Upstart Holdings Stock Current Valuation
| UPST Stock | USD 51.96 2.26 4.55% |
Valuation analysis of Upstart Holdings helps investors to measure Upstart Holdings' intrinsic value by examining its available valuation indicators, including the cash flow records, the balance sheet account changes and income statement patterns. Enterprise Value Over EBITDA is likely to gain to -52.41 in 2025. Enterprise Value Multiple is likely to gain to -52.41 in 2025. Fundamental drivers impacting Upstart Holdings' valuation include:
Overvalued
Today
Please note that Upstart Holdings' price fluctuation is not too volatile at this time. Calculation of the real value of Upstart Holdings is based on 3 months time horizon. Increasing Upstart Holdings' time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Upstart Holdings' intrinsic value may or may not be the same as its current market price of 51.96, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 51.96 | Real 49.59 | Target 62.11 | Hype 51.96 | Naive 61.62 |
The intrinsic value of Upstart Holdings' stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Upstart Holdings' stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Upstart Holdings helps investors to forecast how Upstart stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Upstart Holdings more accurately as focusing exclusively on Upstart Holdings' fundamentals will not take into account other important factors: Upstart Holdings Company Current Valuation Analysis
Upstart Holdings' Enterprise Value is a firm valuation proxy that approximates the current market value of a company. It is typically used to determine the takeover or merger price of a firm. Unlike Market Cap, this measure takes into account the entire liquid asset, outstanding debt, and exotic equity instruments that the company has on its balance sheet. When a takeover occurs, the parent company will have to assume the target company's liabilities but will take possession of all cash and cash equivalents.
Current Upstart Holdings Current Valuation | 5.61 B |
Most of Upstart Holdings' fundamental indicators, such as Current Valuation, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, Upstart Holdings is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.
Upstart Current Valuation Driver Correlations
Understanding the fundamental principles of building solid financial models for Upstart Holdings is extremely important. It helps to project a fair market value of Upstart Stock properly, considering its historical fundamentals such as Current Valuation. Since Upstart Holdings' main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Upstart Holdings' historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Upstart Holdings' interrelated accounts and indicators.
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Upstart Current Valuation Historical Pattern
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 drops in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's current valuation growth rates may not be enough to decide which company is a better investment. That's why investors frequently use a static breakdown of Upstart Holdings current valuation as a starting point in their analysis.
Upstart Holdings Current Valuation |
| Timeline |
Enterprise Value can be a useful tool to compare companies with different capital structures. Long term liability and current cash or cash equivalents can have a huge impact on market valuation of a given company.
| Competition |
In accordance with the recently published financial statements, Upstart Holdings has a Current Valuation of 5.61 B. This is 82.9% lower than that of the Consumer Finance sector and 85.25% lower than that of the Financials industry. The current valuation for all United States stocks is 66.23% higher than that of the company.
Upstart Current Valuation Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Upstart Holdings' direct or indirect competition against its Current Valuation to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Upstart Holdings could also be used in its relative valuation, which is a method of valuing Upstart Holdings by comparing valuation metrics of similar companies.Upstart Holdings is currently under evaluation in current valuation category among its peers.
Upstart Holdings Current Valuation Drivers
We derive many important indicators used in calculating different scores of Upstart Holdings from analyzing Upstart Holdings' financial statements. These drivers represent accounts that assess Upstart Holdings' ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Upstart Holdings' important valuation drivers and their relationship over time.
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
| Market Cap | 3.0B | 11.8B | 1.1B | 3.4B | 5.5B | 2.8B | |
| Enterprise Value | 2.8B | 11.6B | 1.8B | 4.3B | 6.2B | 3.4B |
Upstart Holdings ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Upstart Holdings' sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Upstart Holdings' managers, analysts, and investors.Environmental | Governance | Social |
Upstart Fundamentals
| Return On Equity | -0.2 | ||||
| Return On Asset | -0.0378 | ||||
| Profit Margin | (0.19) % | ||||
| Operating Margin | 0.01 % | ||||
| Current Valuation | 5.61 B | ||||
| Shares Outstanding | 93.71 M | ||||
| Shares Owned By Insiders | 12.44 % | ||||
| Shares Owned By Institutions | 64.15 % | ||||
| Number Of Shares Shorted | 17.82 M | ||||
| Price To Earning | 17.98 X | ||||
| Price To Book | 7.69 X | ||||
| Price To Sales | 7.19 X | ||||
| Revenue | 628.83 M | ||||
| Gross Profit | 518.96 M | ||||
| EBITDA | (111.87 M) | ||||
| Net Income | (128.58 M) | ||||
| Cash And Equivalents | 683.97 M | ||||
| Cash Per Share | 8.35 X | ||||
| Total Debt | 1.45 B | ||||
| Debt To Equity | 1.42 % | ||||
| Current Ratio | 21.37 X | ||||
| Book Value Per Share | 6.78 X | ||||
| Cash Flow From Operations | 186.33 M | ||||
| Short Ratio | 2.25 X | ||||
| Earnings Per Share | (1.44) X | ||||
| Price To Earnings To Growth | (20.31) X | ||||
| Target Price | 80.29 | ||||
| Number Of Employees | 1.19 K | ||||
| Beta | 2.25 | ||||
| Market Capitalization | 4.87 B | ||||
| Total Asset | 2.37 B | ||||
| Retained Earnings | (411.16 M) | ||||
| Net Asset | 2.37 B |
About Upstart Holdings Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Upstart Holdings's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Upstart Holdings using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Upstart Holdings based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis 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.