Upstart Holdings, Inc. (UPST)
Finance Services · Financial Services · $3.1B
Intrinsic Value (Consensus)
$7.52
Current Price
$32.24
Margin of Safety
-76.7%
76.7% Above Intrinsic Value
Value: $8
Price: $32
Valuation Model Estimates
Current Price: $32.24
DCF (Discounted Cash Flow)
Not applicable
—
Graham Number
$9.19
Earnings Power Value
$4.37
Relative Value (P/E)
$9.00
Dividend Discount Model
Not applicable
—
Consensus Value
$7.52
Model Assumptions
Discount Rate
10.3%
Growth Rate
5.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
D
42
Profitability
15/25
Strength
7/25
Valuation
7/25
Growth
13/25
Financial Health Signals
Negative free cash flow — company is burning cash
Key Financials
- EPS (TTM)
- $0.45
- EPS (Forward)
- $0.47
- Book Value
- $8.35
- P/E Ratio
- 20.0
- Forward P/E
- 19.0
- PEG Ratio
- —
- ROE
- 6.7%
- Debt/Equity
- —
- Revenue Growth
- 13.2%
- Earnings Growth
- 5.0%
- Dividend Yield
- N/A
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance