Upstart Holdings Stock Buy Hold or Sell Recommendation
| UPST Stock | USD 78.43 0.08 0.10% |
Given the investment horizon of 90 days and your above-average risk tolerance, our recommendation regarding Upstart Holdings is 'Strong Buy'. A buy or sell recommendation provided by Macroaxis is an automated directive regarding whether to purchase or sell Upstart Holdings given historical horizon and risk tolerance towards Upstart Holdings. When Macroaxis issues a 'buy' or 'sell' recommendation for Upstart Holdings, the advice is generated through an automated system that utilizes algorithms and statistical models.
Check out Upstart Holdings Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For more information on how to buy Upstart Stock please use our How to Invest in Upstart Holdings guide. Note, we conduct extensive research on individual companies such as Upstart and provide practical buy, sell, or hold advice based on investors' constraints. Upstart Holdings. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in state.
Upstart |
Execute Upstart Holdings Buy or Sell Advice
The Upstart recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Upstart Holdings. Macroaxis does not own or have any residual interests in Upstart Holdings or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Upstart Holdings' advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Strong Buy
Market Performance | Good | Details | |
Volatility | Not too volatile | Details | |
Hype Condition | Under hyped | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Below Average | Details | |
Economic Sensitivity | Hyperactively responds to market trends | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Hold | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Upstart Holdings Trading Alerts and Improvement Suggestions
| Upstart Holdings is way too risky over 90 days horizon | |
| Upstart Holdings appears to be risky and price may revert if volatility continues | |
| 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 Holdings 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 56.0% of the company outstanding shares are owned by institutional investors | |
| Latest headline from benzinga.com: Upstart Hldgs Options Trading A Deep Dive into Market Sentiment |
Upstart Holdings Returns Distribution Density
The distribution of Upstart Holdings' historical returns is an attempt to chart the uncertainty of Upstart Holdings' future price movements. The chart of the probability distribution of Upstart Holdings daily returns describes the distribution of returns around its average expected value. We use Upstart Holdings price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Upstart Holdings returns is essential to provide solid investment advice for Upstart Holdings.
| Mean Return | 1.13 | Value At Risk | -5.57 | Potential Upside | 7.37 | Standard Deviation | 7.14 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Upstart Holdings historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
Upstart Stock Institutional Investors
The Upstart Holdings' institutional investors refer to entities that pool money to purchase Upstart Holdings' securities or originate loans. These institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds.
| Shares | Fred Alger Management, Llc | 2024-09-30 | 1.2 M | Bank Of America Corp | 2024-06-30 | 1.1 M | Renaissance Technologies Corp | 2024-09-30 | 1.1 M | Coatue Management Llc | 2024-09-30 | 870.9 K | Northern Trust Corp | 2024-09-30 | 673.4 K | Charles Schwab Investment Management Inc | 2024-09-30 | 642.9 K | Citadel Advisors Llc | 2024-09-30 | 526.9 K | Jane Street Group Llc | 2024-06-30 | 501.2 K | Bank Of Montreal | 2024-06-30 | 447.7 K | Vanguard Group Inc | 2024-09-30 | 7.4 M | Blackrock Inc | 2024-06-30 | 5.7 M |
Upstart Holdings Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Investments | 45.4M | 136.5M | (40M) | (91.2M) | (173.7M) | (182.4M) | |
| Change In Cash | (42.2M) | 231.3M | 879.9M | (658.8M) | (64.7M) | (61.4M) | |
| Net Borrowings | (116.0M) | (82.2M) | 647.1M | 287.9M | 331.1M | 224.0M | |
| Free Cash Flow | 26.3M | 10.1M | 153.2M | (697.6M) | (172.6M) | (164.0M) | |
| Depreciation | 774K | 2.3M | 7.5M | 13.5M | 24.9M | 26.1M | |
| Other Non Cash Items | 930K | (51.0M) | (102.8M) | (683.6M) | 214.2M | 224.9M | |
| Capital Expenditures | 5.3M | 5.6M | 15.1M | 22.9M | 1.5M | 1.5M | |
| Net Income | (5.0M) | 5.6M | 135.4M | (108.7M) | (240.1M) | (228.1M) | |
| End Period Cash Flow | 80.1M | 311.3M | 1.2B | 532.5M | 467.8M | 436.6M | |
| Change To Netincome | 31.2M | 39.5M | 68.0M | (849.8M) | (764.8M) | (726.6M) |
Upstart Holdings Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Upstart Holdings or Consumer Finance sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Upstart Holdings' price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Upstart stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | 0.69 | |
β | Beta against Dow Jones | 3.56 | |
σ | Overall volatility | 7.28 | |
Ir | Information ratio | 0.14 |
Upstart Holdings Volatility Alert
Upstart Holdings is displaying above-average volatility over the selected time horizon. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Upstart Holdings' stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Upstart Holdings' stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.Upstart Holdings Fundamentals Vs Peers
Comparing Upstart Holdings' fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Upstart Holdings' direct or indirect competition across all of the common fundamentals between Upstart Holdings and the related equities. This way, we can detect undervalued stocks with similar characteristics as Upstart Holdings or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Upstart Holdings' fundamental indicators could also be used in its relative valuation, which is a method of valuing Upstart Holdings by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare Upstart Holdings to competition |
| Fundamentals | Upstart Holdings | Peer Average |
| Return On Equity | -0.27 | -0.31 |
| Return On Asset | -0.0553 | -0.14 |
| Profit Margin | (0.28) % | (1.27) % |
| Operating Margin | (0.20) % | (5.51) % |
| Current Valuation | 7.76 B | 16.62 B |
| Shares Outstanding | 91.23 M | 571.82 M |
| Shares Owned By Insiders | 12.52 % | 10.09 % |
| Shares Owned By Institutions | 56.30 % | 39.21 % |
| Number Of Shares Shorted | 22.48 M | 4.71 M |
| Price To Earning | 17.98 X | 28.72 X |
| Price To Book | 12.03 X | 9.51 X |
| Price To Sales | 11.84 X | 11.42 X |
| Revenue | 513.56 M | 9.43 B |
| Gross Profit | 665.29 M | 27.38 B |
| EBITDA | (215.12 M) | 3.9 B |
| Net Income | (240.13 M) | 570.98 M |
| Cash And Equivalents | 683.97 M | 2.7 B |
| Cash Per Share | 8.35 X | 5.01 X |
| Total Debt | 1.23 B | 5.32 B |
| Debt To Equity | 1.42 % | 48.70 % |
| Current Ratio | 21.37 X | 2.16 X |
| Book Value Per Share | 6.54 X | 1.93 K |
| Cash Flow From Operations | (160.49 M) | 971.22 M |
| Short Ratio | 2.52 X | 4.00 X |
| Earnings Per Share | (1.91) X | 3.12 X |
| Price To Earnings To Growth | (20.31) X | 4.89 X |
| Target Price | 52.46 | |
| Number Of Employees | 1.39 K | 18.84 K |
| Beta | 1.98 | -0.15 |
| Market Capitalization | 7.16 B | 19.03 B |
| Total Asset | 2.02 B | 29.47 B |
| Retained Earnings | (282.58 M) | 9.33 B |
| Net Asset | 2.02 B |
Note: Disposition of 5000 shares by Paul Gu of Upstart Holdings at 1.17 subject to Rule 16b-3 [view details]
Upstart Holdings Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Upstart . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
| Accumulation Distribution | 361176.0 | |||
| Daily Balance Of Power | (0.01) | |||
| Rate Of Daily Change | 1.0 | |||
| Day Median Price | 79.19 | |||
| Day Typical Price | 78.94 | |||
| Price Action Indicator | (0.80) | |||
| Period Momentum Indicator | (0.08) | |||
| Relative Strength Index | 63.91 |
About Upstart Holdings Buy or Sell Advice
When is the right time to buy or sell Upstart Holdings? Buying financial instruments such as Upstart Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
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Additional Tools for Upstart Stock Analysis
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.