Financial - Credit Services · NASDAQ
Current Price
$26.36
Intrinsic Value
Use the calculator below to estimate
Run a full DCF analysis on Upstart Holdings, Inc. with auto-filled fundamentals, adjustable assumptions, and sensitivity heatmap.
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform aggregates consumer demand for loans and connects it to its network of the company's AI-enabled bank partners. The company was founded in 2012 and is headquartered in San Mateo, California.
ROIC (TTM)
2.0%
ROE (TTM)
7.3%
FCF Yield
-6.43%
Based on trailing twelve-month data, UPST shows a free cash flow per share of N/A and a ROIC of 2.0%, key inputs for stock valuation using the DCF method. The P/FCF ratio of N/A and FCF yield of -6.43% are important context metrics when evaluating UPST's stock valuation relative to peers.
The intrinsic value of UPST depends on your assumptions about future growth rate, discount rate (WACC), and terminal value. Use MiniValuator's free DCF stock valuation calculator to estimate it with your own assumptions and see the sensitivity analysis heatmap.
Whether UPST is undervalued depends on your DCF assumptions. If the calculated intrinsic value is significantly above the current market price, it may be undervalued. The margin of safety indicates the degree of undervaluation. Run a full stock valuation on MiniValuator to find out.
You can value UPST using MiniValuator's DCF stock valuation calculator: enter the ticker, review auto-filled fundamentals, adjust growth rate and discount rate assumptions, then get an instant intrinsic value with sensitivity heatmap.
DCF (Discounted Cash Flow) stock valuation estimates a company's intrinsic value by discounting projected future free cash flows back to their present value. For UPST, you input expected growth rates and a discount rate (WACC), and the model calculates what the stock should be worth today based on its future cash generation.
WACC (Weighted Average Cost of Capital) is the discount rate used in UPST stock valuation. A higher WACC lowers the intrinsic value estimate, while a lower WACC raises it. Use MiniValuator's sensitivity heatmap to see how different WACC assumptions impact the UPST DCF valuation result.
