Financhill
Sell
48

UPST Quote, Financials, Valuation and Earnings

Last price:
$62.96
Seasonality move :
5.13%
Day range:
$62.88 - $66.76
52-week range:
$20.60 - $88.95
Dividend yield:
0%
P/E ratio:
--
P/S ratio:
10.01x
P/B ratio:
9.64x
Volume:
4.4M
Avg. volume:
5.3M
1-year change:
102.7%
Market cap:
$5.7B
Revenue:
$508.1M
EPS (TTM):
-$1.93

Analysts' Opinion

  • Consensus Rating
    Upstart Holdings has received a consensus rating of Hold. The company's average rating is a Hold based on 3 Buy ratings, 6 Hold ratings, and 2 Sell ratings.
  • Price Target Downside
    According to analysts' consensus price target of $62.18, Upstart Holdings has an estimated downside of -1.24% from its current price of $62.96.
  • Price Target Upside
    According to analysts, the highest upside price target is $100.00 representing 58.83% upside increase from its current price of $62.96.

Fair Value

  • According to the consensus of 11 analysts, Upstart Holdings has -1.24% downside to fair value with a price target of $62.18 per share.

UPST vs. S&P 500

  • Over the past 5 trading days, Upstart Holdings has overperformed the S&P 500 by 5.96% suggesting its relative strength compared to the major market average is strong at this time.

Share Buyback

  • Upstart Holdings does not have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • Upstart Holdings has grown year-over-year revenues for 1 quarter straight. In the most recent quarter Upstart Holdings reported revenues of $162.1M.

Earnings Growth

  • Upstart Holdings has grown year-over-year earnings for 3 quarters straight. In the most recent quarter Upstart Holdings reported earnings per share of -$0.07.
Enterprise value:
6.2B
EV / Invested capital:
--
Price / LTM sales:
10.01x
EV / EBIT:
--
EV / Revenue:
11.19x
PEG ratio (5yr expected):
--
EV / Free cash flow:
65.31x
Price / Operating cash flow:
58.41x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
-8.78%
Net Income Margin (TTM):
-30.45%
Return On Equity:
-27.32%
Return On Invested Capital:
-10.61%
Operating Margin:
--
Trailing 12 Months Fiscal Quarters
Period Ending 2022-09-30 2023-09-30 2024-09-30 2023-09-30 2024-09-30
Income Statement
Revenue $998.4M $515.5M $552.4M $134.6M $162.1M
Gross Profit -- -- -- -- --
Operating Income -- -- -- -- --
EBITDA -- -- -- -- --
Diluted EPS -$0.10 -$3.07 -$1.93 -$0.48 -$0.07
Period Ending 2020-09-30 2021-09-30 2022-09-30 2023-09-30 2024-09-30
Balance Sheet
Current Assets $95.3M $1.1B $769.7M $600.1M $559.8M
Total Assets $309.8M $1.6B $1.9B $2B $1.8B
Current Liabilities $136M $151.5M $424.3M $604.6M $420.5M
Total Liabilities $357.1M $887M $1.2B $1.4B $1.2B
Total Equity -$47.3M $719.1M $718.6M $640.8M $595.5M
Total Debt $100.6M $649.2M $918.9M $1B $887.4M
Trailing 12 Months Fiscal Quarters
Period Ending 2022-09-30 2023-09-30 2024-09-30 2023-09-30 2024-09-30
Cash Flow Statement
Cash Flow Operations -$432.9M -$219M $102.9M -$107.7M $179.3M
Cash From Investing -$48.8M -$173.7M -$189.7M -$24.2M -$46.2M
Cash From Financing $139.9M $177.8M $127.6M $237.1M -$38M
Free Cash Flow -$456.6M -$234.4M $94.6M -$110.7M $176.8M
UPST
Sector
Market Cap
$5.7B
$675.6M
Price % of 52-Week High
70.78%
88.53%
Dividend Yield
0%
2%
Shareholder Yield
--
3.89%
1-Year Price Total Return
102.7%
9.76%
Beta (5-Year)
--
0.738
Dividend yield:
0%
Annualized payout:
$0.00
Payout ratio:
--
Growth streak:
0 years

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Technicals

8-day SMA
Buy
Level $60.18
200-day SMA
Buy
Level $41.28
Bollinger Bands (100)
Buy
Level 41.32 - 71.18
Chaikin Money Flow
Sell
Level -113.8M
20-day SMA
Sell
Level $64.01
Relative Strength Index (RSI14)
Sell
Level 46.66
ADX Line
Buy
Level 32.4
Williams %R
Neutral
Level -52.7406
50-day SMA
Sell
Level $69.30
MACD (12, 26)
Sell
Level -2.54
25-day Aroon Oscillator
Sell
Level -72
On Balance Volume
Sell
Level -49.3M

Financial Scores

Sell
Altman Z-Score (Annual)
Level (1.1348)
Sell
CA Score (Annual)
Level (-1.6094)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (10)
Sell
Ohlson Score
Level (2.0387)
--
Piotroski F Score (Annual)
Level (--)
--
Quality Ratio Score
Level (--)
Sell
Fundamental Score
Level (5)

Revenue Forecast

Earnings per Share Forecast

Company Profile

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. Upstart’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit and small dollar loans.

Stock Forecast FAQ

In the current month, UPST has received 3 Buy ratings 6 Hold ratings, and 2 Sell ratings. The UPST average analyst price target in the past 3 months is $62.18.

  • Where Will Upstart Holdings Stock Be In 1 Year?

    According to analysts, the consensus estimate is that Upstart Holdings share price will drop to $62.18 per share over the next 12 months.

  • What Do Analysts Say About Upstart Holdings?

    Analysts are divided on their view about Upstart Holdings share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Upstart Holdings is a Sell and believe this share price will rise from its current level to $12.00.

  • What Is Upstart Holdings's Price Target?

    The price target for Upstart Holdings over the next 1-year time period is forecast to be $62.18 according to 11 Wall Street analysts, 3 of them rate the stock a Buy, 2 rate the stock a Sell, and 6 analysts rate the stock a Hold.

  • Is UPST A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for Upstart Holdings is a Hold. 6 of 11 analysts rate the stock a Hold at this time.

  • How Can I Buy Shares Of UPST?

    You can purchase shares of Upstart Holdings via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, TastyTrade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Upstart Holdings shares.

  • What Is The Upstart Holdings Share Price Today?

    Upstart Holdings was last trading at $62.96 per share. This represents the most recent stock quote for Upstart Holdings. Yesterday, Upstart Holdings closed at $62.96 per share.

  • How To Buy Upstart Holdings Stock Online?

    In order to purchase Upstart Holdings stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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