UPST Stock Overview
Operates a cloud-based artificial intelligence (AI) lending platform in the United States.
| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 1/6 |
| Past Performance | 0/6 |
| Financial Health | 4/6 |
| Dividends | 0/6 |
Rewards
Risk Analysis
Upstart Holdings, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$55.47 |
| 52 Week High | US$57.40 |
| 52 Week Low | US$19.84 |
| Beta | 2.02 |
| 11 Month Change | 29.33% |
| 3 Month Change | 53.02% |
| 1 Year Change | 162.64% |
| 33 Year Change | -77.45% |
| 5 Year Change | n/a |
| Change since IPO | 88.23% |
Recent News & Updates
Upstart: Sell Strength (Rating Downgrade)
Oct 26Upstart Holdings, Inc. - Start Of Profit Taking And A Pullback
Oct 17Upstart Holdings, Inc.'s (NASDAQ:UPST) P/S Is Still On The Mark Following 28% Share Price Bounce
Oct 11
Recent updates
Upstart: Sell Strength (Rating Downgrade)
Oct 26Upstart Holdings, Inc. - Start Of Profit Taking And A Pullback
Oct 17Upstart Holdings, Inc.'s (NASDAQ:UPST) P/S Is Still On The Mark Following 28% Share Price Bounce
Oct 11Things Are Looking Up For Upstart As We Enter An Easing Cycle
Sep 24Why I Sold Upstart (Ratings Downgrade)
Sep 12Upstart Can Move Higher On Short Interest, Efficiency Gains
Aug 22Investors Appear Satisfied With Upstart Holdings, Inc.'s (NASDAQ:UPST) Prospects As Shares Rocket 32%
Aug 18Upstart Q2 Earnings: A Lofty Price Of 50x EBITDA For This Fintech
Aug 07Navigating Uncertainty: Understanding The Risks And Rewards Of Investing In Upstart Holdings
Jul 25Upstart: Turning A Corner With Growth And Profitability To Return
Jul 12Upstart Holdings, Inc.'s (NASDAQ:UPST) Shareholders Might Be Looking For Exit
Jun 13Upstart: Buy Weakness (Rating Upgrade)
Jun 12Upstart: A Great Anti-Cyclical AI Lending Bet
May 24Upstart: The Bonds With The 13% YTM Remain The Best Play
May 08Upstart: A Coiled Spring Waiting For Lower Interest Rates (Rating Upgrade)
Apr 23Upstart Holdings: Lower Volumes Likely To Persist
Apr 05Upstart Holdings: Still Too Risky
Mar 24Upstart Holdings, Inc. (NASDAQ:UPST) Shares Slammed 25% But Getting In Cheap Might Be Difficult Regardless
Mar 13Upstart Holdings: A No-Brainer Buy Before The Fed Shift Kicks Off
Mar 12Upstart: An Uphill Battle
Mar 05Upstart: I Warned About Its Overhype In December - What's Next (Upgrade)
Feb 22Upstart Q4: Struggles With Debt And Profitability Challenges (Downgrade)
Feb 14Upstart Holdings, Inc. (NASDAQ:UPST) Analysts Just Cut Their EPS Forecasts Substantially
Feb 14Upstart: Red Flags Of The AI Model And The Company's Response
Feb 07Upstart's Upcoming Q4 Drama: Bullish Dreams And The Borrowing Blues
Feb 01Upstart: Indicators Suggest Weak Start To 2024 (Downgrade)
Jan 23After Leaping 54% Upstart Holdings, Inc. (NASDAQ:UPST) Shares Are Not Flying Under The Radar
Dec 30Shareholder Returns
| UPST | US Consumer Finance | US Market | |
|---|---|---|---|
| 7D | 13.9% | 9.2% | 5.1% |
| 1Y | 162.6% | 81.6% | 37.7% |
Return vs Industry: UPST exceeded the US Consumer Finance industry which returned 81.6% over the past year.
Return vs Market: UPST exceeded the US Market which returned 37.7% over the past year.
Price Volatility
| UPST volatility | |
|---|---|
| UPST Average Weekly Movement | 10.6% |
| Consumer Finance Industry Average Movement | 7.2% |
| Market Average Movement | 6.2% |
| 10% most volatile stocks in US Market | 15.1% |
| 10% least volatile stocks in US Market | 2.9% |
Stable Share Price: UPST's share price has been volatile over the past 3 months compared to the US market.
Volatility Over Time: UPST's weekly volatility (11%) has been stable over the past year, but is still higher than 75% of US stocks.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2012 | 1,388 | 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
| UPST fundamental statistics | |
|---|---|
| Market cap | US$4.83b |
| Earnings (TTM) | -US$201.78m |
| Revenue (TTM) | US$575.96m |
8.6x
P/S Ratio-24.6x
P/E RatioIs UPST overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| UPST 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 UPST perform over the long term?
See historical performance and comparison