UPST Stock Overview
Upstart Holdings, Inc. operates a cloud- based artificial intelligence (AI) lending platform.
Upstart Holdings Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$212.51|
|52 Week High||US$401.49|
|52 Week Low||US$22.61|
|1 Month Change||-34.01%|
|3 Month Change||-7.25%|
|1 Year Change||n/a|
|3 Year Change||n/a|
|5 Year Change||n/a|
|Change since IPO||621.11%|
Recent News & Updates
|UPST||US Consumer Finance||US Market|
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.
|UPST Average Weekly Movement||11.7%|
|Consumer Finance Industry Average Movement||6.8%|
|Market Average Movement||6.0%|
|10% most volatile stocks in US Market||15.0%|
|10% least volatile stocks in US Market||2.3%|
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
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
|UPST fundamental statistics|
Is UPST overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|UPST income statement (TTM)|
|Cost of Revenue||US$89.32m|
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
|Earnings per share (EPS)||0.93|
|Net Profit Margin||12.06%|
How did UPST perform over the long term?See historical performance and comparison
Is Upstart Holdings undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: UPST ($212.51) is trading above our estimate of fair value ($1.07)
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 (227.7x) compared to the US Consumer Finance industry average (7x).
PE vs Market: UPST is poor value based on its PE Ratio (227.7x) compared to the US market (17.1x).
Price to Earnings Growth Ratio
PEG Ratio: UPST is poor value based on its PEG Ratio (6.1x)
Price to Book Ratio
PB vs Industry: UPST is overvalued based on its PB Ratio (24.2x) compared to the US Consumer Finance industry average (1.5x).
How is Upstart Holdings forecast to perform in the next 1 to 3 years based on estimates from 7 analysts?
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%)
How has Upstart Holdings performed over the past 5 years?
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.
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 ($809.3M).
Debt to Equity History and Analysis
Debt Level: UPST has more cash than its total debt.
Reducing Debt: Insufficient data to determine if UPST's debt to equity ratio has reduced over the past 5 years.
Debt Coverage: UPST's debt is well covered by operating cash flow (38.2%).
Interest Coverage: UPST's interest payments on its debt are well covered by EBIT (26.5x coverage).
What is Upstart Holdings's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate UPST's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate UPST's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if UPST's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if UPST's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of UPST's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Dave Girouard (55 yo)
Mr. David J. Girouard, also known as Dave, is the Co-Founder of Upstart Holdings, Inc. and has been its Chief Executive Officer and Chairperson of the Board since December 2013. Mr. Girouard has been Direc...
CEO Compensation Analysis
Compensation vs Market: Dave's total compensation ($USD8.76M) is about average for companies of similar size in the US market ($USD11.14M).
Compensation vs Earnings: Dave's compensation has increased by more than 20% in the past year.
Experienced Management: UPST's management team is seasoned and experienced (8.7 years average tenure).
Experienced Board: UPST's board of directors are not considered experienced ( 2.3 years average tenure), which suggests a new board.
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
Dilution of Shares: UPST only recently listed within the past 12 months.
Upstart Holdings, Inc.'s employee growth, exchange listings and data sources
- Name: Upstart Holdings, Inc.
- Ticker: UPST
- Exchange: NasdaqGS
- Founded: 2012
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: US$17.417b
- Shares outstanding: 81.96m
- Website: https://www.upstart.com
Number of Employees
- Upstart Holdings, Inc.
- 2950 South Delaware Street
- Suite 300
- San Mateo
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/11/30 00:30|
|End of Day Share Price||2021/11/29 00:00|
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.