Is Upstart Holdings, Inc. (UPST) Undervalued?
The traditional Graham Number cannot be calculated for Upstart Holdings, Inc. (UPST) due to missing data. Consider using DCF or other valuation methods for a complete picture.
Analysis updated March 8, 2026
UPST Key Valuation Metrics
| Metric | Value | Signal |
|---|---|---|
| Current Price | $27.78 | — |
| Graham Number | N/A | — |
| P/E Ratio | N/A | Unprofitable |
| P/B Ratio | N/A | — |
| DCF Fair Value | N/A | — |
| Dividend Yield | N/A | N/A |
| 52-Week Range | $25.60 – $87.30 | Near 52-week low |
| Market Cap | N/A | Micro Cap |
| Sector | Financial Services | — |
How We Calculated UPST's Graham Number
The Graham Number, developed by Benjamin Graham (the father of value investing), estimates a stock's maximum fair price based on its earnings and book value.
Graham Number = √(22.5 × EPS × BVPS)
For Upstart Holdings, Inc. (UPST):
- Earnings Per Share (EPS): N/A
- Book Value Per Share (BVPS): N/A
UPST Dividend Profile
Upstart Holdings, Inc. does not currently pay a dividend. This is common for growth-oriented companies that reinvest earnings back into the business to fund expansion, R&D, or acquisitions.
💡 For investors seeking income, check our Dividend Aristocrats for stocks with 25+ years of consecutive dividend increases.
UPST Value Score: 0/10
Our proprietary value score rates Upstart Holdings, Inc. a 0 out of 10, placing it in the “Overvalued / Caution” category for value investors.
Score Components
Graham Number not available
P/E not available
P/B not available
DCF value not available
No dividend
Weak balance sheet metrics
Score methodology: How We Score Stocks
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Frequently Asked Questions About UPST
Is UPST undervalued right now?
Based on Graham Number analysis, UPST does not appear significantly undervalued as of March 8, 2026. The Graham Number of $N/A compared to the current price of $27.78 indicates a N/A% difference.
What is Upstart Holdings, Inc.'s intrinsic value?
Using our DCF model, Upstart Holdings, Inc.'s estimated intrinsic value is $N/A per share. The Graham Number suggests a fair value of $N/A.
What is the Graham Number for UPST?
The Graham Number for UPST is $N/A, calculated using EPS of $N/A and Book Value Per Share of $N/A. The formula is sqrt(22.5 x EPS x BVPS).
Does UPST pay a dividend?
No, Upstart Holdings, Inc. does not currently pay a dividend. The company reinvests earnings into growth.
Is UPST a good buy right now?
Our value score rates UPST a 0/10. The stock is in the "Overvalued / Caution" category. However, this is analysis — not financial advice. Consider your own risk tolerance, portfolio allocation, and investment timeline before making any decisions.
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About Upstart Holdings, Inc.
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.
Disclaimer: This analysis is for informational and educational purposes only and does not constitute financial advice, a recommendation, or a solicitation to buy or sell any security. Past performance does not guarantee future results. Always do your own research and consult a licensed financial advisor before making investment decisions. Data sourced from Financial Modeling Prep API and may be delayed. Last updated: March 8, 2026.