Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small dollar loans that connects consumer demand for loans to its to bank and credit unions. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.
Growth vs. Headwinds | Analyst targets range from $25 to $35, reflecting mixed views on Upstart's ability to navigate macroeconomic challenges and capitalize on new market segments |
Funding Evolution | Learn how Upstart's strategic shift towards a fee-based marketplace model and reduced on-balance sheet loans is reshaping its financial stability |
Financial Rollercoaste | Delve into Upstart's journey from losses to positive adjusted EBITDA, with revenue surpassing expectations amid ongoing profitability challenges |
AI-Driven Disruption | Explore Upstart's revolutionary AI lending platform, boasting a 90% automation rate and potential to redefine credit assessment in the fintech industry |
Metrics to compare | UPST | Sector Sector - Average of metrics from a broad group of related Financials sector companies | Relationship RelationshipUPSTPeersSector | |
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P/E Ratio | −30.9x | 5.2x | 8.8x | |
PEG Ratio | −0.83 | 0.02 | 0.03 | |
Price / Book | 8.7x | 2.6x | 1.0x | |
Price / LTM Sales | 8.6x | 1.6x | 2.8x | |
Upside (Analyst Target) | 26.1% | 26.9% | 18.5% | |
Fair Value Upside | Unlock | 9.9% | 4.3% | Unlock |