Added to YB: 2026-01-21
Pitch date: 2026-01-19
UPST [bullish]
Upstart Holdings, Inc.
-32.99%
current return
Author Info
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Company Info
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States.
Market Cap
$3.0B
Pitch Price
$45.74
Price Target
120.30 (+292%)
Dividend
N/A
EV/EBITDA
36.25
P/E
67.69
EV/Sales
3.95
Sector
Consumer Finance
Category
growth
The AI Application Layer: The Disruptors - Upstart Holdings, Inc.
UPST: AI-driven lending platform targeting $3T TAM, replacing FICO with ML to approve 44% more borrowers. Trump's 10% credit card cap could be bullish (banks exit risky lending) or bearish (if applies to all consumer credit). 2026: 23% rev growth, 43% EBITDA growth, 26% margin. Trading 5x fwd rev vs historical 10x+. Target $15B EV by FY29 = 2.5x upside.
Read full article (2 min)