Upstart Holdingsinc Stock Analysis
| UPST Stock | USD 22.08 0.21 0.96% |
Upstart HoldingsInc is fairly valued with Real Value of 22.22 and Target Price of 23.74. The main objective of Upstart HoldingsInc stock analysis is to determine its intrinsic value, which is an estimate of what Upstart HoldingsInc is worth, separate from its market price. There are two main types of Upstart HoldingsInc's stock analysis: fundamental analysis and technical analysis. Fundamental analysis focuses on the financial and economic factors that affect Upstart HoldingsInc's performance, such as revenue growth, earnings, and financial stability. Technical analysis, on the other hand, focuses on the price and volume data of Upstart HoldingsInc's stock to identify patterns and trends that may indicate its future price movements.
The Upstart HoldingsInc stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Upstart HoldingsInc is usually not traded on Thanksgiving Day, Christmas Day, New Year 's Day, Dr . Martin Luther King Jr 's Birthday, Washington 's Birthday, Good Friday, Memorial Day, Juneteenth Holiday, Independence Day, Labour Day. Upstart Stock trading window is adjusted to America/New York timezone. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and Upstart HoldingsInc's ongoing operational relationships across important fundamental and technical indicators.
Upstart |
Upstart Stock Analysis Notes
About 13.0% of the company outstanding shares are owned by insiders. The book value of Upstart HoldingsInc was at this time reported as 7.36. The company recorded a loss per share of 2.87. Upstart HoldingsInc had not issued any dividends in recent years. Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence lending platform in the United States. The company was founded in 2012 and is headquartered in San Mateo, California. Upstart Holdings operates under Credit Services classification in the United States and is traded on NASDAQ Exchange. It employs 1497 people. For more information please call the company at 833 212 2461 or visit https://www.upstart.com.Upstart HoldingsInc Quarterly Total Revenue |
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Upstart HoldingsInc Investment Alerts
Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. Upstart HoldingsInc's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding Upstart HoldingsInc or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
| Upstart HoldingsInc generated a negative expected return over the last 90 days | |
| Upstart HoldingsInc has high historical volatility and very poor performance | |
| Upstart HoldingsInc has high likelihood to experience some financial distress in the next 2 years | |
| The company reported the previous year's revenue of 513.56 M. Net Loss for the year was (240.13 M) with profit before overhead, payroll, taxes, and interest of 665.29 M. | |
| Upstart HoldingsInc currently holds about 683.97 M in cash with (160.49 M) of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 8.35. | |
| Roughly 13.0% of the company outstanding shares are owned by insiders | |
| Latest headline from simplywall.st: Insider Sellers Might Regret Selling Upstart Holdings Shares at a Lower Price Than Current Market Value |
Upstart HoldingsInc Upcoming and Recent Events
Earnings reports are used by Upstart HoldingsInc to provide an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Every quarterly earnings report provides investors with three things: an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Upstart HoldingsInc previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 13th of February 2024 Upcoming Quarterly Report | View | |
| 14th of May 2024 Next Financial Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View | |
| 13th of February 2024 Next Fiscal Year End | View | |
| 30th of September 2023 Last Quarter Report | View | |
| 31st of December 2022 Last Financial Announcement | View |
Upstart Largest EPS Surprises
Earnings surprises can significantly impact Upstart HoldingsInc's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2024-02-13 | 2023-12-31 | -0.14 | -0.11 | 0.03 | 21 | ||
2023-11-07 | 2023-09-30 | -0.02 | -0.05 | -0.03 | 150 | ||
2021-03-17 | 2020-12-31 | 0.02 | 0.07 | 0.05 | 250 |
Upstart Stock Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Upstart HoldingsInc is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Upstart HoldingsInc backward and forwards among themselves. Upstart HoldingsInc's institutional investor refers to the entity that pools money to purchase Upstart HoldingsInc's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Voloridge Investment Management, Llc | 2023-09-30 | 1.2 M | Two Sigma Investments Llc | 2023-12-31 | 1.1 M | Mirae Asset Global Investments (korea) Co Ltd | 2023-12-31 | 1 M | Northern Trust Corp | 2023-12-31 | 711.8 K | Coatue Management Llc | 2023-12-31 | 684.8 K | Citadel Advisors Llc | 2023-09-30 | 661.1 K | Charles Schwab Investment Management Inc | 2023-12-31 | 573.2 K | Norges Bank | 2023-12-31 | 465.4 K | Barclays Plc | 2023-12-31 | 421.6 K | Vanguard Group Inc | 2023-12-31 | 7 M | Blackrock Inc | 2023-12-31 | 5.5 M |
Upstart Market Capitalization
The company currently falls under 'Mid-Cap' category with a current market capitalization of 1.94 B. Market capitalization usually refers to the total value of a company's stock within the entire market. To calculate Upstart HoldingsInc's market, we take the total number of its shares issued and multiply it by Upstart HoldingsInc's current market price. To manage market risk and economic uncertainty, many investors today build portfolios that are diversified across equities with different market capitalizations. However, as a general rule, conservative investors tend to hold large-cap stocks, and those looking for more risk prefer small-cap and mid-cap equities.Upstart Profitablity
Upstart HoldingsInc's profitability indicators refer to fundamental financial ratios that showcase Upstart HoldingsInc's ability to generate income relative to its revenue or operating costs. If, let's say, Upstart HoldingsInc is currently losing money, the management's focus should be on how to reverse that trend. However, when revenue exceeds expenses, Upstart HoldingsInc's executives or investors may be in less hurry to break that information down - which is where profitability analysis comes into play. Gaining a greater understanding of Upstart HoldingsInc's profitability requires more research than a typical breakdown of Upstart HoldingsInc's financial statements. By doing a profitability analysis, companies can identify areas needing attention, and investors can make a profitable trade.
The company has Profit Margin (PM) of (0.44) %, which may suggest that it does not properly executes on its current pricing strategies or is unable to control all of the operational costs. This is way below average. Similarly, it shows Operating Margin (OM) of (0.33) %, which suggests for every $100 dollars of sales, it generated a net operating loss of $0.33. | Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | (0.12) | (0.12) | |
| Return On Capital Employed | (0.14) | (0.13) | |
| Return On Assets | (0.12) | (0.11) | |
| Return On Equity | (0.38) | (0.36) |
Management Efficiency
Upstart HoldingsInc has return on total asset (ROA) of (0.0701) % which means that it has lost $0.0701 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of (0.3673) %, meaning that it created substantial loss on money invested by shareholders. Upstart HoldingsInc's management efficiency ratios could be used to measure how well Upstart HoldingsInc manages its routine affairs as well as how well it operates its assets and liabilities. Return On Tangible Assets is likely to gain to -0.12 in 2024. Return On Capital Employed is likely to gain to -0.13 in 2024. Total Current Liabilities is likely to drop to about 120.7 M in 2024. Liabilities And Stockholders Equity is likely to drop to about 1.3 B in 2024| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 7.58 | 7.96 | |
| Net Current Asset Value | 0.00 | 0.00 | |
| Tangible Asset Value | 0.00 | 0.00 | |
| Tangible Book Value Per Share | 6.65 | 6.98 | |
| Enterprise Value Over EBITDA | (18.13) | (17.22) | |
| Price Book Value Ratio | 5.39 | 5.66 | |
| Enterprise Value Multiple | (18.13) | (17.22) | |
| Price Fair Value | 5.39 | 5.66 | |
| Enterprise Value | 4.2 B | 3.1 B |
The analysis of Upstart HoldingsInc's management efficiency is an essential part of evaluating and assessing the financial and operational performance of the entity. It is also vital to analyze Upstart HoldingsInc's future growth prospects and the overall market conditions to determine the value and potential of its stock. The analysis involves studying a range of financial metrics such as revenue, earnings, profit margins, cash flow, debt, market share, and external factors such as economic trends, industry outlook, competition, and government regulations. The goal of Upstart Stock analysis is to determine whether it is undervalued, fairly valued, or overvalued and to make informed investment decisions.
Beta 1.944 |
Technical Drivers
As of the 23rd of April, Upstart HoldingsInc has the Risk Adjusted Performance of (0.04), coefficient of variation of (1,159), and Variance of 22.23. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of Upstart HoldingsInc, as well as the relationship between them. In other words, you can use this information to find out if the company will indeed mirror its model of past prices and volume data, or the prices will eventually revert. We are able to interpolate and collect thirteen technical drivers for Upstart HoldingsInc, which can be compared to its competition. Please validate Upstart HoldingsInc market risk adjusted performance and treynor ratio to decide if Upstart HoldingsInc is priced more or less accurately, providing market reflects its prevalent price of 22.08 per share. Given that Upstart HoldingsInc has information ratio of (0.11), we advise you to double-check Upstart HoldingsInc's current market performance to make sure the company can sustain itself at a future point.Upstart HoldingsInc Price Movement Analysis
Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. Upstart HoldingsInc middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for Upstart HoldingsInc. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.
Upstart HoldingsInc Insider Trading Activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Upstart HoldingsInc insiders, such as employees or executives, is commonly permitted as long as it does not rely on Upstart HoldingsInc's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Upstart HoldingsInc insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Paul Gu 3 days ago Disposition of 60000 shares by Paul Gu of Upstart HoldingsInc at 26.3112 subject to Rule 16b-3 | ||
Datta Sanjay over a month ago Disposition of 1000 shares by Datta Sanjay of Upstart HoldingsInc at 27.5 subject to Rule 16b-3 | ||
Datta Sanjay over a month ago Disposition of 1000 shares by Datta Sanjay of Upstart HoldingsInc at 26.21 subject to Rule 16b-3 | ||
Scott Darling over a month ago Disposition of 1000 shares by Scott Darling of Upstart HoldingsInc at 25.4229 subject to Rule 16b-3 | ||
Natalia Mirgorodskaya over a month ago Disposition of 1919 shares by Natalia Mirgorodskaya of Upstart HoldingsInc at 24.3 subject to Rule 16b-3 | ||
Alison Nicoll over six months ago Sale by Alison Nicoll of 400 shares of Upstart HoldingsInc |
Upstart HoldingsInc Predictive Daily Indicators
Upstart HoldingsInc intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Upstart HoldingsInc stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Upstart HoldingsInc Corporate Filings
| 5th of April 2024 Other Reports | ViewVerify | |
F4 | 3rd of April 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F4 | 13th of March 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F4 | 6th of March 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F4 | 4th of March 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F4 | 28th of February 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F4 | 27th of February 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F4 | 22nd of February 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
Upstart HoldingsInc Forecast Models
Upstart HoldingsInc's time-series forecasting models are one of many Upstart HoldingsInc's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Upstart HoldingsInc's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.About Upstart Stock Analysis
Stock analysis is the technique used by a trader or investor to examine and evaluate how Upstart HoldingsInc prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Upstart shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Upstart HoldingsInc. By using and applying Upstart Stock analysis, traders can create a robust methodology for identifying Upstart entry and exit points for their positions.
| Last Reported | Projected for Next Year | ||
| Pretax Profit Margin | (0.47) | (0.44) | |
| Operating Profit Margin | (0.50) | (0.47) | |
| Net Loss | (0.47) | (0.44) | |
| Gross Profit Margin | 0.95 | 0.69 |
Current Upstart Analysis - Recommendations
We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Upstart analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Upstart analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
| Target Price | Advice | # of Analysts | |
| 23.74 | Hold | 16 | Odds |
Most Upstart analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Upstart stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Upstart HoldingsInc, talking to its executives and customers, or listening to Upstart conference calls.
Upstart Stock Analysis Indicators
Upstart HoldingsInc stock analysis indicators help investors evaluate how Upstart HoldingsInc stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Upstart HoldingsInc shares will generate the highest return on investment. By understating and applying Upstart HoldingsInc stock analysis, traders can identify Upstart HoldingsInc position entry and exit signals to maximize returns.
| Begin Period Cash Flow | 532.5 M | |
| Long Term Debt | 653 M | |
| Common Stock Shares Outstanding | 83.8 M | |
| Total Stockholder Equity | 635.3 M | |
| Tax Provision | -420 K | |
| Quarterly Earnings Growth Y O Y | 2.091 | |
| Property Plant And Equipment Net | 97.3 M | |
| Cash And Short Term Investments | 467.8 M | |
| Cash | 467.8 M | |
| Accounts Payable | 12.6 M | |
| Net Debt | 776.4 M | |
| 50 Day M A | 25.681 | |
| Total Current Liabilities | 139.4 M | |
| Other Operating Expenses | 770.1 M | |
| Non Current Assets Total | 1.5 B | |
| Forward Price Earnings | 44.843 | |
| Non Currrent Assets Other | 45.5 M | |
| Stock Based Compensation | 175 M |
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Upstart HoldingsInc. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in state. For more information on how to buy Upstart Stock please use our How to Invest in Upstart HoldingsInc guide.You can also try the Pair Correlation module to compare performance and examine fundamental relationship between any two equity instruments.
Complementary Tools for Upstart Stock analysis
When running Upstart HoldingsInc's price analysis, check to measure Upstart HoldingsInc's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Upstart HoldingsInc is operating at the current time. Most of Upstart HoldingsInc's value examination focuses on studying past and present price action to predict the probability of Upstart HoldingsInc's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Upstart HoldingsInc's price. Additionally, you may evaluate how the addition of Upstart HoldingsInc to your portfolios can decrease your overall portfolio volatility.
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Is Upstart HoldingsInc's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Upstart HoldingsInc. If investors know Upstart will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Upstart HoldingsInc listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 2.091 | Earnings Share (2.87) | Revenue Per Share 6.547 | Quarterly Revenue Growth 0.019 | Return On Assets (0.07) |
The market value of Upstart HoldingsInc is measured differently than its book value, which is the value of Upstart that is recorded on the company's balance sheet. Investors also form their own opinion of Upstart HoldingsInc's value that differs from its market value or its book value, called intrinsic value, which is Upstart HoldingsInc's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Upstart HoldingsInc's market value can be influenced by many factors that don't directly affect Upstart HoldingsInc's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Upstart HoldingsInc's value and its price as these two are different measures arrived at by different means. Investors typically determine if Upstart HoldingsInc is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Upstart HoldingsInc's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.