UPST · Upstart Holdings, Inc.

AI-driven consumer lender; loan funding and credit cycle drive the stock.

Risiko 8/10 · HIGH · credit-cycle · $27.82 ▲ 1.20%

Kennzahlen

• Price $27.82
• Market cap $2.7B
• P/E (ttm) 67.85
• Div yield none
• 52-wk range $23.96 – $87.30

Wichtigste Risiken

• Consumer credit deterioration / rising defaults (All shareholders) — EXTREME
• Funding/capital-market access for loans (Operations) — EXTREME
• Rate sensitivity & demand for loans (Equity holders) — HIGH
• Model/regulatory scrutiny (fair-lending) (Long holders) — MED

Fazit

UPST is a leveraged play on the credit cycle and funding markets, where a recession or a funding freeze can crush volumes and the share price together.

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