Added to YB: 2026-04-22
Pitch date: 2026-04-20
UPST [neutral]
Upstart Holdings, Inc.
-5.68%
current return
Author Info
No bio for this author
Company Info
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States.
Market Cap
$3.3B
Pitch Price
$35.20
Price Target
40.00 (+15%)
Dividend
N/A
EV/EBITDA
38.56
P/E
76.27
EV/Sales
4.20
Sector
Consumer Finance
Category
growth
Company Profile: Upstart Holdings (UPST)
UPST (overview): AI lending platform w/ 43% higher approval rates & 33% lower APRs vs traditional models. 2025: $11B originations (+86% YoY), $1B rev (+64%), $54M net income (5% margin), $230M adj EBITDA (22% margin), 91% loan automation. Expanding into auto (4x YoY) & HELOC (5x YoY). Risks: macro sensitivity, 83% volume from top 3 partners, AI model accuracy, regulatory scrutiny. PT $40.
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