Openbookopenbook
Equity
UPST
+0.0 · +0.00%
USD · NASDAQ

Upstart Holdings Inc(UPST) Stock Analysis | Financial Services

USD --+0.00%
Reward57Moderate
Risk80High
75%Data
Thin 5% profit margin · Revenue growing 42% YoY
Profitless Growth
Market Cap:2.83Bn
ⓘ
Reward Rating
57
Moderate
Reward Assessment
75% data coverage
Top 50% of stocksView factors
ⓘ
Risk Rating
80
High
Risk Assessment
7 metrics flaggedView details

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

Educational tool only · More
Limited data coverage
We don't have enough public data on UPST to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
New listing — limited trading history
Fundamental and analyst data are available for UPST, but momentum and volatility metrics will develop as more trading history accumulates (0 trading sessions so far).
Not available yet for this stock
The overview tab requires data we don't have for this stock yet. The price chart is the most reliable view we have — try the Chart tab.
Earnings Ex-dividend

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

Analyst Target

Analyst consensus price target: $40.60.

What is Upstart Holdings Inc?

, together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States.

UPST · Verdict

Solid reward · high risk

UPST's standout is growth; volatility and balance sheet weigh on the picture.

Based on 88% data coverage

UPST · Verdict

What’s working & what to watch

Strengths 1

  • Growth76/100

    Revenue +8.5% CAGR

Watchouts 4

  • Volatility5/100

    Weak vs peers

  • Balance sheet22/100

    Interest covered 1.1×

  • Valuation30/100

    P/E 46.9× · PEG 0.96

  • Cash flow30/100

    -15% free-cash-flow margin

Model-based scoring. For information only — not financial advice.

What is 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. The company is listed on the NASDAQ in USA, operating in the Financial Services sector, with a market capitalisation of 2.83B, and a P/E ratio of 55.9x.

Financial Highlights

Investment Breakdown

Growth
Revenue and earnings growing steadily, indicating improving operating performance.
Profitability
Profitability metrics are mixed — margins may be under pressure.
Risk
Elevated volatility implies higher downside and expectation risk.
Valuation
Premium valuation reflects strong growth expectations already priced in.

OpenBook Logo Analysis

Reward: Moderate (57)

The scoring profile indicates moderate reward potential, with growth and momentum as the leading contributors. Risk indicators are high — this profile reflects meaningful downside exposure.

For informational purposes only. Not financial advice.

Similar stocks to compare

A short list of Credit Services names that are close enough in size to make side-by-side comparison useful.

ZNKKYMid Cap / 2.9B market cap
Zenkoku Hosho Co Ltd ADR
Compare
FEZHFMid Cap / 3B market cap
Far East Horizon Limited
Compare
KGTHYMid Cap / 2.7B market cap
Krungthai Card Public Company Limited
Compare
Company Information
SectorFinancial Services
IndustryCredit Services
Market Cap2.83B
P/E Ratio55.9231
Dividend YieldN/A
Beta2.165
Insider Activity
12M windowMixed
Shares soldShares bought
0-3months
0
0
3-6months
0
0
6-9months
410,981 shares
$357k
0
9-12months
763,813 shares
$3.7M
1100,000 shares
$3.9M
openbook

Stock research for UK and US investors. Make smarter decisions, faster.

Questions? Email us at contact@openbookanalytics.com

© 2026 Openbook Analytics Ltd · Company No. SC843579 · Registered in Scotland

256-bit encryption GDPR compliant UK data centres

Openbook Analytics Ltd (Company No. SC843579) is registered in Scotland. Registered office: Strathclyde Inspire Hub, University of Strathclyde, Graham Hills Building (Level 6), 50 Richmond Street, Glasgow, G1 1XP. Openbook Analytics is not authorised or regulated by the Financial Conduct Authority (FCA). The content on this platform is provided for general informational and educational purposes only and does not constitute financial advice, investment advice, trading advice, or any other form of advice. You should not treat any content on this platform as a recommendation to buy, sell, or hold any financial instrument. Past performance is not a reliable indicator of future results. The value of investments and the income from them can go down as well as up, and you may get back less than you invest. User-generated content, including community posts and commentary, reflects the personal opinions of individual users, is not verified for accuracy, and does not represent the views of Openbook Analytics Ltd. You should always conduct your own research or consult a qualified, FCA-regulated financial adviser before making investment decisions. Data displayed on this platform may be delayed or inaccurate and is provided "as is" without warranty. Openbook Analytics Ltd accepts no liability for any loss arising from reliance on the information provided.