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 |
Upstart Holdings, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$24.72 |
| 52 Week High | US$72.58 |
| 52 Week Low | US$19.84 |
| Beta | 2.01 |
| 1 Month Change | 2.36% |
| 3 Month Change | -2.79% |
| 1 Year Change | -16.40% |
| 3 Year Change | -84.93% |
| 5 Year Change | n/a |
| Change since IPO | -16.12% |
Recent News & Updates
Upstart: A Great Anti-Cyclical AI Lending Bet
May 24Upstart: The Bonds With The 13% YTM Remain The Best Play
May 08Recent updates
Upstart: 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 13
Upstart 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 30Upstart Holdings, Inc. (NASDAQ:UPST) Analysts Just Trimmed Their Revenue Forecasts By 33%
Feb 15Upstart: What's Up With The Relative Strength?
Oct 14Shareholder Returns
| UPST | US Consumer Finance | US Market | |
|---|---|---|---|
| 7D | 5.9% | 0.8% | -0.6% |
| 1Y | -16.4% | 31.1% | 22.2% |
Return vs Industry: UPST underperformed the US Consumer Finance industry which returned 31.1% over the past year.
Return vs Market: UPST underperformed the US Market which returned 22.2% over the past year.
Price Volatility
| UPST volatility | |
|---|---|
| UPST Average Weekly Movement | 9.5% |
| Consumer Finance Industry Average Movement | 5.6% |
| Market Average Movement | 5.8% |
| 10% most volatile stocks in US Market | 15.7% |
| 10% least volatile stocks in US Market | 2.9% |
Stable Share Price: UPST has not had significant price volatility in the past 3 months.
Volatility Over Time: UPST's weekly volatility (9%) has been stable over the past year.
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$2.17b |
| Earnings (TTM) | -US$175.48m |
| Revenue (TTM) | US$576.91m |
3.8x
P/S Ratio-12.4x
P/E RatioIs UPST overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| UPST income statement (TTM) | |
|---|---|
| Revenue | US$576.91m |
| Cost of Revenue | US$149.24m |
| Gross Profit | US$427.67m |
| Other Expenses | US$603.15m |
| Earnings | -US$175.48m |
Last Reported Earnings
Mar 31, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | -2.00 |
| Gross Margin | 74.13% |
| Net Profit Margin | -30.42% |
| Debt/Equity Ratio | 185.1% |
How did UPST perform over the long term?
See historical performance and comparison