(UPST) Upstart Holdings - Ratings and Ratios

Upstart Holdings, Inc. (NASDAQ:UPST) is a leading provider of AI-driven lending solutions, leveraging cloud-based technology to transform traditional credit decision-making. Founded in 2012 and headquartered in San Mateo, California, the company operates through three core segments: Personal Lending, Auto Lending, and Other. Its platform utilizes non-traditional data, such as education and employment history, to assess creditworthiness, aiming to expand access to credit while reducing risk for lenders. Upstarts product portfolio includes personal loans, automotive loans (both retail and refinance), home equity lines of credit, and small dollar loans. The companys mission is to make credit more accessible and affordable for underserved populations while providing lenders with higher approval rates and lower default rates. Web URL: https://www.upstart.com.

The company is listed on the NASDAQ exchange under the ticker symbol UPST, classified under the Consumer Finance sector. With a market capitalization of $3.89 billion USD, Upstart operates as a common stock entity in the United States. Its forward P/E ratio of 28.41 reflects investor expectations for future earnings growth, while its price-to-book ratio of 6.14 indicates a premium valuation relative to its book value. The price-to-sales ratio of 5.75 highlights its revenue multiple, though the return on equity (RoE) of -20.31% suggests current profitability challenges. Technically, the stock has shown volatility, with an average true range (ATR) of 4.13 and a 20-day average volume of 5,024,953 shares. Key moving averages include SMA 20 at 41.83, SMA 50 at 53.10, and SMA 200 at 52.26, indicating recent price fluctuations relative to its historical trends.