Financhill
Buy
60

UPST Quote, Financials, Valuation and Earnings

Last price:
$82.43
Seasonality move :
-20.72%
Day range:
$80.02 - $86.10
52-week range:
$20.60 - $96.43
Dividend yield:
0%
P/E ratio:
--
P/S ratio:
11.72x
P/B ratio:
12.20x
Volume:
9M
Avg. volume:
6.1M
1-year change:
211.49%
Market cap:
$7.7B
Revenue:
$628.8M
EPS (TTM):
-$1.46

Analysts' Opinion

  • Consensus Rating
    Upstart Holdings has received a consensus rating of Hold. The company's average rating is a Hold based on 4 Buy ratings, 6 Hold ratings, and 1 Sell rating.
  • Price Target Downside
    According to analysts' consensus price target of $77.77, Upstart Holdings has an estimated downside of -5.64% from its current price of $82.42.
  • Price Target Upside
    According to analysts, the highest upside price target is $110.00 representing 33.46% upside increase from its current price of $82.42.

Fair Value

  • According to the consensus of 11 analysts, Upstart Holdings has -5.64% downside to fair value with a price target of $77.77 per share.

UPST vs. S&P 500

  • Over the past 5 trading days, Upstart Holdings has overperformed the S&P 500 by 17.97% 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 2 quarters straight. In the most recent quarter Upstart Holdings reported revenues of $211.3M.

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 -$0.03.
Enterprise value:
8.3B
EV / Invested capital:
4.09x
Price / LTM sales:
11.72x
EV / EBIT:
--
EV / Revenue:
13.25x
PEG ratio (5yr expected):
--
EV / Free cash flow:
47.25x
Price / Operating cash flow:
41.81x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
-6.47%
Net Income Margin (TTM):
-20.45%
Return On Equity:
-20.93%
Return On Invested Capital:
-7.73%
Operating Margin:
--
Trailing 12 Months Fiscal Quarters
Period Ending 2022-12-31 2023-12-31 2024-12-31 2023-12-31 2024-12-31
Income Statement
Revenue $837.8M $508.1M $628.8M $134.9M $211.3M
Gross Profit -- -- -- -- --
Operating Income -- -- -- -- --
EBITDA -- -- -- -- --
Diluted EPS -$1.38 -$2.90 -$1.46 -$0.50 -$0.03
Period Ending 2020-12-31 2021-12-31 2022-12-31 2023-12-31 2024-12-31
Balance Sheet
Current Assets $295.5M $1.1B $502M $456.6M $950.9M
Total Assets $477.3M $1.8B $1.9B $2B $2.4B
Current Liabilities $124.6M $247.7M $491.3M $653.3M $457.8M
Total Liabilities $177M $1B $1.3B $1.4B $1.7B
Total Equity $300.3M $807.1M $672.4M $635.3M $633.2M
Total Debt $62.6M $695.4M $986.4M $1B $1.4B
Trailing 12 Months Fiscal Quarters
Period Ending 2022-12-31 2023-12-31 2024-12-31 2023-12-31 2024-12-31
Cash Flow Statement
Cash Flow Operations -$657.9M -$111.7M $186.3M -$145.6M -$110.9M
Cash From Investing -$114.1M -$118.5M -$237.7M -$29.9M -$77.9M
Cash From Financing $113.2M $165.5M $559.9M $28.3M $509.3M
Free Cash Flow -$680.8M -$123.8M $176.3M -$147.3M -$114.3M
UPST
Sector
Market Cap
$7.7B
$682.7M
Price % of 52-Week High
85.47%
90.33%
Dividend Yield
0%
2%
Shareholder Yield
--
3.92%
1-Year Price Total Return
211.49%
12.3%
Beta (5-Year)
--
0.730
Dividend yield:
0%
Annualized payout:
$0.00
Payout ratio:
--
Growth streak:
0 years

SEE THE 1% OF STOCKS YOU NEED TO OWN FOR MASSIVE RETURNS

GET BETTER TRADE IDEAS

Technicals

8-day SMA
Buy
Level $74.08
200-day SMA
Buy
Level $45.61
Bollinger Bands (100)
Buy
Level 49.19 - 75.05
Chaikin Money Flow
Sell
Level -115.5M
20-day SMA
Buy
Level $68.90
Relative Strength Index (RSI14)
Buy
Level 64.29
ADX Line
Buy
Level 19.19
Williams %R
Neutral
Level -38.3983
50-day SMA
Buy
Level $69.01
MACD (12, 26)
Buy
Level 3.76
25-day Aroon Oscillator
Buy
Level 88
On Balance Volume
Sell
Level -36.7M

Financial Scores

Hold
Altman Z-Score (Annual)
Level (2.1522)
Sell
CA Score (Annual)
Level (-1.4853)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (9)
Sell
Ohlson Score
Level (2.1601)
--
Piotroski F Score (Annual)
Level (--)
--
Quality Ratio Score
Level (--)
Sell
Fundamental Score
Level (3)

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 4 Buy ratings 6 Hold ratings, and 1 Sell ratings. The UPST average analyst price target in the past 3 months is $77.77.

  • Where Will Upstart Holdings Stock Be In 1 Year?

    According to analysts, the consensus estimate is that Upstart Holdings share price will drop to $77.77 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 $15.00.

  • What Is Upstart Holdings's Price Target?

    The price target for Upstart Holdings over the next 1-year time period is forecast to be $77.77 according to 11 Wall Street analysts, 4 of them rate the stock a Buy, 1 rates 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 $82.43 per share. This represents the most recent stock quote for Upstart Holdings. Yesterday, Upstart Holdings closed at $82.42 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.

SEE THE 1% OF STOCKS YOU NEED TO OWN FOR MASSIVE RETURNS

GET BETTER TRADE IDEAS

Popular

Why Is Tesla Stock Falling?
Why Is Tesla Stock Falling?

Tesla stock reached an all-time high of $479.86 on December…

Is DoorDash a Buy, Sell or Hold?
Is DoorDash a Buy, Sell or Hold?

Gig economy food delivery service DoorDash (NASDAQ:DASH) has been running…

Is Clorox’s Dividend Worth It?
Is Clorox’s Dividend Worth It?

Clorox (NYSE:CLX) is the parent company of some of the…

Stock Ideas

Buy
65
Is AAPL Stock a Buy?

Market Cap: $3.7T
P/E Ratio: 40x

Buy
61
Is NVDA Stock a Buy?

Market Cap: $3.4T
P/E Ratio: 116x

Sell
47
Is MSFT Stock a Buy?

Market Cap: $3T
P/E Ratio: 35x

Alerts

Buy
87
PCOR alert for Feb 15

Procore Technologies [PCOR] is up 16.3% over the past day.

Buy
54
DKNG alert for Feb 15

DraftKings [DKNG] is up 15.24% over the past day.

Sell
30
TWLO alert for Feb 15

Twilio [TWLO] is down 15.01% over the past day.

THE #1 STOCK ANALYSIS TOOL
TO MAKE SMARTER BUY AND SELL DECISIONS

Show me the best stock