Upstart Holdings Inc
NASDAQ:UPST

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Upstart Holdings Inc
NASDAQ:UPST
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Price: 67.98 USD -5.62% Market Closed
Market Cap: 6.2B USD
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Upstart Holdings Inc
Tax Provision

Last Value
3-Years 3-Y CAGR
5-Years 5-Y CAGR
10-Years 10-Y CAGR
Quarterly
Annual
TTM
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Upstart Holdings Inc
Tax Provision Peer Comparison

Competitors Analysis
Latest Figures & CAGR of Competitors

Company Tax Provision CAGR 3Y CAGR 5Y CAGR 10Y
Upstart Holdings Inc
NASDAQ:UPST
Tax Provision
-$107k
CAGR 3-Years
36%
CAGR 5-Years
N/A
CAGR 10-Years
N/A
Synchrony Financial
NYSE:SYF
Tax Provision
-$954m
CAGR 3-Years
9%
CAGR 5-Years
4%
CAGR 10-Years
2%
Discover Financial Services
NYSE:DFS
Tax Provision
-$1.3B
CAGR 3-Years
4%
CAGR 5-Years
-9%
CAGR 10-Years
1%
American Express Co
NYSE:AXP
Tax Provision
-$2.8B
CAGR 3-Years
-4%
CAGR 5-Years
-10%
CAGR 10-Years
1%
Capital One Financial Corp
NYSE:COF
Tax Provision
-$1B
CAGR 3-Years
32%
CAGR 5-Years
1%
CAGR 10-Years
7%
SoFi Technologies Inc
NASDAQ:SOFI
Tax Provision
$416k
CAGR 3-Years
-84%
CAGR 5-Years
-15%
CAGR 10-Years
N/A
No Stocks Found

Upstart Holdings Inc
Glance View

Market Cap
6.2B USD
Industry
Financial Services
Economic Moat
None

Upstart Holdings Inc. is a company that has positioned itself at the intersection of artificial intelligence and consumer finance, reshaping how personal lending is traditionally approached. Founded in 2012 by former Google executive Dave Girouard, along with Anna Counselman and Paul Gu, Upstart embarked on a mission to transform the lending process through technology-driven efficiencies. The firm employs complex AI algorithms to underwrite consumer loans, diverging from the traditional FICO score-focused evaluations. This AI-based model considers a broader spectrum of data points – such as education, employment history, and other personal data – to assess a borrower’s creditworthiness. As a result, Upstart aims to expand access to affordable credit for more borrowers, positioning itself as an innovative alternative in the competitive fintech landscape. The company's primary revenue streams are derived from the fees it earns for arranging loans for its bank and credit union partners, as well as platform fees paid by these financial institutions to leverage Upstart's sophisticated AI models. Upstart does not retain the credit risk of these loans but instead facilitates the lending process, acting as a technological intermediary. This model allows partner banks to lower default rates and offer more competitive interest rates, benefiting borrowers and lenders alike while enabling Upstart to grow its footprint without assuming direct financial liability. By advancing its AI capabilities and continuously expanding its partner network, Upstart seeks to solidify its role in the digital lending ecosystem, harnessing innovation to drive more inclusive access to credit.

UPST Intrinsic Value
42.21 USD
Overvaluation 38%
Intrinsic Value
Price

See Also

What is Upstart Holdings Inc's Tax Provision?
Tax Provision
-107k USD

Based on the financial report for Dec 31, 2023, Upstart Holdings Inc's Tax Provision amounts to -107k USD.

What is Upstart Holdings Inc's Tax Provision growth rate?
Tax Provision CAGR 3Y
36%

The average annual Tax Provision growth rates for Upstart Holdings Inc have been 36% over the past three years .

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