Upstart Holdings 過去の業績
過去 基準チェック /36
Upstart Holdingsの収益は年間平均-17.5%の割合で減少していますが、 Consumer Finance業界の収益は年間 減少しています。収益は年間2.1% 7.6%割合で 増加しています。 Upstart Holdingsの自己資本利益率は6.7%であり、純利益率は4.2%です。
主要情報
-17.53%
収益成長率
-20.38%
EPS成長率
| Consumer Finance 業界の成長 | 7.20% |
| 収益成長率 | 7.60% |
| 株主資本利益率 | 6.74% |
| ネット・マージン | 4.21% |
| 次回の業績アップデート | 04 Aug 2026 |
最近の業績更新
Recent updates
Seeking Alpha • Jul 23
Upstart: Undervalued Relative To Its Growth Story
Summary Upstart Holdings is down over 60% in the past year, yet I view the decline as overdone. Despite trading at a 13x forward P/E, a 10% premium to the sector median, UPST's rapid top- and bottom-line growth justifies a higher valuation. UPST is expected to deliver 44% revenue growth, signaling robust fundamentals even as its earnings multiple has contracted. I assign UPST a Buy rating, citing undervaluation and strong growth prospects despite a 27% short interest. Read the full article on Seeking Alpha
ナラティブ更新 • Jul 16
UPST: Renewed Neuberger Funding And Bank Charter Pursuit Will Reset Credit Risk Perception
Upstart Holdings' updated analyst price target, which now reflects a trim in fair value from about $74 to roughly $67, comes as analysts factor in a slightly lower revenue growth outlook, a modestly reduced discount rate, a small uptick in expected profit margins, and Street research citing steady origination trends and a more supportive backdrop for consumer fintech stocks. Analyst Commentary Recent Street research on Upstart Holdings highlights mixed views overall, but the latest changes in price targets point to a group of bullish analysts who see support from origination trends, funding access, and execution on key priorities.
ナラティブ更新 • Jul 02
UPST: Bank Charter And AI Underwriting Are Expected To Unlock Funding Upside
Analysts have trimmed their average fair value estimate for Upstart Holdings to about $40 from roughly $44. This reflects a mix of modestly higher revenue growth assumptions, slightly lower profit margin expectations, and updated P/E and discount rate inputs following recent price target changes across the Street.分析記事 • Jun 19
Upstart Holdings (UPST) Stock Could Be 26% Undervalued After Needham Reaffirms Buy
A Needham analyst reaffirmed a positive rating on Upstart Holdings (UPST) after meetings with senior management, pointing to the company’s emphasis on near-prime personal loans and AI-driven underwriting as key themes drawing investor attention. See our latest analysis for Upstart Holdings. The Needham commentary dropped into a stock that has been volatile, with a 1 day share price return of 6.47% and a 30 day share price return of 15.49% helping to counter a year to date share price decline...
ナラティブ更新 • Jun 18
UPST: Securities Lawsuit And Bank Charter Funding Risks Will Persist
Analysts have modestly increased their average price target for Upstart Holdings stock, with recent moves such as Jefferies raising its target to $30 and BofA lifting its target to $37. These changes cite updated views on the company’s focus on non-prime lending, new product verticals, bank charter progress, operating expense trends, and recent origination data.ナラティブ更新 • Jun 04
UPST: Funding Risks From Bank Charter And Lawsuit Are Likely To Persist
Analysts have trimmed their average price targets on Upstart Holdings by around $10 to $15 per share, citing broader cuts across consumer finance stocks and reassessments of funding and macro risks, even as some highlight potential upside from the company's bank charter application. Analyst Commentary Recent Street research on Upstart Holdings shows a clear tilt toward more conservative assumptions, with several bearish analysts trimming price targets in response to macro uncertainty and sector wide pressure across consumer finance stocks.ナラティブ更新 • May 18
UPST: Funding Strains Will Likely Persist Despite Planned Bank Charter Pursuit
Analysts have lowered their price targets on Upstart Holdings by $3 to $15 to reflect reduced assumed revenue growth, a slightly lower discount rate, and a decreased future P/E multiple, while maintaining fair value at around $20 and making modest adjustments to long-term profit margin expectations. Analyst Commentary Recent Street research on Upstart Holdings shows a cluster of price target cuts across several firms, with only a few more supportive voices highlighting potential upside tied to specific catalysts such as the bank application and new product launches.ナラティブ更新 • Apr 30
UPST: Bank Charter Pursuit And GenAI Underwriting Are Expected To Drive Upside
Analysts have trimmed their average price target for Upstart Holdings, with fair value estimates moving from about $56.64 to $43.93 as several firms cut targets by $4 to $15 while highlighting mixed views on funding risk, earnings potential, and the impact of the company's bank charter ambitions. Analyst Commentary Recent research on Upstart shows a split between analysts who see improving risk and earnings potential and those who remain cautious on funding, macro sensitivity, and valuation.ナラティブ更新 • Apr 15
UPST: Bank Charter Effort Will Likely Fail To Offset Mounting Funding Risks
Analysts have reset the fair value estimate for Upstart Holdings to $20.00 from $40.17, reflecting lower price targets across several firms while still noting possible earnings upside and reduced funding risk tied to the company's bank charter efforts and new product launches. Analyst Commentary Recent Street research around Upstart reflects a split view, with some firms flagging upside tied to the bank charter effort and new products, while others are trimming price targets and staying cautious on execution and funding.ナラティブ更新 • Apr 01
UPST: Bank Charter Pursuit Will Reset Perceived Credit Cycle Risk
Analysts have trimmed their fair value estimate for Upstart Holdings from $76.84 to $74.12. This reflects a lower average price target across recent research that factors in mixed rating changes, reduced targets tied to market multiples, and ongoing discussion around funding risk and the potential impact of a bank charter.ナラティブ更新 • Mar 18
UPST: Bank Charter And GenAI Underwriting Will Reset Perceived Credit Cycle Risk
Analysts have trimmed the blended price target for Upstart Holdings to reflect a fair value estimate of about $76.84, compared with $80.00 previously, citing updated assumptions around discount rates, revenue growth, profit margins and future P/E in light of recent rating changes and mixed price target moves across the Street. Analyst Commentary Bullish analysts are starting to frame Upstart as a higher conviction idea for investors who are comfortable with its credit cycle exposure and funding profile.ナラティブ更新 • Mar 04
UPST: GenAI Credit Model And New Access Product Will Reprice Risk
Analysts have modestly adjusted their price targets on Upstart Holdings toward the low to mid $30 range, reflecting mixed views that balance the launch of the Cash Line earned wage access product with tempered assumptions for revenue growth, profit margins, and future P/E multiples. Analyst Commentary Recent Street research paints a mixed but more constructive picture for Upstart Holdings, as several firms reassess both rating and valuation in light of new products and updated long term forecasts.ナラティブ更新 • Feb 18
UPST: GenAI Underwriting And Rate Easing Are Expected To Reprice Risk
Analysts have nudged their price targets on Upstart higher toward $30, reflecting updated views that its GenAI driven underwriting model and ambitious long term outlook could justify current valuations if execution stays on track. Analyst Commentary Recent Street research paints a mixed but incrementally more constructive picture, with several bullish analysts highlighting how Upstart's GenAI centric underwriting model and long term plans could eventually line up with current valuation levels if management hits its targets.分析記事 • Feb 05
Upstart Holdings, Inc.'s (NASDAQ:UPST) Popularity With Investors Under Threat As Stock Sinks 25%
The Upstart Holdings, Inc. ( NASDAQ:UPST ) share price has softened a substantial 25% over the previous 30 days...ナラティブ更新 • Feb 03
UPST: GenAI Underwriting And Easing Rates Are Expected To Drive Upside
Narrative Update: Upstart Holdings (UPST) The analyst price target for Upstart Holdings has edged higher to about $56.64 from $56.29. Analysts attribute this to its GenAI-centered underwriting model and recent research updates, including a new US$59 target and a revised US$65 target.ナラティブ更新 • Jan 20
UPST: GenAI Credit Model And New Partnerships Will Support Share Recovery
Narrative Update: Upstart Holdings Analysts have nudged their implied fair value estimate for Upstart Holdings higher from about US$55.38 to roughly US$56.29 per share, citing Street research that highlights the company's GenAI-focused underwriting model, mixed but closely watched recent results, and updated price targets in the range of US$59 to US$65. Analyst Commentary Recent Street research around Upstart highlights a split view, with some bullish analysts focusing on the company’s GenAI-driven underwriting model and others stressing its sensitivity to credit conditions and recent mixed quarterly results.ナラティブ更新 • Jan 06
UPST: GenAI Underwriting And Easing Rates Will Support Medium-Term Earnings Power
Analysts have adjusted their price targets on Upstart Holdings to around $59 to $65 per share. This reflects their view that the company's GenAI driven underwriting model offers material improvements over traditional credit models, while still being closely tied to the credit cycle and interest rate trends.ナラティブ更新 • Dec 14
UPST: Improving Margins Will Support Medium-Term Earnings Power Despite Credit Headwinds
Analysts have reduced their fair value estimate for Upstart Holdings to $80.00 from $105.00, citing lower expected revenue growth, a higher discount rate, and concerns about rising delinquencies that have led to Street price target cuts, even as profit margin expectations improve. Analyst Commentary Recent Street commentary on Upstart Holdings reflects a nuanced but increasingly constructive stance among bullish analysts, who argue that the pullback in the stock has created a more attractive risk reward profile despite near term macro and credit headwinds.分析記事 • Dec 11
Optimistic Investors Push Upstart Holdings, Inc. (NASDAQ:UPST) Shares Up 25% But Growth Is Lacking
Those holding Upstart Holdings, Inc. ( NASDAQ:UPST ) shares would be relieved that the share price has rebounded 25% in...ナラティブ更新 • Nov 29
UPST: Continued Partnerships Will Drive Share Recovery Despite Delinquency Concerns
Analysts have modestly lowered their price target for Upstart Holdings, now expecting shares to reach approximately $65. They cite a mixed quarterly report along with increasing delinquencies seen in recent loan performance data.ナラティブ更新 • Nov 15
UPST: Mixed Financials Will Be Offset By Expanding Personal Loan Partnerships
Upstart Holdings’ analyst price target has been revised downward from approximately $75 to $55. Analysts cite mixed quarterly results and rising delinquency trends as key factors in the reassessment.ナラティブ更新 • Nov 01
UPST: Raised Guidance And Credit Union Partnerships Will Drive Momentum Ahead
The consensus analyst price target for Upstart Holdings has been slightly decreased by less than $1 as analysts weigh accelerating delinquencies in older loan vintages against a recent quarterly beat and raised guidance. Analyst Commentary Recent Street research presents a mixed outlook for Upstart Holdings, reflecting both optimism and caution among analysts as they assess the company's latest financial results and developing loan trends.ナラティブ更新 • Oct 18
Model 19 And HELOC Expansion Will Strengthen Underwriting And Funding
Analysts have lowered their fair value estimate for Upstart Holdings from $79.54 to $75.46. They cite concerns over increasing delinquency rates in older loan vintages, as well as a slight adjustment in projected revenue growth and discount rate metrics.ナラティブ更新 • Oct 04
Model 19 And HELOC Expansion Will Strengthen Underwriting And Funding
Analysts have slightly lowered their fair value estimate for Upstart Holdings from approximately $80.85 to $79.54. They cite concerns about rising delinquencies in recent loan vintages and possible risks to future transaction volume.分析記事 • Sep 30
Upstart Holdings, Inc. (NASDAQ:UPST) May Have Run Too Fast Too Soon With Recent 28% Price Plummet
The Upstart Holdings, Inc. ( NASDAQ:UPST ) share price has fared very poorly over the last month, falling by a...ナラティブ更新 • Aug 07
Model 19 And HELOC Expansion Will Strengthen Underwriting And Funding
Despite a reduction in consensus revenue growth forecasts, a notable improvement in net profit margin has driven the consensus analyst price target for Upstart Holdings up from $67.36 to $76.86. What's in the News Upstart provided Q3 2025 guidance of $280 million revenue with a GAAP net loss of $9 million; full-year 2025 guidance is $1.055 billion revenue and $35 million GAAP net income.分析記事 • Jul 08
Investors Appear Satisfied With Upstart Holdings, Inc.'s (NASDAQ:UPST) Prospects As Shares Rocket 41%
Upstart Holdings, Inc. ( NASDAQ:UPST ) shares have continued their recent momentum with a 41% gain in the last month...分析記事 • May 04
Upstart Holdings, Inc.'s (NASDAQ:UPST) P/S Is Still On The Mark Following 44% Share Price Bounce
Upstart Holdings, Inc. ( NASDAQ:UPST ) shareholders are no doubt pleased to see that the share price has bounced 44% in...収支内訳
収支内訳
Upstart Holdings の稼ぎ方とお金の使い方。LTMベースの直近の報告された収益に基づく。
収益と収入の歴史
| 日付 | 収益 | 収益 | G+A経費 | 研究開発費 |
|---|---|---|---|---|
| 31 Mar 26 | 1,174 | 49 | 616 | 280 |
| 31 Dec 25 | 1,076 | 54 | 555 | 258 |
| 30 Sep 25 | 998 | 32 | 513 | 258 |
| 30 Jun 25 | 885 | -6 | 476 | 259 |
| 31 Mar 25 | 759 | -66 | 425 | 248 |
| 31 Dec 24 | 677 | -129 | 398 | 254 |
| 30 Sep 24 | 605 | -168 | 376 | 244 |
| 30 Jun 24 | 576 | -202 | 360 | 234 |
| 31 Mar 24 | 577 | -175 | 348 | 233 |
| 31 Dec 23 | 548 | -240 | 340 | 280 |
| 30 Sep 23 | 546 | -253 | 343 | 287 |
| 30 Jun 23 | 562 | -269 | 360 | 298 |
| 31 Mar 23 | 652 | -271 | 438 | 297 |
| 31 Dec 22 | 853 | -109 | 531 | 237 |
| 30 Sep 22 | 1,007 | 6 | 590 | 220 |
| 30 Jun 22 | 1,076 | 91 | 614 | 191 |
| 31 Mar 22 | 1,041 | 158 | 562 | 165 |
| 31 Dec 21 | 852 | 135 | 455 | 134 |
| 30 Sep 21 | 634 | 76 | 347 | 102 |
| 30 Jun 21 | 472 | 49 | 253 | 75 |
| 31 Mar 21 | 297 | 9 | 167 | 51 |
| 31 Dec 20 | 241 | 0 | 145 | 39 |
| 30 Sep 20 | 221 | 6 | 139 | 32 |
| 31 Dec 19 | 191 | 0 | 125 | 19 |
| 31 Dec 18 | 126 | -12 | 83 | 8 |
| 31 Dec 17 | 67 | -8 | 49 | 5 |
質の高い収益: UPSTは 高品質の収益 を持っています。
利益率の向上: UPST過去に利益を上げました。
フリー・キャッシュフローと収益の比較
過去の収益成長分析
収益動向: UPST過去 5 年間で収益を上げており、収益は年間-17.5%増加しています。
成長の加速: UPSTは昨年収益を上げたため、収益成長率を 5 年間の平均と比較することは困難です。
収益対業界: UPST昨年収益を上げたため、昨年の収益成長をConsumer Finance業界 ( 32.4% ) と比較することは困難です。
株主資本利益率
高いROE: UPSTの 自己資本利益率 ( 6.7% ) は 低い とみなされます。
総資産利益率
使用総資本利益率
過去の好業績企業の発掘
企業分析と財務データの現状
| データ | 最終更新日（UTC時間） |
|---|---|
| 企業分析 | 2026/07/28 04:49 |
| 終値 | 2026/07/28 00:00 |
| 収益 | 2026/03/31 |
| 年間収益 | 2025/12/31 |
データソース
企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。
| パッケージ | データ | タイムフレーム | 米国ソース例 |
|---|---|---|---|
| 会社財務 | 10年 |
| |
| アナリストのコンセンサス予想 | +プラス3年 |
|
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| 市場価格 | 30年 |
| |
| 所有権 | 10年 |
| |
| マネジメント | 10年 |
| |
| 主な進展 | 10年 |
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* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。
特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。
分析モデルとスノーフレーク
このレポートを生成するために使用した分析モデルの詳細は、当社のGitHubページでご覧いただけます。また、レポートの活用方法に関するガイドやYouTubeのチュートリアルも用意しています。
シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。
業界およびセクターの指標
私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。
アナリスト筋
Upstart Holdings, Inc. 14 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。16
| アナリスト | 機関 |
|---|---|
| Ramsey El-Assal | Barclays |
| Mihir Bhatia | BofA Global Research |
| Harold Goetsch | B. Riley Securities, Inc. |