Upstart Holdings, Inc. (UPST)
Financials · NMS
Price as at 1 Oct 2026, 03:19 UTC. Quotes are delayed.
Fundamentals
Valuation and ratings
Upstart Holdings, Inc. trades at $22.99, which is 31% above the $15.79 our fair value estimate puts on the business. On that measure it screens as expensive, which is not the same as saying it will fall.
Our moat model scores it 44 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 77.0 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
UPST earnings and analyst estimates
Recommendation mix, 15 published ratings
Estimates are the published analyst consensus and move often. An earnings date is scheduled, not certain, and a share tends to reprice most violently on the day itself.
About Upstart Holdings, Inc.
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.
Company profile, industry and headcount are as reported by our data provider and can lag a company's own filings by a reporting period. The annual report is the authority.
UPST passes 1 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Super investor ownership
8 of the funds we track reported a position in their latest SEC 13F filing. Largest first:
- Marshall Wace, MARSHALL WACE, LLP$83.99M · 0.1% of book
- Baillie Gifford, BAILLIE GIFFORD & CO$38.38M · 0.0% of book
- Ken Griffin, CITADEL ADVISORS LLC$33.86M · 0.0% of book
- Steve Cohen, Point72 Asset Management, L.P.$31.36M · 0.0% of book
- Philippe Laffont, COATUE MANAGEMENT LLC$30.86M · 0.1% of book
A word of warning on reading these figures: a 13F reports the market value of a holding, so a fund that traded nothing at all still appears to have sold when the price fell. We found 102 companies where the standard reading gives the opposite answer. Only the share count is honest.
Politician trades in UPST
Trades in UPST disclosed by members of Congress and executive-branch officials, latest first:
- Tony Wied · HouseSell · $15,001 - $50,000 · traded 14 Aug 2026 · disclosed 2 Sept 2026
- Tony Wied · HouseBuy · $15,001 - $50,000 · traded 14 Jul 2026 · disclosed 18 Aug 2026
- Tony Wied · HouseSell · $15,001 - $50,000 · traded 9 Jun 2026 · disclosed 24 Jul 2026
- Donald J Trump · Executive branchBuy · $15,001 - $50,000 · traded 22 May 2026 · disclosed 1 Jul 2026
A disclosure reports a value band, not an amount, and is due up to 45 days after the trade; some arrive later. Every filer we track, each with their own page, is on the Congress trading tracker.
UPST peers
The largest companies in the same industry (Credit Services), then in the same sector.
- V Visa Inc.
- AFRM Affirm Holdings, Inc.
- OMF OneMain Holdings, Inc.
- BFH Bread Financial Holdings, Inc.
- EZPW EZCORP, Inc.
- AGM-A Federal Agricultural Mortgage Corporation
- QFIN Qfin Holdings, Inc.
- OPFI OppFi Inc.
Every financials company we cover is on the Financials hub.
Common questions
Is Upstart Holdings, Inc. (UPST) undervalued?
Against our fair value estimate of $15.79, UPST at $22.99 is 31% above fair value. That is one model's answer, not a recommendation. It is built from normalized earning power with growth capped deliberately low, which understates companies whose value is mostly future growth.
Which funds own UPST?
8 of the institutions we track reported a position in UPST in their most recent SEC 13F filing. A 13F is filed up to 45 days after quarter end, so it tells you what a fund held then, not what it holds now.
What is UPST's P/E ratio?
UPST trades at 77.0 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Where does SteadyShares get its UPST data?
Fundamentals for UPST come from company filings and exchange data, as listed on NMS; institutional ownership comes from SEC 13F filings. The share price shown was last refreshed on 1 Oct 2026, 03:19 UTC and is delayed. Our data quality score for this company is 92/100, which is the share of the inputs behind our scores that were actually available rather than assumed. Metrics we do not hold are left out of the page rather than estimated.
The full research page for UPST, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.
Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.