Is Upstart Holdings Stock a Good Investment?
Upstart Holdings Investment Advice | UPST |
- Examine Upstart Holdings' financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Upstart Holdings' leadership team and their track record. Good management can help Upstart Holdings navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Consumer Finance space and any emerging trends that could impact Upstart Holdings' business and its evolving consumer preferences.
- Compare Upstart Holdings' performance and market position to its competitors. Analyze how Upstart Holdings is positioned in terms of product offerings, innovation, and market share.
- Check if Upstart Holdings pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Upstart Holdings' stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Upstart Holdings stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Upstart Holdings is a good investment.
Sell | Buy |
Strong Sell
Market Performance | Very Weak | Details | |
Volatility | Not too volatile | Details | |
Hype Condition | Stale | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Below Average | Details | |
Economic Sensitivity | Slowly supersedes the market | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Buy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unavailable | Details |
Examine Upstart Holdings Stock
Researching Upstart Holdings' stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 13.0% of the company outstanding shares are owned by insiders. The company recorded a loss per share of 1.44. Upstart Holdings had not issued any dividends in recent years.
To determine if Upstart Holdings is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Upstart Holdings' research are outlined below:
| Upstart Holdings generated a negative expected return over the last 90 days | |
| Upstart Holdings has high historical volatility and very poor performance | |
| About 64.0% of the company outstanding shares are owned by institutional investors | |
| Latest headline from benzinga.com: Decoding Upstart Hldgss Options Activity Whats the Big Picture |
Upstart Holdings Quarterly Good Will |
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Upstart Holdings uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Upstart Holdings. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Upstart Holdings' 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 |
Earnings surprises can significantly impact Upstart Holdings' 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. Below are the table of largest EPS Surprises Upstart Holdings' investors have experienced.
| 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 | ||
2021-05-11 | 2021-03-31 | 0.15 | 0.22 | 0.07 | 46 | ||
2024-05-07 | 2024-03-31 | -0.39 | -0.31 | 0.08 | 20 | ||
2024-11-07 | 2024-09-30 | -0.15 | -0.06 | 0.09 | 60 | ||
2022-08-08 | 2022-06-30 | 0.1 | 0.01 | -0.09 | 90 | ||
2022-05-09 | 2022-03-31 | 0.51 | 0.61 | 0.1 | 19 |
Know Upstart Holdings' Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Upstart Holdings is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Upstart Holdings backward and forwards among themselves. Upstart Holdings' institutional investor refers to the entity that pools money to purchase Upstart Holdings' 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 | Renaissance Technologies Corp | 2024-12-31 | 1.4 M | Mirae Asset Global Etfs Holdings Ltd. | 2024-12-31 | 1.2 M | Jpmorgan Chase & Co | 2024-09-30 | 1.1 M | Marshall Wace Asset Management Ltd | 2024-12-31 | 1.1 M | Voloridge Investment Management, Llc | 2024-12-31 | 1 M | Summit Partners Public Asset Management, Llc | 2024-12-31 | 983 K | Bank Of America Corp | 2024-12-31 | 960.8 K | Northern Trust Corp | 2024-12-31 | 782.6 K | Fuller & Thaler Asset Management Inc | 2024-12-31 | 709.7 K | Vanguard Group Inc | 2024-12-31 | 7.8 M | Blackrock Inc | 2024-12-31 | 6.3 M |
Upstart Holdings' market capitalization trends
The company currently falls under 'Mid-Cap' category with a current market capitalization of 6.27 B.Market Cap |
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Upstart Holdings' profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | (0.06) | (0.05) | |
| Return On Capital Employed | (0.09) | (0.08) | |
| Return On Assets | (0.05) | (0.05) | |
| Return On Equity | (0.20) | (0.21) |
Determining Upstart Holdings' profitability involves analyzing its financial statements and using various financial metrics to determine if Upstart Holdings is a good buy. For example, gross profit margin measures Upstart Holdings' profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Upstart Holdings' profitability and make more informed investment decisions.
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.
Evaluate Upstart Holdings' management efficiency
Upstart Holdings has return on total asset (ROA) of (0.0378) % which means that it has lost $0.0378 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of (0.2027) %, meaning that it created substantial loss on money invested by shareholders. Upstart Holdings' management efficiency ratios could be used to measure how well Upstart Holdings manages its routine affairs as well as how well it operates its assets and liabilities. Return On Tangible Assets is likely to gain to -0.05 in 2025. Return On Capital Employed is likely to gain to -0.08 in 2025. Total Current Liabilities is likely to gain to about 373.3 M in 2025, whereas Liabilities And Stockholders Equity is likely to drop slightly above 1.5 B in 2025.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 7.08 | 5.25 | |
| Tangible Book Value Per Share | 6.33 | 4.73 | |
| Enterprise Value Over EBITDA | (35.70) | (33.92) | |
| Price Book Value Ratio | 8.70 | 10.45 | |
| Enterprise Value Multiple | (35.70) | (33.92) | |
| Price Fair Value | 8.70 | 10.45 | |
| Enterprise Value | 6.2 B | 3.4 B |
Leadership at Upstart Holdings emphasizes sustainable growth and financial prudence. Our analysis evaluates how these priorities impact the stock's performance in the market.
Beta 2.256 |
Basic technical analysis of Upstart Stock
As of the 25th of February, Upstart Holdings has the Coefficient Of Variation of 4272.14, risk adjusted performance of 0.026, and Semi Deviation of 4.7. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of Upstart Holdings, as well as the relationship between them.Upstart Holdings' 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 Holdings insiders, such as employees or executives, is commonly permitted as long as it does not rely on Upstart Holdings' 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 Holdings 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.
Upstart Holdings' Outstanding Corporate Bonds
Upstart Holdings issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Upstart Holdings uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Upstart bonds can be classified according to their maturity, which is the date when Upstart Holdings has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| Dana 575 percent Corp BondUS235822AB96 | View | |
| MPLX LP 4125 Corp BondUS55336VAK61 | View | |
| MPLX LP 4875 Corp BondUS55336VAJ98 | View | |
| MPLX LP 52 Corp BondUS55336VAL45 | View | |
| BNP Paribas FRN Corp BondUSF1R15XK367 | View | |
| Morgan Stanley 3591 Corp BondUS61744YAK47 | View | |
| Morgan Stanley 3971 Corp BondUS61744YAL20 | View | |
| MGM Resorts International Corp BondUS552953CD18 | View |
Understand Upstart Holdings' technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Upstart Holdings' various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.026 | |||
| Market Risk Adjusted Performance | 0.1213 | |||
| Mean Deviation | 4.04 | |||
| Semi Deviation | 4.7 | |||
| Downside Deviation | 4.78 | |||
| Coefficient Of Variation | 4272.14 | |||
| Standard Deviation | 6.13 | |||
| Variance | 37.54 | |||
| Information Ratio | 0.021 | |||
| Jensen Alpha | 0.1275 | |||
| Total Risk Alpha | 0.0921 | |||
| Sortino Ratio | 0.0269 | |||
| Treynor Ratio | 0.1113 | |||
| Maximum Drawdown | 41.22 | |||
| Value At Risk | (8.31) | |||
| Potential Upside | 8.0 | |||
| Downside Variance | 22.85 | |||
| Semi Variance | 22.09 | |||
| Expected Short fall | (4.90) | |||
| Skewness | 1.92 | |||
| Kurtosis | 10.32 |
| Risk Adjusted Performance | 0.026 | |||
| Market Risk Adjusted Performance | 0.1213 | |||
| Mean Deviation | 4.04 | |||
| Semi Deviation | 4.7 | |||
| Downside Deviation | 4.78 | |||
| Coefficient Of Variation | 4272.14 | |||
| Standard Deviation | 6.13 | |||
| Variance | 37.54 | |||
| Information Ratio | 0.021 | |||
| Jensen Alpha | 0.1275 | |||
| Total Risk Alpha | 0.0921 | |||
| Sortino Ratio | 0.0269 | |||
| Treynor Ratio | 0.1113 | |||
| Maximum Drawdown | 41.22 | |||
| Value At Risk | (8.31) | |||
| Potential Upside | 8.0 | |||
| Downside Variance | 22.85 | |||
| Semi Variance | 22.09 | |||
| Expected Short fall | (4.90) | |||
| Skewness | 1.92 | |||
| Kurtosis | 10.32 |
Consider Upstart Holdings' intraday indicators
Upstart Holdings 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 Holdings 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.
| Accumulation Distribution | 669851.0 | |||
| Daily Balance Of Power | (0.58) | |||
| Rate Of Daily Change | 0.95 | |||
| Day Median Price | 66.79 | |||
| Day Typical Price | 66.83 | |||
| Price Action Indicator | (1.68) | |||
| Period Momentum Indicator | (3.59) | |||
| Relative Strength Index | 58.91 |
Upstart Holdings Corporate Filings
F4 | 24th of February 2025 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 |
F3 | 21st of February 2025 The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock | ViewVerify |
8K | 19th of February 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
10K | 14th of February 2025 Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance | ViewVerify |
Upstart Stock media impact
Far too much social signal, news, headlines, and media speculation about Upstart Holdings that are available to investors today. That information is available publicly through Upstart media outlets and privately through word of mouth or via Upstart internal channels. However, regardless of the origin, that massive amount of Upstart data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Upstart Holdings news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Upstart Holdings relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Upstart Holdings' headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Upstart Holdings alpha.
Upstart Holdings Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Upstart Holdings can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Upstart Holdings Historical Investor Sentiment
Investor biases related to Upstart Holdings' public news can be used to forecast risks associated with an investment in Upstart. The trend in average sentiment can be used to explain how an investor holding Upstart can time the market purely based on public headlines and social activities around Upstart Holdings. Please note that most equities that are difficult to arbitrage are affected by market sentiment the most.
Upstart Holdings' market sentiment shows the aggregated news analyzed to detect positive and negative mentions from the text and comments. The data is normalized to provide daily scores for Upstart Holdings and other traded tickers. The bigger the bubble, the more accurate the estimated score. Higher bars for a given day show more participation in the average Upstart Holdings news discussions. The higher the estimate score, the more favorable the investor's outlook on Upstart Holdings.
Upstart Holdings Maximum Pain Price Across April 17th 2025 Option Contracts
Upstart Holdings' options can also be used to analyze investors' bias and current market sentiment in the context of behavioral finance. For example, Max pain usually refers to a trading concept that asserts that market manipulation can cause the market price of Upstart Holdings close to the expiration of its current option contract to expire worthlessly. According to most research, about 35% of options are not executed, with roughly 50% traded out before expiration. So, Max pain occurs when market makers reach a net favorable position across all options at a strike price where option holders stand to lose the most money. By contrast, option sellers may reap the most after selling more options than buying, causing them to expire worthlessly. Please continue to view the detailed analysis of Upstart Holdings' options.
Upstart Holdings Corporate Management
| David Girouard | President, CoFounder | Profile | |
| Pavi Ramamurthy | Chief Officer | Profile | |
| Natalia Mirgorodskaya | Corporate Controller | Profile | |
| Sanjay CFA | Chief Officer | Profile | |
| Alice Berry | Senior Treasury | Profile | |
| Anna Counselman | CoFounder Operations | Profile | |
| Alison Nicoll | G Sec | Profile |
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.