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Upstart is the leading artificial intelligence ( AI ) lending marketplace. We aim to radically reduce the cost and complexity of borrowing for all Americans by using our proprietary AI models to remake the entire lending process.
$29.51
$1.37 (-4.44%)
EOD Jul 17, 2026
Net margin is thin at 5.13%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue grew 64.0% YoY.
At 72x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.
72.0x earnings. Above the financial-sector median (~13x). The market is pricing in above-average returns or growth, any credit deterioration would compress the multiple quickly.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$1.14B
▲ +64.0% YoY
Net Income (TTM)
$49M
▲ +141.7% YoY
Net Margin
4.34%
P/E
72.0x
Balance Sheet
Total Assets
$2.96B
Equity
$733M
Total Debt
$18M
Cash & Equiv.
$473M
5Y CAGR: +34.9%
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At a P/E of 72.0, Upstart Holdings (UPST)'s valuation is best read against its own history, its peers, and the growth its price implies. A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Upstart Holdings scores 55/100 on Intrinsiqq's quality scorecard, weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full . This is analysis, not investment advice.
Upstart Holdings scores 55 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a mixed business on these measures. Recent fundamentals include a 3.5% operating margin and a 5.0% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. you should weigh UPST's valuation and scores 55/100 on quality (mixed). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.