UPST Fair Value Estimate
$74.91159.7% undervalued
Blended fair value estimate based on DCF, Graham Number, and earnings-based models.
Upstart Holdings Inc
Exchange: NASDAQSector: Financial ServicesIndustry: Credit Services
Upstart Holdings Inc
Current Price
$28.84
+2.71%GoodMoat Value
$74.91
159.7% undervaluedProfile
Valuation (TTM)
Market Cap$2.83B
P/E57.25
EV—
P/B3.54
Shares Out98.06M
P/Sales2.48
Revenue$1.14B
EV/EBITDA52.03
Upstart Holdings Inc (UPST) Valuation
UPST Valuation Metrics
FCF$-166.13M
FCF Growth Rate—
EPS Growth (CAGR)50.00%
WACC10.00%
Fair Value Models
Graham Number, PEG-based, and Earnings-based models
View Fair Value →UPST Valuation & Fair Value Analysis
Upstart Holdings Inc (UPST) valuation analysis using multiple fair value methodologies. GoodMoat calculates a blended fair value target using discounted cash flow (DCF) analysis, the Graham Number, and earnings-based valuation models.
The GoodMoat Fair Value target for Upstart Holdings Inc is $74.91. The current stock price is $28.84, suggesting the stock is 159.7% undervalued.
The price-to-earnings (P/E) ratio is 57.25. Price-to-book ratio is 3.54. Price-to-sales ratio is 2.48. Enterprise value to EBITDA is 52.03. PEG ratio is 0.43.
GoodMoat's valuation models include the Graham Number (based on EPS and book value), an earnings-based model (discounted future EPS), and a PEG-adjusted valuation. The three models are averaged to produce a blended fair value estimate. Use these tools alongside the DCF calculator and reverse DCF to form a comprehensive view of Upstart Holdings Inc's intrinsic value.