Upstart Holdings' Fair Value Estimate Reaches $56.64 per Share Amid GenAI Hopes and Credit Risks

Upstart Holdings' fair value estimate has increased to $56.64 per share, with a discount rate adjustment to 8.94%. Analysts are optimistic about the company's GenAI-based underwriting and new credit union partnerships, but remain cautious about credit cycle risk and execution. The fair value estimate reflects a small adjustment, balancing optimism and ongoing questions about credit cycle risk and execution.