Upstart Holdings Inc (UPST) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Upstart Holdings Inc stock (UPST) is currently trading at $26.60. Upstart Holdings Inc PE ratio is 57.73. Upstart Holdings Inc PS ratio (Price-to-Sales) is 2.37. Analyst consensus price target for UPST is $48.50. WallStSmart rates UPST as Underperform.
- UPST PE ratio analysis and historical PE chart
- UPST PS ratio (Price-to-Sales) history and trend
- UPST intrinsic value — DCF, Graham Number, EPV models
- UPST stock price prediction 2025 2026 2027 2028 2029 2030
- UPST fair value vs current price
- UPST insider transactions and insider buying
- Is UPST undervalued or overvalued?
- Upstart Holdings Inc financial analysis — revenue, earnings, cash flow
- UPST Piotroski F-Score and Altman Z-Score
- UPST analyst price target and Smart Rating
Upstart Holdings Inc
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UPST Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Upstart Holdings Inc (UPST)
UPST trades 57% above its Graham fair value of $21.06, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Upstart Holdings Inc (UPST) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in revenue growth, eps growth, institutional own.. Concerns around return on equity and operating margin. Fundamentals are solid but monitor weak areas for improvement.
Upstart Holdings Inc (UPST) Key Strengths (4)
Revenue surging 34.40% year-over-year
Earnings per share surging 209.10% year-over-year
68.74% held by institutions, strong professional interest
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Upstart Holdings Inc (UPST) Areas to Watch (5)
Very thin margins with limited operational efficiency
Very thin margins, barely profitable
Low profitability relative to shareholder equity
Premium pricing at 3.1x book value
Revenue is fairly priced at 2.37x sales
Supporting Valuation Data
Upstart Holdings Inc (UPST) Detailed Analysis Report
Overall Assessment
This company scores 51/100 in our Smart Analysis, earning a C- grade. Out of 9 metrics analyzed, 4 register as strengths (avg 8.8/10) while 5 fall into concern territory (avg 3.4/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Revenue Growth, EPS Growth, Institutional Own.. Growth metrics are encouraging with Revenue Growth at 34.40%, EPS Growth at 209.10%.
The Bear Case
The primary concerns are Operating Margin, Profit Margin, Return on Equity. Some valuation metrics including Price/Sales (2.37), Price/Book (3.08) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 7.49%, Operating Margin at 8.88%, Profit Margin at 4.98%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Operating Margin improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 7.49% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 34.40% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Revenue Growth, EPS Growth) and negatives (Operating Margin, Profit Margin). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
UPST Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
UPST's Price-to-Sales ratio of 2.37x sits near its historical average of 2.49x (0th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 9% below its historical high of 2.61x set in Mar 2026, and 0% above its historical low of 2.37x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Upstart Holdings Inc (UPST) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
Upstart Holdings Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 1.1B with 34% growth year-over-year. Profit margins are strong at 498.0%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 34% YoY, reaching 1.1B. This pace significantly outperforms most CREDIT SERVICES peers.
ROE of 749.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can Upstart Holdings Inc maintain 34%+ revenue growth, or will competition slow it down?
Valuation compression risk at a P/E of 57.7x. Any growth miss could trigger a sharp correction.
Volatility is elevated with a beta of 2.19, so expect amplified moves relative to the broader market.
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact Upstart Holdings Inc.
Bottom Line
Upstart Holdings Inc offers an attractive blend of growth (34% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(25 last 3 months)
| Insider | Type | Shares |
|---|---|---|
MIRGORODSKAYA, NATALIA See Remarks | Sell | -390 |
| Insider | Type | Shares |
|---|---|---|
MIRGORODSKAYA, NATALIA See Remarks | Sell | -866 |
Data sourced from SEC Form 4 filings
Last updated: 8:22:22 AM
About Upstart Holdings Inc(UPST)
NASDAQ
FINANCIAL SERVICES
CREDIT SERVICES
USA
Upstart Holdings, Inc. operates a cloud-based artificial intelligence (AI) lending platform. The company is headquartered in San Mateo, California.