Upstart Holdings Inc

Upstart Holdings Inc(UPST)股票分析

$22.740

-1.039 (-4.57%)收盤時

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最高
23.350
開盤
23.150
成交量加權均價
22.77
成交量
5.02M
市值
2.07B
最低
22.210
成交金額
114.32M
企業價值/稅息折舊攤銷前利潤(TTM)
24.37

Upstart Holdings, Inc. is an artificial intelligence (AI) lending marketplace. The Company’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit (HELOCs), and small dollar loans. It applies artificial intelligence models and cloud applications to the process of underwriting consumer credit. Its AI marketplace connects consumers with its lending partner. Its consumers can access Upstart-powered loans via Upstart.com, through a lender-branded product on its lending partners’ own websites, and through auto dealerships that use its Upstart Auto Retail software. Its platform enables lenders provide a product their customers want, rather than letting customers seek loans from competitors. Its cloud-based software platform incorporates technologies and software development approaches to allow for development of new features, such as cloud-native technologies, data integrity and security, and configurable multi-tenant architecture, and others.

AI 分析 of Upstart Holdings Inc (UPST)

持有

Upstart Holdings Inc is not a strong buy at the moment. The current price is $24.1, with a forward P/E of 13.59, suggesting potential value, but the stock has declined 70% since last July, raising concerns about its future performance. Additionally, the RSI is at 52.45, indicating a neutral momentum, and while analysts have set a price target of $39.24, representing a 70% upside, the recent negative sentiment surrounding rising loan default risks poses a significant risk.

分析師評級(3)

上檔空間 +149.47%
賣出
0 買進
0 持有
3 賣出
目前: 22.74
最低
20.00
平均
56.73
最高
80.00

Loop Capital

2026-09-09

目標價

$34

持有

Citi

2026-07-22

目標價

$61

買進

Goldman Sachs

2026-07-09

目標價

$39

中性

Needham

2026-07-07

目標價

$40

買進

Morgan Stanley

2026-05-07

目標價

$35

Equal Weight

估值指標

Upstart Holdings Inc(UPST)目前預期本益比為 13.59,5 年平均預期本益比為 -199.01。

預期本益比

合理
5 年均值 P/E
-199.01
目前P/E
13.59
高估
744.90
低估
-1142.91

預期 EV/EBITDA

合理
5 年均值 EV/EBITDA
85.17
目前EV/EBITDA
24.37
高估
281.00
低估
-110.66

預期股價營收比

合理
5 年均值 P/S
4.80
目前P/S
1.25
高估
8.48
低估
1.13

Alphio AI 對 UPST 的價格情境

情境價格取自當年最後一個月度預測區間。機率為固定的模型權重(25 / 50 / 25),不構成保證。

樂

樂觀

樂觀 · 25%UPST

$65.54

情境價格

基

基準

基準 · 50%UPST

$61.48

情境價格

悲

悲觀

悲觀 · 25%UPST

$52.63

情境價格

持有 UPST 的大戶

C

Clear Street LLC

+ 持有UPST

+9.41%

3個月報酬率

G

GMT Capital Corp.

+ 持有UPST

+2.52%

3個月報酬率

事件時間軸

2026-10-07 (ET)

09:30:00

Credit Union of Denver Partners with Upstart

2026-10-05 (ET)

16:30:00

Nasdaq Rises Nearly 300 Points as Market Digests Jobs Report

12:30:00

Nasdaq Rises Nearly 200 Points, Led by Tech Stocks

08:00:00

Upstart Current UMI at 1.49, Down from 1.50 on September 3

2026-09-23 (ET)

09:30:00

Commonwealth Credit Union Expands Partnership with Upstart

資訊

UPST 常見問題 —— 由 Alphio AI 解答

Upstart Holdings, Inc. is an artificial intelligence (AI) lending marketplace. The Company’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit (HELOCs), and small dollar loans. It applies artificial intelligence models and cloud applications to the process of underwriting consumer credit. Its AI marketplace connects consumers with its lending partner. Its consumers can access Upstart-powered loans via Upstart.com, through a lender-branded product on its lending partners’ own websites, and through auto dealerships that use its Upstart Auto Retail software. Its platform enables lenders provide a product their customers want, rather than letting customers seek loans from competitors. Its cloud-based software platform incorporates technologies and software development approaches to allow for development of new features, such as cloud-native technologies, data integrity and security, and configurable multi-tenant architecture, and others. It operates in the Financials sector (FINANCE SERVICES industry).

Upstart Holdings Inc is not a strong buy at the moment. The current price is $24.1, with a forward P/E of 13.59, suggesting potential value, but the stock has declined 70% since last July, raising concerns about its future performance. Additionally, the RSI is at 52.45, indicating a neutral momentum, and while analysts have set a price target of $39.24, representing a 70% upside, the recent negative sentiment surrounding rising loan default risks poses a significant risk.

3 analysts cover UPST: 0 rate it Buy, 0 Hold and 3 Sell. The average price target is 56.73.

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