UPST Stock Overview
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States.
| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 4/6 |
| Past Performance | 0/6 |
| Financial Health | 2/6 |
| Dividends | 0/6 |
My Notes
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Upstart Holdings, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$28.54 |
| 52 Week High | US$47.46 |
| 52 Week Low | US$11.93 |
| Beta | 1.42 |
| 1 Month Change | 113.30% |
| 3 Month Change | 75.96% |
| 1 Year Change | -34.16% |
| 3 Year Change | n/a |
| 5 Year Change | n/a |
| Change since IPO | -3.16% |
Recent News & Updates
Recent updates
Upstart Holdings, Inc. (NASDAQ:UPST) Analysts Just Trimmed Their Revenue Forecasts By 33%
Feb 15
Upstart: What's Up With The Relative Strength?
Oct 14Upstart Stock Is Down Over 80% This Year; Is It A Buying Opportunity?
Sep 29Upstart Has Its Moment
Sep 19Upstart extends personal lending to Arizona-based credit union partner
Sep 08Upstart: Broken Stock Or Broken Company?
Aug 25Upstart provides Alliant Credit Union with personal lending capabilities
Aug 17Upstart Q2 Preview: Short-Sellers Should Brace For Impact
Aug 08Upstart: 15% Yield On Convertible Bonds
Aug 01Upstart: An Opportunity Of A Lifetime Or A Tragic Mistake?
Jul 18Upstart Drops After Massive Revenue Miss
Jul 08Upstart: Washed Out Levels, Undemanding Valuations
Jun 27Upstart Crashed Due To 3 Misdiagnoses - Strong Buy
Jun 06Upstart: The 3 Risk Factors Investors Ignored
May 22Upstart's Risk And Opportunities - A Dispassionate Consideration
May 16Analysts Just Made A Major Revision To Their Upstart Holdings, Inc. (NASDAQ:UPST) Revenue Forecasts
May 11Upstart Holdings, Inc.'s (NASDAQ:UPST) Earnings are Mixed, but Institutions are Selling
May 10Upstart: Panic Time
May 09Upstart: The Market Is Betting Its Q1 Earnings Could Disappoint
May 02Upstart Q1 Earnings Preview: What To Watch Out For
Apr 25Shareholder Returns
| UPST | US Consumer Finance | US Market | |
|---|---|---|---|
| 7D | 4.8% | 9.3% | 2.6% |
| 1Y | -34.2% | -6.0% | 2.1% |
Return vs Industry: UPST underperformed the US Consumer Finance industry which returned -6% over the past year.
Return vs Market: UPST underperformed the US Market which returned 2.1% over the past year.
Price Volatility
| UPST volatility | |
|---|---|
| UPST Average Weekly Movement | 18.4% |
| Consumer Finance Industry Average Movement | 7.2% |
| Market Average Movement | 6.7% |
| 10% most volatile stocks in US Market | 15.9% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: UPST is more volatile than 90% of US stocks over the past 3 months, typically moving +/- 18% a week.
Volatility Over Time: UPST's weekly volatility (18%) has been stable over the past year, but is still higher than 75% of US stocks.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2012 | 1,875 | Dave Girouard | https://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 aggregates consumer demand for loans and connects it to its network of the company’s AI-enabled bank and credit union partners. The company was founded in 2012 and is headquartered in San Mateo, California.
Upstart Holdings, Inc. Fundamentals Summary
| UPST fundamental statistics | |
|---|---|
| Market Cap | US$2.57b |
| Earnings (TTM) | -US$270.61m |
| Revenue (TTM) | US$652.25m |
3.6x
P/S Ratio-8.7x
P/E RatioIs UPST overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| UPST income statement (TTM) | |
|---|---|
| Revenue | US$652.25m |
| Cost of Revenue | US$180.18m |
| Gross Profit | US$472.07m |
| Other Expenses | US$742.69m |
| Earnings | -US$270.61m |
Last Reported Earnings
Mar 31, 2023
Next Earnings Date
n/a
| Earnings per share (EPS) | -3.27 |
| Gross Margin | 72.38% |
| Net Profit Margin | -41.49% |
| Debt/Equity Ratio | 159.6% |
How did UPST perform over the long term?
See historical performance and comparison