UPST
Upstart Holdings, Inc.Financial Services · $2.2B market cap
Verdict
Share price
$22.81
close of Oct 3, 2026
Fair value
$4.82
Sticker Price
Payback Price
$1.93
buy price
UPST is Overpriced: at $22.81 it trades 373% above its fair value of $4.82. Its buy price (Payback Price) is $1.93, 92% below today's price. Business quality is mixed: 2 of 5 key numbers clear the 10% bar.
How we valued it
Buffett Normalized. A profitable, growing business, so we project its earnings 10 years ahead and work out what that is worth today.
Business quality
2 of 5 clear the 10% bar. What are the Big Five?
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1 of the investors we track holds UPST. In Q2 2026, 1 added. Who we track
Moves in Q2 2026
Added: Howard Marks
Insider activity
Since Aug 17, 2026: 1 open-market purchase worth $1.3M, 10 sales worth $4.4M and 1 other filing (stock awards, tax withholding and similar). Why purchases matter
Purchases
Sales
Datta Sanjay
President, Capital& Enterprise · 2026-09-08
Sold
$3.2M
Mirgorodskaya Natalia
See Remarks · 2026-08-25
Sold
$27K
Mirgorodskaya Natalia
See Remarks · 2026-08-20
Sold
$16K
Darling Scott
Chief Legal Officer · 2026-08-20
Sold
$216K
Datta Sanjay
President, Capital& Enterprise · 2026-08-20
Sold
$251K
Show all 10 salesShow fewer
Blankmeyer Andrea
Chief Financial Officer · 2026-08-19
Sold
$88K
Datta Sanjay
President, Capital& Enterprise · 2026-08-19
Sold
$315K
Blankmeyer Andrea
Chief Financial Officer · 2026-08-17
Sold
$211K
Darling Scott
Chief Legal Officer · 2026-08-17
Sold
$24K
Datta Sanjay
President, Capital& Enterprise · 2026-08-17
Sold
$60K
Other filings
About Upstart Holdings, Inc.
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart…
Financial - Credit Services
Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works