Upstart Holdings (DB:855) - Stock Price, News & Analysis

855 Stock Overview

Operates a cloud-based artificial intelligence (AI) lending platform in the United States.

855 fundamental analysis
Snowflake Score
Valuation	1/6
Future Growth	1/6
Past Performance	0/6
Financial Health	4/6
Dividends	0/6

Rewards

Revenue is forecast to grow 17.76% per year

Risk Analysis

Highly volatile share price over the past 3 months

Significant insider selling over the past 3 months

Currently unprofitable and not forecast to become profitable over the next 3 years

Shareholders have been diluted in the past year

Upstart Holdings, Inc. Competitors

Multitude

XTRA:E4I

€96.7m

Hypoport

XTRA:HYQ

€2.0b

Aareal Bank

HMSE:ARLN

€2.2b

Tradegate Wertpapierhandelsbank

DB:T2G

€2.2b

Price History & Performance

Summary of all time highs, changes and price drops for Upstart Holdings
Historical stock prices
Current Share Price	US$35.28
52 Week High	US$45.35
52 Week Low	US$18.56
Beta	2.03
11 Month Change	-10.70%
3 Month Change	65.80%
1 Year Change	30.75%
33 Year Change	-85.88%
5 Year Change	n/a
Change since IPO	-81.08%

Recent updates

Shareholder Returns

	855	DE Consumer Finance	DE Market
7D	0.5%	0.3%	1.5%
1Y	30.7%	20.1%	12.6%

Return vs Industry: 855 exceeded the German Consumer Finance industry which returned 20.1% over the past year.

Return vs Market: 855 exceeded the German Market which returned 12.6% over the past year.

Price Volatility

Is 855's price volatile compared to industry and market?
855 volatility
855 Average Weekly Movement	15.3%
Consumer Finance Industry Average Movement	4.9%
Market Average Movement	5.0%
10% most volatile stocks in DE Market	11.7%
10% least volatile stocks in DE Market	2.4%

Stable Share Price: 855's share price has been volatile over the past 3 months.

Volatility Over Time: 855's weekly volatility (15%) has been stable over the past year, but is still higher than 75% of German stocks.

About the Company

Founded	Employees	CEO	Website
2012	1,388	Dave Girouard	www.upstart.com

Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small dollar loans that connects consumer demand for loans to its to bank and credit unions. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.

Upstart Holdings, Inc. Fundamentals Summary

How do Upstart Holdings's earnings and revenue compare to its market cap?
855 fundamental statistics
Market cap	€3.28b
Earnings (TTM)	-€180.76m
Revenue (TTM)	€515.94m

6.4x

P/S Ratio

-18.1x

P/E Ratio

Is 855 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
855 income statement (TTM)
Revenue	US$575.96m
Cost of Revenue	US$151.12m
Gross Profit	US$424.83m
Other Expenses	US$626.62m
Earnings	-US$201.78m

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	-2.25
Gross Margin	73.76%
Net Profit Margin	-35.03%
Debt/Equity Ratio	172.6%

How did 855 perform over the long term?

See historical performance and comparison

855 Stock Overview

Rewards

Risk Analysis

Upstart Holdings, Inc. Competitors

XTRA:E4I

€96.7m

XTRA:HYQ

€2.0b

HMSE:ARLN

€2.2b

DB:T2G

€2.2b

Price History & Performance

Recent News & Updates

Chief Financial Officer recently sold €666k worth of stock

Second quarter 2024 earnings released: US$0.62 loss per share (vs US$0.34 loss in 2Q 2023)

Upstart Holdings, Inc. Provides Financial Guidance for the Third Quarter and Second Half of 2024

Upstart Holdings, Inc. to Report Q2, 2024 Results on Aug 06, 2024

Chief Financial Officer recently sold €428k worth of stock

New minor risk - Profitability

Recent updates

Chief Financial Officer recently sold €666k worth of stock

Second quarter 2024 earnings released: US$0.62 loss per share (vs US$0.34 loss in 2Q 2023)

Upstart Holdings, Inc. Provides Financial Guidance for the Third Quarter and Second Half of 2024

Upstart Holdings, Inc. to Report Q2, 2024 Results on Aug 06, 2024

Chief Financial Officer recently sold €428k worth of stock

New minor risk - Profitability

First quarter 2024 earnings released: US$0.74 loss per share (vs US$1.58 loss in 1Q 2023)

Upstart Holdings, Inc. Provides Earnings Guidance for the Second Quarter and Second Half of 2024

Upstart Launches First AI Certification Program for Financial Services

Upstart Launches Recognized Customer Personalization

Upstart Holdings, Inc. to Report Q1, 2024 Results on May 07, 2024

Upstart Holdings, Inc., Annual General Meeting, May 29, 2024

Insufficient new directors

Co-Founder recently sold €384k worth of stock

Upstart Holdings, Inc. Provides Earnings Guidance for the First Quarter of 2024

Full year 2023 earnings released: US$2.87 loss per share (vs US$1.31 loss in FY 2022)

Upstart Holdings, Inc. to Report Q4, 2023 Results on Feb 13, 2024

New minor risk - Profitability

Chief Financial Officer recently sold €476k worth of stock

Third quarter 2023 earnings released: US$0.48 loss per share (vs US$0.69 loss in 3Q 2022)

New major risk - Revenue and earnings growth

New minor risk - Profitability

Upstart Holdings, Inc. Provides Earnings Guidance for the Fourth Quarter of 2023

Upstart Announces Successful Launch of New Home Equity Line of Credit Product

Upstart Holdings, Inc. to Report Q3, 2023 Results on Nov 07, 2023

Chief Financial Officer recently sold €602k worth of stock

New minor risk - Shareholder dilution

Second quarter 2023 earnings released: US$0.34 loss per share (vs US$0.36 loss in 2Q 2022)

Upstart Holdings, Inc. Provides Earnings Guidance for the Third Quarter of 2023

Upstart Holdings, Inc. to Report Q2, 2023 Results on Aug 08, 2023

Upstart Holdings, Inc.(NasdaqGS:UPST) dropped from Russell Small Cap Comp Value Index

Chief Financial Officer recently sold €584k worth of stock

Chief Financial Officer recently sold €435k worth of stock

Castlelake, L.P. and Eltura Capital Partners LP reached an agreement to acquire $4 billion of consumer installment loans of Upstart Holdings, Inc. (NasdaqGS:UPST).

First quarter 2023 earnings released: US$1.58 loss per share (vs US$0.39 profit in 1Q 2022)

Upstart Holdings, Inc. Provides Earnings Guidance for the Second Quarter of 2023

Insider recently sold €79k worth of stock

Full year 2022 earnings released: US$1.31 loss per share (vs US$1.73 profit in FY 2021)

Upstart Holdings, Inc. Provides Earnings Guidance for the First Quarter of 2023

Upstart Holdings, Inc. to Report Q4, 2022 Results on Feb 14, 2023

Third quarter 2022 earnings released: US$0.69 loss per share (vs US$0.37 profit in 3Q 2021)

Upstart Holdings, Inc. Provides Earnings Guidance for the Fourth Quarter of 2022

Investor sentiment deteriorated over the past week

Investor sentiment improved over the past week

Upstart Holdings, Inc. to Report Q3, 2022 Results on Nov 08, 2022

Upstart Holdings, Inc. Announces Executive Changes

Investor sentiment deteriorated over the past week

Upstart Holdings, Inc. Provides Earnings Guidance for the Third Quarter 2022

Second quarter 2022 earnings released: US$0.36 loss per share (vs US$0.49 profit in 2Q 2021)

Investor sentiment improved over the past week

Investor sentiment improved over the past week

Portnoy Law Firm Announces Class Action Lawsuit Filed to Recover Investors Losses of Upstart Holdings, Inc

Upstart Holdings, Inc. Revises Earnings Guidance for the Second Quarter of 2022

Investor sentiment deteriorated over the past week

Investor sentiment deteriorated over the past week

Upstart Holdings, Inc. Investors Have Opportunity to Lead Securities Fraud Lawsuit

Investor sentiment improved over the past week

Johnson Fistel, LLP Announces Class Action Lawsuit Against Upstart Holdings, Inc

First quarter 2022 earnings released: EPS: US$0.39 (vs US$0.14 in 1Q 2021)