Upstart Holdings, Inc. (UPST)

$24.51

-1.03

(-4.03%)

Market is closed - opens 8 PM, 22 Feb 2024

Insights on Upstart Holdings, Inc.

  • Increasing Revenue

    Revenue is up for the last 2 quarters, 134.55M → 140.31M (in $), with an average increase of 4.1% per quarter

  • Decreasing Net Profit

    Netprofit is down for the last 3 quarters, -28.16M → -42.39M (in $), with an average decrease of 24.2% per quarter

  • Vs WMT

    In the last 3 years, Walmart Inc. has given 27.1% return, outperforming this stock by 98.6%

Performance

  • $24.24
    $25.05
    $24.51
    downward going graph

    1.1%

    Downside

    Day's Volatility :3.23%

    Upside

    2.16%

    downward going graph
  • $11.93
    $72.58
    $24.51
    downward going graph

    51.33%

    Downside

    52 Weeks Volatility :83.56%

    Upside

    66.23%

    downward going graph

Returns

PeriodUpstart Holdings, Inc.Sector (Financials)Index (Russel 2000)
3 Months
7.4%
12.5%
0.0%
6 Months
-23.4%
16.4%
0.0%
1 Year
37.68%
10.9%
-6.3%
3 Years
-66.84%
21.9%
-22.0%

Highlights

Market Capitalization
2.2B
Book Value
$7.36
Earnings Per Share (EPS)
-2.87
Wall Street Target Price
19.16
Profit Margin
-43.78%
Operating Margin TTM
-33.41%
Return On Assets TTM
-7.01%
Return On Equity TTM
-36.73%
Revenue TTM
548.5M
Revenue Per Share TTM
6.55
Quarterly Revenue Growth YOY
1.9%
Gross Profit TTM
665.3M
EBITDA
-196.7M
Diluted Eps TTM
-2.87
Quarterly Earnings Growth YOY
2.09
EPS Estimate Current Year
-0.53
EPS Estimate Next Year
0.17
EPS Estimate Current Quarter
-0.14
EPS Estimate Next Quarter
-0.02

Analyst Recommendation

Sell
    4%Buy
    40%Hold
    54%Sell
Based on 22 Wall street analysts offering stock ratings for Upstart Holdings, Inc.(by analysts ranked 0 to 5 stars)
Based on 22 analyst
  • Current
  • 1M Ago
  • 3M Ago
Buy
1
1
1
Hold
9
9
7
Sell
12
12
12

Analyst Forecast

What analysts predicted

Downside of 21.83%

Current $24.51
Target $19.16

Company Financials

FY18Y/Y Change
Revenue
99.3M
↑ 73.35%
Net Income
-11.2M
↑ 26.6%
Net Profit Margin
-11.3%
↑ 4.17%
FY19Y/Y Change
Revenue
164.2M
↑ 65.32%
Net Income
-5.0M
↓ 55.25%
Net Profit Margin
-3.06%
↑ 8.24%
FY20Y/Y Change
Revenue
233.4M
↑ 42.16%
Net Income
5.6M
↓ 211.14%
Net Profit Margin
2.39%
↑ 5.45%
FY21Y/Y Change
Revenue
848.6M
↑ 263.55%
Net Income
135.4M
↑ 2327.73%
Net Profit Margin
15.96%
↑ 13.57%
FY22Y/Y Change
Revenue
842.4M
↓ 0.72%
Net Income
-108.7M
↓ 180.23%
Net Profit Margin
-12.9%
↓ 28.86%
FY23Y/Y Change
Revenue
513.6M
↓ 39.04%
Net Income
-240.1M
↑ 120.98%
Net Profit Margin
-46.76%
↓ 33.86%
Q3 FY22Q/Q Change
Revenue
157.2M
↓ 31.09%
Net Income
-56.2M
↑ 88.22%
Net Profit Margin
-35.76%
↓ 22.67%
Q4 FY22Q/Q Change
Revenue
146.9M
↓ 6.56%
Net Income
-55.3M
↓ 1.71%
Net Profit Margin
-37.62%
↓ 1.86%
Q1 FY23Q/Q Change
Revenue
102.9M
↓ 29.94%
Net Income
-129.3M
↑ 133.89%
Net Profit Margin
-125.58%
↓ 87.96%
Q2 FY23Q/Q Change
Revenue
135.8M
↑ 31.91%
Net Income
-28.2M
↓ 78.21%
Net Profit Margin
-20.75%
↑ 104.83%
Q3 FY23Q/Q Change
Revenue
134.6M
↓ 0.89%
Net Income
-40.3M
↑ 43.14%
Net Profit Margin
-29.96%
↓ 9.21%
Q4 FY23Q/Q Change
Revenue
140.3M
↑ 4.28%
Net Income
-42.4M
↑ 5.17%
Net Profit Margin
-30.22%
↓ 0.26%
FY18Y/Y Change
Total Assets
645.9M
-
Total Liabilities
700.6M
-
FY19Y/Y Change
Total Assets
393.5M
↓ 39.08%
Total Liabilities
455.2M
↓ 35.03%
FY20Y/Y Change
Total Assets
477.3M
↑ 21.3%
Total Liabilities
177.0M
↓ 61.11%
FY21Y/Y Change
Total Assets
1.8B
↑ 281.44%
Total Liabilities
1.0B
↑ 472.52%
FY22Y/Y Change
Total Assets
1.9B
↑ 6.35%
Total Liabilities
1.3B
↑ 24.69%
FY23Y/Y Change
Total Assets
2.0B
↑ 4.19%
Total Liabilities
1.4B
↑ 9.35%
Q3 FY22Q/Q Change
Total Assets
1.9B
↓ 0.09%
Total Liabilities
1.2B
↑ 3.17%
Q4 FY22Q/Q Change
Total Assets
1.9B
↑ 1.08%
Total Liabilities
1.3B
↑ 5.59%
Q1 FY23Q/Q Change
Total Assets
1.8B
↓ 5.91%
Total Liabilities
1.2B
↓ 5.47%
Q2 FY23Q/Q Change
Total Assets
1.8B
↓ 3.18%
Total Liabilities
1.1B
↓ 5.77%
Q3 FY23Q/Q Change
Total Assets
2.0B
↑ 13.5%
Total Liabilities
1.4B
↑ 20.92%
Q4 FY23Q/Q Change
Total Assets
2.0B
↑ 0.77%
Total Liabilities
1.4B
↑ 1.53%
FY18Y/Y Change
Operating Cash Flow
50.3M
↑ 386.03%
Investing Cash Flow
-137.2M
↓ 65.12%
Financing Cash Flow
135.8M
↓ 67.1%
FY19Y/Y Change
Operating Cash Flow
31.6M
↓ 37.26%
Investing Cash Flow
45.4M
↓ 133.11%
Financing Cash Flow
-119.2M
↓ 187.79%
FY20Y/Y Change
Operating Cash Flow
15.7M
↓ 50.3%
Investing Cash Flow
136.5M
↑ 200.48%
Financing Cash Flow
79.1M
↓ 166.32%
FY21Y/Y Change
Operating Cash Flow
168.4M
↑ 972.52%
Investing Cash Flow
-143.9M
↓ 205.39%
Financing Cash Flow
855.4M
↑ 982.11%
FY22Y/Y Change
Operating Cash Flow
-674.7M
↓ 500.75%
Investing Cash Flow
-114.1M
↓ 20.68%
Financing Cash Flow
130.0M
↓ 84.8%
Q3 FY22Q/Q Change
Operating Cash Flow
-101.4M
↑ 88.96%
Investing Cash Flow
-24.2M
↑ 143.92%
Financing Cash Flow
41.1M
↓ 218.54%
Q4 FY22Q/Q Change
Operating Cash Flow
-252.9M
↑ 149.47%
Investing Cash Flow
-85.1M
↑ 251.01%
Financing Cash Flow
40.5M
↓ 1.43%
Q1 FY23Q/Q Change
Operating Cash Flow
-75.7M
↓ 70.05%
Investing Cash Flow
-25.9M
↓ 69.63%
Financing Cash Flow
21.0M
↓ 48.26%
Q2 FY23Q/Q Change
Operating Cash Flow
162.4M
↓ 314.43%
Investing Cash Flow
-38.5M
↑ 48.9%
Financing Cash Flow
-65.9M
↓ 414.01%

Technicals Summary

Sell

Neutral

Buy

Upstart Holdings, Inc. is currently not in a favorable trading position ( SELL ) according to technical analysis indicators.

Peers

Company Name1 Month6 Month1 Year3 Years5 Years
Upstart Holdings, Inc.
Upstart Holdings, Inc.
-29.13%
-23.4%
37.68%
-66.84%
-13.34%
Bank Of America Corp.
Bank Of America Corp.
4.33%
16.5%
-1.62%
-3.39%
15.94%
Walmart Inc.
Walmart Inc.
8.29%
11.65%
19.36%
27.72%
76.94%
Company NameP/E RatioP/B RatioPEG RatioEPSROEROADiv YieldBVPS
Upstart Holdings, Inc.
Upstart Holdings, Inc.
18.01
NA
NA
-0.53
-0.37
-0.07
NA
7.36
Bank Of America Corp.
Bank Of America Corp.
11.07
11.07
7.84
2.91
0.09
0.01
0.03
33.34
Walmart Inc.
Walmart Inc.
28.35
28.35
2.98
6.01
0.2
0.06
0.01
29.51
Company NameAnalyst ViewMarket Cap5 Years Return %PE RatioProfit Margin
Upstart Holdings, Inc.
Upstart Holdings, Inc.
Sell
$2.2B
-13.34%
18.01
-43.78%
Bank Of America Corp.
Bank Of America Corp.
Buy
$269.2B
15.94%
11.07
28.15%
Walmart Inc.
Walmart Inc.
Buy
$458.6B
76.94%
28.35
2.55%

Institutional Holdings

  • Vanguard Group Inc

    7.94%
  • BlackRock Inc

    5.82%
  • D. E. Shaw & Co LP

    3.26%
  • Morgan Stanley - Brokerage Accounts

    2.22%
  • State Street Corporation

    2.03%
  • Coatue Management LLC

    1.93%

Company Information

Upstart is a leading artificial intelligence (AI) lending platform that works with banks to increase access to affordable loans. Founded by ex-Google employees in 2012, Upstart is headquartered in San Mateo, California and Columbus, Ohio. More than two-thirds of Upstart's members are women. Upstart-powered banks may have higher approval rates and lower loss rates while delivering exceptional service. Loans are granted in a matter of seconds and are completely computerised. Upstart was one of the first companies to use artificial intelligence in the multibillion-dollar loan market. Upstart goes beyond the FICO score, employing non-traditional criteria at scale to improve loan performance and access to credit for individuals. To identify a potential borrower's creditworthiness, the lending company created an income and default prediction model. This means that, in addition to traditional underwriting criteria such as FICO scores, credit reports, and incomes, Upstart underwriting takes education variables into account. These include colleges attended, areas of study, GPAs, and standardised test scores. Upstart also considers a borrower’s work history to create a statistical model of their financial capacity and personal propensity to repay. While Upstart is now focused on the consumer sector in the United States, similar strategies can be used in any credit market. Currently Upstart Holdings, Inc. has a market cap of $2.26 Billion. It has a P.E ratio of -9.43. The shares of Upstart Holdings, Inc. are trading at $25.54. .

Organization
Upstart Holdings, Inc.
Employees
0
CEO
Mr. David J. Girouard
Industry
Financial Services

FAQs