Upstart Holdings Inc (UPST)

NASDAQ
Currency in USD
57.07
-0.67(-1.16%)
Closed
Pre Market
58.49+1.42(+2.49%)
UPST Scorecard
Full Analysis
7 analysts have revised their earnings upwards for the upcoming period
Fair Value
Day's Range
55.2057.80
52 wk Range
20.6088.95
Key Statistics
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Prev. Close
57.07
Open
55.39
Day's Range
55.2-57.8
52 wk Range
20.6-88.95
Volume
5.21M
Average Vol. (3m)
7.23M
1-Year Change
78.62%
Book Value / Share
6.65
Fair Value
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Fair Value Upside
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UPST Scorecardpro icon
Company’s Health
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Fair Value
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Fair Pricepro lock
Upsidepro lock
Price Target
62.11
Upside
+8.83%
Members' Sentiments
Bearish
Bullish
ProTips
Stock generally trades with high price volatility
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Upstart Holdings Inc Company Profile

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.

Employees
1388

Upstart Holdings Inc SWOT Analysis


Growth vs. Headwinds
Analyst targets range from $25 to $35, reflecting mixed views on Upstart's ability to navigate macroeconomic challenges and capitalize on new market segments
Funding Evolution
Learn how Upstart's strategic shift towards a fee-based marketplace model and reduced on-balance sheet loans is reshaping its financial stability
Financial Rollercoaste
Delve into Upstart's journey from losses to positive adjusted EBITDA, with revenue surpassing expectations amid ongoing profitability challenges
AI-Driven Disruption
Explore Upstart's revolutionary AI lending platform, boasting a 90% automation rate and potential to redefine credit assessment in the fintech industry
Read full SWOT analysis

Upstart Holdings Inc Earnings Call Summary for Q3/2024

  • Q3 revenue from fees up 28% to $168M; loan transactions grew 64% YoY to 188,000
  • Auto loan originations up 46%, HELOC business doubled; partnership with Blue Owl for $2B in loan purchases
  • Q3 GAAP net loss of $7M; positive adjusted EBITDA of $1M achieved ahead of expectations
  • Q4 forecast: $180M revenue, $5M adjusted EBITDA; continued focus on AI advancements and product expansion
  • CEO sees AI improvements and new products as key growth drivers; CFO expects potential benefits from future Fed rate cuts
Last Updated: 11/08/2024, 02:13 PM
Read Full Transcript

Compare UPST to Peers and Sector

Metrics to compare
UPST
Peers
Sector
Relationship
P/E Ratio
−30.9x5.2x8.8x
PEG Ratio
−0.830.020.03
Price / Book
8.7x2.6x1.0x
Price / LTM Sales
8.6x1.6x2.8x
Upside (Analyst Target)
26.1%26.9%18.5%
Fair Value Upside
Unlock9.9%4.3%Unlock

Analyst Ratings

5 Buy
6 Hold
5 Sell
Ratings:
16 analysts
Overall Consensus
Neutral

Analysts 12-Month Price Target:

Average 62.11

(+8.83% Upside)

Earnings

Latest Release
Nov 7, 2024
EPS / Forecast
-0.06 / -0.15
Revenue / Forecast
162.14M / 149.32M
EPS Revisions
Last 90 days

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FAQ

What Is the Upstart (UPST) Stock Price Today?

The Upstart stock price today is 57.07

What Stock Exchange Does Upstart Trade On?

Upstart is listed and trades on the NASDAQ stock exchange.

What Is the Stock Symbol for Upstart?

The stock symbol for Upstart is "UPST."

What Is the Upstart Market Cap?

As of today, Upstart market cap is 5.21B.

What is Upstart Earnings Per Share?

The Upstart EPS is -1.92.

What Is the Next Upstart Earnings Date?

Upstart will release its next earnings report on Feb 18, 2025.

From a Technical Analysis Perspective, Is UPST a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Sell.
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