Upstart Holdings (FRA:855) Operating Income

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:855 Upstart Holdings Inc FRA:855
57 GF Score
Price €28.03
GF Value €55.92
Valuation Possible Value Trap
! 5 Warning Signs
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What is Upstart Holdings Operating Income?

Operating Income does not apply to banks and insurance companies.

FRA:855
57GF Score
Upstart Holdings Inc FRA:855
Operating Income is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Upstart Holdings (FRA:855) Overvalued in 2026?

Based on GuruFocus' analysis, Upstart Holdings stock appears to be undervalued. The current stock price of €28.03 is trading 49.9% below its estimated GF Value™ of €55.92. GuruFocus considers Upstart Holdings to be Possible Value Trap.

Key valuation signals for FRA:855:

  • Operating Income:
  • GF Value™: €55.92 vs. price of €28.03 (49.9% below fair value)
  • GF Score™: 57/100 with 5 warning signs

No single metric tells the full story. See the FRA:855 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Upstart Holdings Business Description

Address 2950 South Delaware Street, Suite 410, San Mateo, CA, USA, 94403
Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners. The company support development of different lending product offerings, which are grouped into three operating segments - Personal Lending (unsecured personal loans and small dollar loans), Auto Lending (auto refinance, auto retail loans, and auto secured personal loans), and Other (HELOCs and other).
57GF Score

Get the complete analysis for FRA:855

Operating Income is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€28.03
Price
€55.92
GF Value