Upstart Holdings, Inc.

NasdaqGS:UPST Stock Report

Market Cap: US$6.6b

Upstart Holdings Future Growth

Future criteria checks 2/6

Upstart Holdings is forecast to grow earnings and revenue by 70.6% and 21.2% per annum respectively. EPS is expected to grow by 72.5% per annum. Return on equity is forecast to be 9.7% in 3 years.

Key information

70.6%

Earnings growth rate

72.5%

EPS growth rate

Consumer Finance earnings growth13.0%
Revenue growth rate21.2%
Future return on equity9.7%
Analyst coverage

Good

Last updated13 Dec 2024

Recent future growth updates

Recent updates

Upstart: Poised For Another Breakout

Dec 05

Rainbows and Unicorns: Upstart Holdings, Inc. (NASDAQ:UPST) Analysts Just Became A Lot More Optimistic

Nov 12
Rainbows and Unicorns: Upstart Holdings, Inc. (NASDAQ:UPST) Analysts Just Became A Lot More Optimistic

Upstart: This Is The Perfect Time To Sell (Rating Downgrade)

Nov 10

Upstart: Sell Strength (Rating Downgrade)

Oct 26

Upstart Holdings, Inc. - Start Of Profit Taking And A Pullback

Oct 17

Upstart Holdings, Inc.'s (NASDAQ:UPST) P/S Is Still On The Mark Following 28% Share Price Bounce

Oct 11
Upstart Holdings, Inc.'s (NASDAQ:UPST) P/S Is Still On The Mark Following 28% Share Price Bounce

Things Are Looking Up For Upstart As We Enter An Easing Cycle

Sep 24

Why I Sold Upstart (Ratings Downgrade)

Sep 12

Upstart Can Move Higher On Short Interest, Efficiency Gains

Aug 22

Investors Appear Satisfied With Upstart Holdings, Inc.'s (NASDAQ:UPST) Prospects As Shares Rocket 32%

Aug 18
Investors Appear Satisfied With Upstart Holdings, Inc.'s (NASDAQ:UPST) Prospects As Shares Rocket 32%

Upstart Q2 Earnings: A Lofty Price Of 50x EBITDA For This Fintech

Aug 07

Navigating Uncertainty: Understanding The Risks And Rewards Of Investing In Upstart Holdings

Jul 25

Upstart: Turning A Corner With Growth And Profitability To Return

Jul 12

Upstart Holdings, Inc.'s (NASDAQ:UPST) Shareholders Might Be Looking For Exit

Jun 13
Upstart Holdings, Inc.'s (NASDAQ:UPST) Shareholders Might Be Looking For Exit

Upstart: Buy Weakness (Rating Upgrade)

Jun 12

Upstart: A Great Anti-Cyclical AI Lending Bet

May 24

Upstart: The Bonds With The 13% YTM Remain The Best Play

May 08

Upstart: A Coiled Spring Waiting For Lower Interest Rates (Rating Upgrade)

Apr 23

Upstart Holdings: Lower Volumes Likely To Persist

Apr 05

Upstart Holdings: Still Too Risky

Mar 24

Upstart Holdings, Inc. (NASDAQ:UPST) Shares Slammed 25% But Getting In Cheap Might Be Difficult Regardless

Mar 13
Upstart Holdings, Inc. (NASDAQ:UPST) Shares Slammed 25% But Getting In Cheap Might Be Difficult Regardless

Upstart Holdings: A No-Brainer Buy Before The Fed Shift Kicks Off

Mar 12

Upstart: An Uphill Battle

Mar 05

Upstart: I Warned About Its Overhype In December - What's Next (Upgrade)

Feb 22

Upstart Q4: Struggles With Debt And Profitability Challenges (Downgrade)

Feb 14

Upstart Holdings, Inc. (NASDAQ:UPST) Analysts Just Cut Their EPS Forecasts Substantially

Feb 14
Upstart Holdings, Inc. (NASDAQ:UPST) Analysts Just Cut Their EPS Forecasts Substantially

Upstart: Red Flags Of The AI Model And The Company's Response

Feb 07

Upstart's Upcoming Q4 Drama: Bullish Dreams And The Borrowing Blues

Feb 01

Upstart: Indicators Suggest Weak Start To 2024 (Downgrade)

Jan 23

After Leaping 54% Upstart Holdings, Inc. (NASDAQ:UPST) Shares Are Not Flying Under The Radar

Dec 30
After Leaping 54% Upstart Holdings, Inc. (NASDAQ:UPST) Shares Are Not Flying Under The Radar

Earnings and Revenue Growth Forecasts

NasdaqGS:UPST - Analysts future estimates and past financials data (USD Millions)
DateRevenueEarningsFree Cash FlowCash from OpAvg. No. Analysts
12/31/2026995-2-14210
12/31/2025822-90-5713
12/31/2024599-16625225613
9/30/2024605-16895103N/A
6/30/2024576-202-193-184N/A
3/31/2024577-175-41-32N/A
12/31/2023548-240-173-160N/A
9/30/2023546-253-234-219N/A
6/30/2023562-269-231-213N/A
3/31/2023652-271-507-484N/A
12/31/2022853-109-698-675N/A
9/30/20221,0076-457-433N/A
6/30/20221,07691-311-288N/A
3/31/20221,041158-161-142N/A
12/31/2021852135153168N/A
9/30/202163476237248N/A
6/30/202147249215222N/A
3/31/20212979140145N/A
12/31/2020241N/A1016N/A
9/30/20202216-51-42N/A
12/31/201919102632N/A
12/31/2018126-124950N/A
12/31/201767-8N/A10N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: UPST is forecast to remain unprofitable over the next 3 years.

Earnings vs Market: UPST is forecast to remain unprofitable over the next 3 years.

High Growth Earnings: UPST is forecast to remain unprofitable over the next 3 years.

Revenue vs Market: UPST's revenue (21.2% per year) is forecast to grow faster than the US market (9.2% per year).

High Growth Revenue: UPST's revenue (21.2% per year) is forecast to grow faster than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: UPST's Return on Equity is forecast to be low in 3 years time (9.7%).

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/27 23:07
End of Day Share Price 2024/12/27 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

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Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Upstart Holdings, Inc. is covered by 22 analysts. 13 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Ishan MajumdarBaptista Research
Ramsey El-AssalBarclays
Nathaniel SchindlerBofA Global Research