(UPST) Upstart Holdings - Ratings and Ratios
Personal Loans, Auto Loans, Credit Lines, Small Loans
UPST EPS (Earnings per Share)
UPST Revenue
Description: UPST Upstart Holdings
Upstart Holdings, Inc. is a technology company that has revolutionized the lending industry with its cloud-based artificial intelligence (AI) platform. By leveraging machine learning algorithms, the company assesses creditworthiness and provides personalized loan options to consumers. The companys diversified product offerings, including personal loans, auto loans, and home equity lines of credit, cater to a wide range of customer needs.
Key performance indicators (KPIs) that can provide insights into the companys success include revenue growth, loan origination volume, and default rates. Notably, the companys ability to maintain a low default rate despite lending to non-traditional borrowers is a testament to the effectiveness of its AI-powered underwriting process. Additionally, metrics such as customer acquisition costs and retention rates can help investors understand the companys operational efficiency and long-term viability.
The companys growth prospects are further bolstered by its expanding partnerships with banks and other financial institutions, which enable it to reach a broader customer base. As the consumer finance industry continues to evolve, Upstart Holdings, Inc. is well-positioned to capitalize on emerging trends and opportunities. Investors can monitor the companys progress by tracking its quarterly earnings reports, guidance, and industry trends.
From a valuation perspective, investors can analyze metrics such as the price-to-sales ratio, enterprise value-to-EBITDA, and revenue multiples to determine whether the stock is fairly valued. Given the companys high growth rate, a premium valuation may be justified. However, investors should also be aware of potential risks, including regulatory changes, market competition, and economic downturns, which can impact the companys financial performance.
UPST Stock Overview
| Market Cap in USD | 4,598m |
| Sub-Industry | Consumer Finance |
| IPO / Inception | 2020-12-16 |
UPST Stock Ratings
| Growth Rating | 18.1% |
| Fundamental | 41.1% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | -22.6% |
| Analyst Rating | 3.47 of 5 |
UPST Dividends
Currently no dividends paidUPST Growth Ratios
| Growth Correlation 3m | -84% |
| Growth Correlation 12m | -5.1% |
| Growth Correlation 5y | -30.3% |
| CAGR 5y | 28.93% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.41 |
| CAGR/Mean DD 3y (Pain Ratio) | 0.75 |
| Sharpe Ratio 12m | -0.37 |
| Alpha | -43.22 |
| Beta | 2.282 |
| Volatility | 79.84% |
| Current Volume | 5340.6k |
| Average Volume 20d | 6426.4k |
| Stop Loss | 43.2 (-7.1%) |
| Signal | -0.60 |
Piotroski VR‑10 (Strict, 0-10) 2.5
| Net Income (-6.35m TTM) > 0 and > 6% of Revenue (6% = 52.6m TTM) |
| FCFTA -0.03 (>2.0%) and ΔFCFTA 4.80pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 38.95% (prev 251.7%; Δ -212.7pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.03 (>3.0%) and CFO -65.2m <= Net Income -6.35m (YES >=105%, WARN >=100%) |
| NO Net Debt/EBITDA fails (EBITDA <= 0) |
| Current Ratio 2.17 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (102.9m) change vs 12m ago 16.30% (target <= -2.0% for YES) |
| Gross Margin 89.47% (prev 77.54%; Δ 11.94pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 40.81% (prev 30.35%; Δ 10.46pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio -0.70 (EBITDA TTM -6.08m / Interest Expense TTM 40.7m) >= 6 (WARN >= 3) |
Altman Z'' 0.03
| (A) 0.14 = (Total Current Assets 634.4m - Total Current Liabilities 292.8m) / Total Assets 2.48b |
| (B) -0.16 = Retained Earnings (Balance) -408.0m / Total Assets 2.48b |
| (C) -0.01 = EBIT TTM -28.4m / Avg Total Assets 2.15b |
| (D) -0.23 = Book Value of Equity -408.0m / Total Liabilities 1.76b |
| Total Rating: 0.03 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 41.10
| 1. Piotroski 2.50pt = -2.50 |
| 2. FCF Yield -1.21% = -0.61 |
| 3. FCF Margin -7.85% = -2.95 |
| 4. Debt/Equity 2.04 = 0.71 |
| 5. Debt/Ebitda data missing |
| 6. ROIC - WACC (= -12.52)% = -12.50 |
| 7. RoE -0.97% = -0.16 |
| 8. Rev. Trend 75.63% = 5.67 |
| 9. EPS Trend 68.55% = 3.43 |
What is the price of UPST shares?
Over the past week, the price has changed by -4.28%, over one month by -31.74%, over three months by -40.06% and over the past year by -10.66%.
Is Upstart Holdings a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of UPST is around 37.97 USD . This means that UPST is currently overvalued and has a potential downside of -18.34%.
Is UPST a buy, sell or hold?
- Strong Buy: 4
- Buy: 2
- Hold: 7
- Sell: 1
- Strong Sell: 1
What are the forecasts/targets for the UPST price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 75.9 | 63.3% |
| Analysts Target Price | 75.9 | 63.3% |
| ValueRay Target Price | 43.3 | -6.9% |
Last update: 2025-10-18 03:56
UPST Fundamental Data Overview
P/E Forward = 125.0
P/S = 5.1963
P/B = 7.047
Beta = 2.282
Revenue TTM = 877.0m USD
EBIT TTM = -28.4m USD
EBITDA TTM = -6.08m USD
Long Term Debt = 1.24b USD (from longTermDebt, last quarter)
Short Term Debt = 189.5m USD (from shortTermDebt, last quarter)
Debt = 1.47b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.07b USD (from netDebt column, last quarter)
Enterprise Value = 5.67b USD (4.60b + Debt 1.47b - CCE 400.6m)
Interest Coverage Ratio = -0.70 (Ebit TTM -28.4m / Interest Expense TTM 40.7m)
FCF Yield = -1.21% (FCF TTM -68.9m / Enterprise Value 5.67b)
FCF Margin = -7.85% (FCF TTM -68.9m / Revenue TTM 877.0m)
Net Margin = -0.72% (Net Income TTM -6.35m / Revenue TTM 877.0m)
Gross Margin = 89.47% ((Revenue TTM 877.0m - Cost of Revenue TTM 92.3m) / Revenue TTM)
Gross Margin QoQ = 97.73% (prev 81.62%)
Tobins Q-Ratio = 2.29 (Enterprise Value 5.67b / Total Assets 2.48b)
Interest Expense / Debt = 0.53% (Interest Expense 7.77m / Debt 1.47b)
Taxrate = 0.87% (49.0k / 5.66m)
NOPAT = -28.2m (EBIT -28.4m * (1 - 0.87%)) [loss with tax shield]
Current Ratio = 2.17 (Total Current Assets 634.4m / Total Current Liabilities 292.8m)
Debt / Equity = 2.04 (Debt 1.47b / totalStockholderEquity, last quarter 722.0m)
Debt / EBITDA = -176.2 (out of range, set to none) (Net Debt 1.07b / EBITDA -6.08m)
Debt / FCF = -15.56 (negative FCF - burning cash) (Net Debt 1.07b / FCF TTM -68.9m)
Total Stockholder Equity = 656.9m (last 4 quarters mean from totalStockholderEquity)
RoA = -0.26% (Net Income -6.35m / Total Assets 2.48b)
RoE = -0.97% (Net Income TTM -6.35m / Total Stockholder Equity 656.9m)
RoCE = -1.50% (EBIT -28.4m / Capital Employed (Equity 656.9m + L.T.Debt 1.24b))
RoIC = -1.47% (negative operating profit) (NOPAT -28.2m / Invested Capital 1.92b)
WACC = 11.05% (E(4.60b)/V(6.07b) * Re(14.42%) + D(1.47b)/V(6.07b) * Rd(0.53%) * (1-Tc(0.01)))
Discount Rate = 14.42% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 9.63%
Fair Price DCF = unknown (Cash Flow -68.9m)
EPS Correlation: 68.55 | EPS CAGR: 29.53% | SUE: -4.0 | # QB: 0
Revenue Correlation: 75.63 | Revenue CAGR: 19.61% | SUE: 2.44 | # QB: 5
Additional Sources for UPST Stock
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Fund Manager Positions: Dataroma | Stockcircle