Upstart Holdings (BMV:UPST *) - Stock Price, News & Analysis

UPST * Stock Overview

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

UPST * fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	3/6
Past Performance	0/6
Financial Health	5/6
Dividends	0/6

Rewards

Revenue is forecast to grow 20.26% per year

Risk Analysis

Highly volatile share price over the past 3 months compared to the MX market

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

Gentera. de

BMV:GENTERA *

Mex$38.6b

Financiera Independencia. de SOFOM E.N.R

BMV:FINDEP *

Mex$2.5b

OneMain Holdings

NYSE:OMF

US$6.8b

Grupo Profuturo. de

BMV:GPROFUT *

Mex$26.5b

Price History & Performance

Summary of all time highs, changes and price drops for Upstart Holdings
Historical stock prices
Current Share Price	US$1,630.12
52 Week High	US$1,750.00
52 Week Low	US$369.70
Beta	1.98
11 Month Change	55.55%
3 Month Change	85.70%
1 Year Change	254.37%
33 Year Change	-58.47%
5 Year Change	n/a
Change since IPO	-63.56%

Recent updates

Shareholder Returns

	UPST *	MX Consumer Finance	MX Market
7D	14.0%	-3.8%	-0.7%
1Y	254.4%	18.3%	-4.7%

Return vs Industry: UPST * exceeded the MX Consumer Finance industry which returned 21.6% over the past year.

Return vs Market: UPST * exceeded the MX Market which returned -4.1% over the past year.

Price Volatility

Is UPST *'s price volatile compared to industry and market?
UPST * volatility
UPST * Average Weekly Movement	18.4%
Consumer Finance Industry Average Movement	5.8%
Market Average Movement	4.1%
10% most volatile stocks in MX Market	6.1%
10% least volatile stocks in MX Market	2.7%

Stable Share Price: UPST *'s share price has been volatile over the past 3 months compared to the MX market.

Volatility Over Time: UPST *'s weekly volatility (18%) has been stable over the past year, but is still higher than 75% of MX 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?
UPST * fundamental statistics
Market cap	Mex$147.67b
Earnings (TTM)	-Mex$3.47b
Revenue (TTM)	Mex$12.47b

11.8x

P/S Ratio

-42.5x

P/E Ratio

Is UPST * overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
UPST * income statement (TTM)
Revenue	US$604.94m
Cost of Revenue	US$153.51m
Gross Profit	US$451.43m
Other Expenses	US$619.66m
Earnings	-US$168.22m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	-1.84
Gross Margin	74.62%
Net Profit Margin	-27.81%
Debt/Equity Ratio	165.9%

How did UPST * perform over the long term?

See historical performance and comparison

UPST * Stock Overview

Rewards

Risk Analysis

Upstart Holdings, Inc. Competitors

BMV:GENTERA *

Mex$38.6b

BMV:FINDEP *

Mex$2.5b

NYSE:OMF

US$6.8b

BMV:GPROFUT *

Mex$26.5b

Price History & Performance

Recent News & Updates

Chief Financial Officer recently sold Mex$26m worth of stock

New minor risk - Shareholder dilution

Third quarter 2024 earnings released: US$0.075 loss per share (vs US$0.48 loss in 3Q 2023)

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

Corporate Controller recently sold Mex$757k worth of stock

Upstart Holdings, Inc. to Report Q3, 2024 Results on Nov 07, 2024

Recent updates

Chief Financial Officer recently sold Mex$26m worth of stock

New minor risk - Shareholder dilution

Third quarter 2024 earnings released: US$0.075 loss per share (vs US$0.48 loss in 3Q 2023)

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

Corporate Controller recently sold Mex$757k worth of stock

Upstart Holdings, Inc. to Report Q3, 2024 Results on Nov 07, 2024

Corporate Controller recently sold Mex$757k worth of stock

Chief Financial Officer recently sold Mex$14m 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 Mex$7.7m worth of stock

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

New minor risk - Profitability

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 Mex$7.1m worth of stock

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

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

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

Chief Financial Officer recently sold Mex$8.9m worth of stock

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

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 Mex$11m 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 Mex$11m worth of stock

Chief Financial Officer recently sold Mex$8.4m worth of stock

Independent Director recently bought Mex$700k 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 Mex$1.6m 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

Corporate Controller recently sold Mex$279k worth of stock

Corporate Controller recently sold Mex$279k worth of stock

Corporate Controller recently sold Mex$279k worth of stock

Independent Director recently sold Mex$817k worth of stock

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

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

Investor sentiment deteriorated over the past week

Corporate Controller recently sold Mex$130k worth of stock

Corporate Controller recently sold Mex$130k worth of stock