Is UPST or WLTH more undervalued in 2026?

CirclFi compares Upstart Holdings, Inc. (UPST) and Wealthfront Corporation (WLTH) using 13 institutional-grade valuation models. UPST has a Quality of Company score of 6.8/10 while WLTH scores 6.1/10.

Which is a better buy — UPST or WLTH?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do UPST and WLTH valuations compare?

UPST at $33.79 and WLTH at $12.22 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

UPST vs WLTH Valuation Comparison 2026 — Intrinsic Value Analysis

UPST

Finance Services

Upstart Holdings, Inc.

Quality

6.8

out of 10

Value Trap

SAFE

Price

$33.79

Last close

Models

12/13

Active

WLTH

Finance Services

Wealthfront Corporation

Quality

6.1

out of 10

Value Trap

—

Price

$12.22

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	UPST Fair Value	UPST Upside	WLTH Fair Value	WLTH Upside
Bayesian DCF	Intrinsic	$3.89	-88.5%	$12.58	+2.9%
Earnings Power Value	Intrinsic	$10.98	-67.5%	$25.52	+137.0%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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UPST vs WLTH — Which Stock Is More Undervalued?

UPST scores higher with a 6.8/10 quality rating vs WLTH's 6.1/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Upstart Holdings, Inc. (UPST) and Wealthfront Corporation (WLTH) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

UPST currently trades at $33.79 with a QOC of 6.8/10, while WLTH trades at $12.22 with a QOC of 6.1/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).