually carry an even higher premium.
Market expectations can differ from our model, which may not fully capture everything affecting the price. That is why some stocks regularly trade above our estimated value and others below it.
The scale and chart show how today’s valuation compares with the past. The cards summarize past returns and waiting times until the stock stopped being cheap or expensive. This can happen because the price changed, our estimated value changed, or both.
Only completed periods are included. These are past results, not forecasts. The usual historical range does not necessarily mean fair value.
Fundamental Analysis
What Upstart Does
Upstart Holdings runs an online lending platform that helps banks and credit unions approve personal loans, auto loans, and home equity loans. Instead of acting like a traditional lender that holds most of the credit risk itself, Upstart uses software and data models to help its partners decide which borrowers to fund. Its core product is the technology and workflow that sits between borrowers looking for loans and financial institutions that want to make them.
- Headquarters
- United States of America US
- Employees
- 1 405
- IPO date
- Dec 16, 2020
Upstart Holdings has no economic moat
Upstart Holdings Inc lacks an economic moat, leaving it vulnerable to competitive pressures and market challenges.
Read the full moat analysis
Revenue & Expenses Breakdown
Upstart Holdings Inc
Earnings Waterfall
Upstart Holdings Inc
The intrinsic value for Upstart Holdings Inc (UPST) under the Base Case is 76.334 USD.
Compared with the current market price of 24.735 USD, the stock appears Undervalued by 68% .