What is UPST's health score?

Upstart Holdings, Inc. (UPST) has a TradeApes health score of 32 out of 100, rated Weak. This composite score evaluates financial strength, operating trends, valuation, capital allocation, and risk factors.

What is UPST's estimated fair value?

Based on our 5-year discounted cash flow model, Upstart Holdings, Inc.'s estimated fair value is $N/A per share. This is a model estimate, not a price target or investment recommendation.

Is UPST undervalued or overvalued?

Our model currently rates UPST as Overvalued. This assessment combines health metrics, valuation multiples, and market sentiment. Individual investors should conduct their own due diligence.

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Upstart Holdings, Inc. (UPST)

Financials Overvalued medium weak

$31.59

Updated: 2026-07-15

TradeApes Score

Financial Strength

0 Stressed

Operating Trend

50 Mixed

Relative Value

28 Stressed

Capital Allocation

30 Weak

Risk Management

80 Strong

Key Findings

+ Below historical median — trading below its own valuation average

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− Very high leverage — net debt/EBITDA above 5×

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TradeApes provides financial data, analytics, and research tools. TradeApes is not a registered investment adviser, broker-dealer, or tax advisor. The information presented is for educational and informational purposes only and does not constitute investment, financial, or tax advice.

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