Price History
Feb 9, 2026 — May 17, 2026Investment Snapshot
- Trading 313% above Graham Number — above intrinsic value estimate
- Piotroski F-Score 3/9 — signs of financial weakness
- ROE of 3.9% — below-average profitability
- Revenue growing at 64% annually
Upstart Holdings, Inc. - Common stock (UPST) is a Financial Services company operating in Finance Services, listed on the NASDAQ , with a market capitalisation of $2.8 billion . Key value metrics: P/E ratio 99.7, P/B ratio 3.85, Piotroski F-Score 3 out of 9 .
Value Score
Key Metrics
Current vs 5-Year Average
Based on 5 years of SEC filingsRevenue & Net Income
Financial Statements
| Metric | FY22 | FY23 | FY24 |
|---|---|---|---|
| Revenue | $X.XB | $X.XB | $X.XB |
| Gross Profit | $X.XB | $X.XB | $X.XB |
| Operating Income | $X.XB | $X.XB | $X.XB |
| Net Income | $X.XB | $X.XB | $X.XB |
| EBITDA | $X.XB | $X.XB | $X.XB |
| Total Assets | $X.XB | $X.XB | $X.XB |
| Total Liabilities | $X.XB | $X.XB | $X.XB |
Upstart Holdings, Inc. - Common stock — Fundamental Analysis Summary
Upstart Holdings, Inc. - Common stock (UPST) is currently trading 313% above its Graham Number of $7.14, suggesting the market price exceeds Benjamin Graham's intrinsic value estimate. The stock carries an elevated trailing P/E ratio of 99.7x.
On financial health, UPST shows a weak Piotroski F-Score of 3/9, a signal of deteriorating financial health, and modest return on equity of 3.9% (sector average: 4.9%), and high leverage with a debt-to-equity ratio of 2.72.
StockPik's composite Value Score for UPST is 39/100 — reflecting current market or financial concerns. The score is built from ten fundamental signals: P/E, P/B, PEG ratio, P/S ratio, return on equity, gross margin, debt-to-equity, current ratio, dividend yield, and Piotroski F-Score.
UPST shows revenue growing at 64% year-over-year, with earnings growing at 142%.