UPST — Upstart Holdings Inc

Financial · Credit Services · Applied AI: industrial, defense & vertical

About Upstart Holdings Inc

Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.

Applied AI: industrial, defense & vertical

These companies apply AI and autonomy to specific real-world domains — industrials, defense, space, robotics and other verticals. The link to AI runs through software, sensors, autonomy and the data these systems generate and analyze. Many are earlier-stage or project-driven, so results can be lumpy and tied to government budgets, contract timing and execution. Upstart Holdings Inc is tracked in this sub-theme as a Credit Services name — see the full Applied AI: industrial, defense & vertical list.

Key data · delayed ~15 min, as of 8 July 2026

Valuation read

What the price implies: a reverse-DCF on forward earnings ($3.44/sh) backs out roughly ~-4%/yr earnings growth — very low — the market prices near-flat or declining earnings; on cyclicals that's the cycle speaking. Run your own scenario in the fair-value calculator.

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