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• If you are wondering whether Upstart Holdings at around US$27.78 is a bargain or a value trap, you are not alone. A closer look at its valuation story can help you frame that question.

• The stock has recently shown mixed signals, with a 2.0% return over the last 7 days contrasting with a 26.7% decline over 30 days, a 39.4% decline year to date, and a 48.3% decline over 1 year, while the 3 year return stands at 79.1% and the 5 year return at a 52.1% decline.

• These sharp swings have kept Upstart in focus, as investors reassess how its business model and risk profile fit into their portfolios. Even without a…