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UPST

Upstart HoldingsNasdaqGS:UPST Stock Report

Market Cap

US$17.2b

7D

1.2%

1Y

n/a

Updated

26 Nov, 2021

Data

Company Financials +
UPST fundamental analysis
Snowflake Score
Valuation0/6
Future Growth6/6
Past Performance5/6
Financial Health5/6
Dividends0/6

UPST Stock Overview

Upstart Holdings, Inc. operates a cloud- based artificial intelligence (AI) lending platform.

Upstart Holdings Competitors

MoneyLion

NYSE:ML

US$1.1b

Price History & Performance

Summary of all time highs, changes and price drops for Upstart Holdings
Historical stock prices
Current Share PriceUS$209.41
52 Week HighUS$401.49
52 Week LowUS$22.61
Beta0
1 Month Change-33.42%
3 Month Change-6.17%
1 Year Changen/a
3 Year Changen/a
5 Year Changen/a
Change since IPO610.59%

Recent News & Updates

Shareholder Returns

UPSTUS Consumer FinanceUS Market
7D1.2%-4.9%-2.7%
1Yn/a27.4%21.3%

Return vs Industry: Insufficient data to determine how UPST performed against the US Consumer Finance industry.

Return vs Market: Insufficient data to determine how UPST performed against the US Market.

Price Volatility

Is UPST's price volatile compared to industry and market?
UPST volatility
UPST Average Weekly Movement11.7%
Consumer Finance Industry Average Movement6.8%
Market Average Movement5.9%
10% most volatile stocks in US Market15.1%
10% least volatile stocks in US Market2.2%

Stable Share Price: UPST is more volatile than 75% of US stocks over the past 3 months, typically moving +/- 12% a week.

Volatility Over Time: UPST's weekly volatility has decreased from 21% to 12% over the past year, but is still higher than 75% of US stocks.

About the Company

FoundedEmployeesCEOWebsite
2012554Dave Girouardhttps://www.upstart.com

Upstart Holdings, Inc. operates a cloud- based artificial intelligence (AI) lending platform. The company’s platform aggregates consumer demand for loans and connects it to its network of the company’s AI- enabled bank partners. Its platform connects consumers, banks, and institutional investors through a shared AI lending platform.

Upstart Holdings Fundamentals Summary

How do Upstart Holdings's earnings and revenue compare to its market cap?
UPST fundamental statistics
Market CapUS$17.16b
Earnings (TTM)US$76.50m
Revenue (TTM)US$634.32m

224.4x

P/E Ratio

27.1x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
UPST income statement (TTM)
RevenueUS$634.32m
Cost of RevenueUS$89.32m
Gross ProfitUS$545.00m
ExpensesUS$468.50m
EarningsUS$76.50m

Last Reported Earnings

Sep 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)0.93
Gross Margin85.92%
Net Profit Margin12.06%
Debt/Equity Ratio90.3%

How did UPST perform over the long term?

See historical performance and comparison

Valuation

Is Upstart Holdings undervalued compared to its fair value and its price relative to the market?

224.35x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: UPST ($209.41) is trading above our estimate of fair value ($1.06)

Significantly Below Fair Value: UPST is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: UPST is poor value based on its PE Ratio (224.4x) compared to the US Consumer Finance industry average (7.2x).

PE vs Market: UPST is poor value based on its PE Ratio (224.4x) compared to the US market (17.2x).


Price to Earnings Growth Ratio

PEG Ratio: UPST is poor value based on its PEG Ratio (6x)


Price to Book Ratio

PB vs Industry: UPST is overvalued based on its PB Ratio (23.9x) compared to the US Consumer Finance industry average (1.5x).


Future Growth

How is Upstart Holdings forecast to perform in the next 1 to 3 years based on estimates from 7 analysts?

37.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: UPST's forecast earnings growth (37.6% per year) is above the savings rate (2%).

Earnings vs Market: UPST's earnings (37.6% per year) are forecast to grow faster than the US market (14.3% per year).

High Growth Earnings: earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: UPST's revenue (33.1% per year) is forecast to grow faster than the US market (10.1% per year).

High Growth Revenue: UPST's revenue (33.1% 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 high in 3 years time (24.3%)


Past Performance

How has Upstart Holdings performed over the past 5 years?

82.5%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: UPST has high quality earnings.

Growing Profit Margin: UPST's current net profit margins (12.1%) are higher than last year (2.7%).


Past Earnings Growth Analysis

Earnings Trend: UPST's earnings have grown significantly by 82.5% per year over the past 5 years.

Accelerating Growth: UPST's earnings growth over the past year (1164.2%) exceeds its 5-year average (82.5% per year).

Earnings vs Industry: UPST earnings growth over the past year (1164.2%) exceeded the Consumer Finance industry 121.9%.


Return on Equity

High ROE: UPST's Return on Equity (10.8%) is considered low.


Financial Health

How is Upstart Holdings's financial position?


Financial Position Analysis

Short Term Liabilities: UPST's short term assets ($1.3B) exceed its short term liabilities ($77.7M).

Long Term Liabilities: UPST's short term assets ($1.3B) exceed its long term liabilities ($809.3M).


Debt to Equity History and Analysis

Debt Level: UPST has more cash than its total debt.

Reducing Debt: Insufficient data to determine if UPST's debt to equity ratio has reduced over the past 5 years.

Debt Coverage: UPST's debt is well covered by operating cash flow (38.2%).

Interest Coverage: UPST's interest payments on its debt are well covered by EBIT (26.5x coverage).


Balance Sheet


Dividend

What is Upstart Holdings's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate UPST's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate UPST's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if UPST's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if UPST's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of UPST's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

8.7yrs

Average management tenure


CEO

Dave Girouard (55 yo)

7.92yrs

Tenure

US$8,763,722

Compensation

Mr. David J. Girouard, also known as Dave, is the Co-Founder of Upstart Holdings, Inc. and has been its Chief Executive Officer and Chairperson of the Board since December 2013. Mr. Girouard has been Direc...


CEO Compensation Analysis

Compensation vs Market: Dave's total compensation ($USD8.76M) is about average for companies of similar size in the US market ($USD11.11M).

Compensation vs Earnings: Dave's compensation has increased by more than 20% in the past year.


Leadership Team

Experienced Management: UPST's management team is seasoned and experienced (8.7 years average tenure).


Board Members

Experienced Board: UPST's board of directors are not considered experienced ( 2.3 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: UPST insiders have only sold shares in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: UPST only recently listed within the past 12 months.


Top Shareholders

Company Information

Upstart Holdings, Inc.'s employee growth, exchange listings and data sources


Key Information

  • Name: Upstart Holdings, Inc.
  • Ticker: UPST
  • Exchange: NasdaqGS
  • Founded: 2012
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: US$17.163b
  • Shares outstanding: 81.96m
  • Website: https://www.upstart.com

Number of Employees


Location

  • Upstart Holdings, Inc.
  • 2950 South Delaware Street
  • Suite 300
  • San Mateo
  • California
  • 94403
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/11/26 23:23
End of Day Share Price2021/11/26 00:00
Earnings2021/09/30
Annual Earnings2020/12/31


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.