Based on the key indicators related to Upstart Holdings' liquidity, profitability, solvency, and operating efficiency, Upstart Holdings is not in a good financial situation at the present time. It has a very high chance of going through financial crunch in December. At this time, Upstart Holdings' Capital Lease Obligations is comparatively stable compared to the past year. Intangible Assets is likely to gain to about 21.1 M in 2024, whereas Short and Long Term Debt Total is likely to drop slightly above 634 M in 2024. Key indicators impacting Upstart Holdings' financial strength include:
The essential information of the day-to-day investment outlook for Upstart Holdings includes many different criteria found on its balance sheet. An individual investor should monitor Upstart Holdings' cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Upstart Holdings.
Net Income
(228.13 Million)
Upstart
Select Account or Indicator
Market Cap
Enterprise Value
Price To Sales Ratio
Ptb Ratio
Book Value Per Share
Free Cash Flow Yield
Operating Cash Flow Per Share
Stock Based Compensation To Revenue
Capex To Depreciation
Pb Ratio
Ev To Sales
Free Cash Flow Per Share
Roic
Net Income Per Share
Payables Turnover
Sales General And Administrative To Revenue
Research And Ddevelopement To Revenue
Capex To Revenue
Cash Per Share
Pocfratio
Interest Coverage
Capex To Operating Cash Flow
Pfcf Ratio
Days Payables Outstanding
Income Quality
Roe
Ev To Operating Cash Flow
Pe Ratio
Return On Tangible Assets
Ev To Free Cash Flow
Earnings Yield
Intangibles To Total Assets
Net Debt To E B I T D A
Current Ratio
Tangible Book Value Per Share
Graham Number
Shareholders Equity Per Share
Debt To Equity
Capex Per Share
Graham Net Net
Revenue Per Share
Interest Debt Per Share
Debt To Assets
Enterprise Value Over E B I T D A
Price Earnings Ratio
Price Book Value Ratio
Price Earnings To Growth Ratio
Days Of Payables Outstanding
Price To Operating Cash Flows Ratio
Price To Free Cash Flows Ratio
Pretax Profit Margin
Ebt Per Ebit
Operating Profit Margin
Effective Tax Rate
Company Equity Multiplier
Long Term Debt To Capitalization
Total Debt To Capitalization
Return On Capital Employed
Debt Equity Ratio
Ebit Per Revenue
Quick Ratio
Dividend Paid And Capex Coverage Ratio
Net Income Per E B T
Cash Ratio
Cash Conversion Cycle
Operating Cash Flow Sales Ratio
Free Cash Flow Operating Cash Flow Ratio
Cash Flow Coverage Ratios
Price To Book Ratio
Fixed Asset Turnover
Capital Expenditure Coverage Ratio
Price Cash Flow Ratio
Enterprise Value Multiple
Debt Ratio
Cash Flow To Debt Ratio
Price Sales Ratio
Return On Assets
Asset Turnover
Net Profit Margin
Gross Profit Margin
Price Fair Value
Return On Equity
Sale Purchase Of Stock
Investments
Change In Cash
Net Borrowings
Stock Based Compensation
Free Cash Flow
Change In Working Capital
Begin Period Cash Flow
Total Cashflows From Investing Activities
Other Cashflows From Financing Activities
Depreciation
Other Non Cash Items
Capital Expenditures
Total Cash From Operating Activities
Change To Operating Activities
Net Income
Total Cash From Financing Activities
End Period Cash Flow
Other Cashflows From Investing Activities
Change To Netincome
Change To Liabilities
Issuance Of Capital Stock
Dividends Paid
Common Stock Shares Outstanding
Total Assets
Short Long Term Debt Total
Other Current Liab
Total Current Liabilities
Total Stockholder Equity
Other Liab
Net Tangible Assets
Property Plant And Equipment Net
Net Debt
Retained Earnings
Accounts Payable
Cash
Non Current Assets Total
Non Currrent Assets Other
Other Assets
Long Term Debt
Cash And Short Term Investments
Net Receivables
Common Stock Total Equity
Liabilities And Stockholders Equity
Non Current Liabilities Total
Other Current Assets
Other Stockholder Equity
Total Liab
Net Invested Capital
Property Plant And Equipment Gross
Short Long Term Debt
Total Current Assets
Capital Stock
Short Term Debt
Common Stock
Property Plant Equipment
Capital Lease Obligations
Inventory
Intangible Assets
Tax Provision
Net Interest Income
Interest Income
Depreciation And Amortization
Interest Expense
Selling General Administrative
Selling And Marketing Expenses
Total Revenue
Gross Profit
Other Operating Expenses
Operating Income
Net Income From Continuing Ops
Ebit
Research Development
Ebitda
Cost Of Revenue
Total Operating Expenses
Reconciled Depreciation
Income Before Tax
Total Other Income Expense Net
Net Income Applicable To Common Shares
Income Tax Expense
Minority Interest
Probability Of Bankruptcy
Understanding current and past Upstart Holdings Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Upstart Holdings' financial statements are interrelated, with each one affecting the others. For example, an increase in Upstart Holdings' assets may result in an increase in income on the income statement.
Please note, the imprecision that can be found in Upstart Holdings' accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Upstart Holdings. Check Upstart Holdings' Beneish M Score to see the likelihood of Upstart Holdings' management manipulating its earnings.
Upstart Holdings Stock Summary
Upstart Holdings competes with SoFi Technologies, Visa, Mastercard, American Express, and PayPal Holdings. 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.
The reason investors look at the income statement is to determine what Upstart Holdings' earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
Comparative valuation techniques use various fundamental indicators to help in determining Upstart Holdings's current stock value. Our valuation model uses many indicators to compare Upstart Holdings value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Upstart Holdings competition to find correlations between indicators driving Upstart Holdings's intrinsic value. More Info.
Upstart Holdings is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers . At this time, Upstart Holdings' Return On Equity is comparatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Upstart Holdings by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.
Upstart Holdings Systematic Risk
Upstart Holdings' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Upstart Holdings volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was ten with a total number of output elements of fifty-one. The Beta measures systematic risk based on how returns on Upstart Holdings correlated with the market. If Beta is less than 0 Upstart Holdings generally moves in the opposite direction as compared to the market. If Upstart Holdings Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Upstart Holdings is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Upstart Holdings is generally in the same direction as the market. If Beta > 1 Upstart Holdings moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Upstart Holdings Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Upstart Holdings' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Upstart Holdings growth as a starting point in their analysis.
Upstart Holdings November 30, 2024 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of Upstart Holdings help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Upstart Holdings. We use our internally-developed statistical techniques to arrive at the intrinsic value of Upstart Holdings based on widely used predictive technical indicators. In general, we focus on analyzing Upstart Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Upstart Holdings's daily price indicators and compare them against related drivers.
When running Upstart Holdings' price analysis, check to measure Upstart Holdings' 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 Holdings is operating at the current time. Most of Upstart Holdings' value examination focuses on studying past and present price action to predict the probability of Upstart Holdings' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Upstart Holdings' price. Additionally, you may evaluate how the addition of Upstart Holdings to your portfolios can decrease your overall portfolio volatility.