Upstart Holdings (UPST) Nears Earnings, Is The Stock Trading At A Discount?
Why Upstart Holdings Stock Just Drew Fresh Attention
Upstart Holdings (UPST) edged up to about $25 in the latest session after a 1.01% gain, as traders focused on the upcoming earnings report and its expected 15.38% year-over-year EPS increase.
Recent trading tells a mixed story for Upstart Holdings. The 1-day share price return of 0.93% comes after the stock fell 17.49% over 30 days and declined 45.46% year to date, while the 1-year total shareholder return is down 63.18%. As a result, short-term optimism sits against a longer period of fading momentum.
Compare Upstart Holdings’ recent volatility with a curated group of AI focused lenders and fintechs using the 38 profitable AI stocks that aren’t just burning cash as a starting universe.
Upstart Holdings has bounced off multi year lows, but the chart over 1 year still points sharply down. Does that small rebound justify stepping in now, or does waiting for a cheaper entry make more sense once the valuation work is clear?
Most Popular Narrative: 38% Undervalued
Upstart Holdings closed at $25, while the most followed narrative anchors fair value closer to $40.13, so the gap between price and thesis is wide and very visible.
Upstart’s HELOC product growth, driven by conversion improvements, cross-selling, and state expansion, is described as positioning the company for future revenue growth and margins, with the potential to leverage its relationships with banks and credit unions for cost-effective funding.
See why 142 investors see Upstart Holdings as 38% undervalued.
Result: Fair Value of $40.13 (UNDERVALUED)
Still, the Upstart Holdings story can unwind quickly if credit losses spike again or if funding partners pull back and restrict loan flow.
Find out about the key risks to this Upstart Holdings narrative.
Another Way To Look At Upstart Holdings’ Valuation
On earnings forecasts and DCF work, Upstart Holdings screens as undervalued, with the SWS DCF model putting future cash flow value around $68.78 per share against a $25 price. That is a big gap. The open question is whether the underlying cash flow path really supports that outcome.
Look into how the SWS DCF model arrives at its fair value.
Next Steps
Sentiment around Upstart Holdings is split. Move quickly to review the data yourself, weigh both sides, and see the 3 key rewards and 1 important warning sign.
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