Upstart Holdings Inc Dossier
Valuation
How Intrinsic Value compares with model outputs
Intrinsic Value $30.93median of 2 methodsbased on filings through 30 Jun 2026
Market Price $22.99Price as of 30 Sep 2026
Valuation methods vs. Market Price
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DCF
Insufficient data for this method
abstainedDNI
$18.67
P/S
$58.81◇ $78.61
P/E
$29.04◇ $19.02
P/B
$32.81◇ $24.14
PEG
$18.13
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Market Price ($22.99) Intrinsic Value ($30.93) peer-implied value
Company vs. peer median Members
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Assumptions
| Parameter | Value |
|---|---|
| Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 5.0% (near-term consensus, capped) · years 2–5: 25.6%/yr (balance of the path). | 21.2% per year |
Years 6–10: glide to demonstrated growthPer-year ratesYr 622.1%Yr 718.5%Yr 815.0%Yr 911.4%Yr 107.9% | 25.6% → 7.9% |
Years 11–20: glide to long-run ratePer-year ratesYr 117.4%Yr 126.9%Yr 136.4%Yr 145.9%Yr 155.4%Yr 164.9%Yr 174.5%Yr 184.0%Yr 193.5%Yr 203.0% | 7.9% → 3.0% |
| Beyond year 20: terminal growthPerpetual long-run rate | 3.0% |
| Historical EPS growth (multi-year median)median of 1 window (5y) (limited history) | 7.9% |
| Discount rate (cost of equity) | 12.9% |
| Volatility vs market (adjusted beta) | 1.78 |
Valuation Detail Members
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Assumptions Sandbox Members
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Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.