Upstart Holdings Stock Performance
| UPST Stock | USD 51.96 2.26 4.55% |
The entity has a beta of 2.16, which indicates a somewhat significant risk relative to the market. As the market goes up, the company is expected to outperform it. However, if the market returns are negative, Upstart Holdings will likely underperform. At this point, Upstart Holdings has a negative expected return of -0.27%. Please make sure to validate Upstart Holdings' value at risk, rate of daily change, as well as the relationship between the Rate Of Daily Change and relative strength index , to decide if Upstart Holdings performance from the past will be repeated at some point in the near future.
Risk-Adjusted Performance
Very Weak
Weak | Strong |
Over the last 90 days Upstart Holdings has generated negative risk-adjusted returns adding no value to investors with long positions. In spite of weak performance in the last few months, the Stock's basic indicators remain comparatively stable which may send shares a bit higher in April 2025. The newest uproar may also be a sign of mid-term up-swing for the firm private investors. ...more
Actual Historical Performance (%)
One Day Return 4.55 | Five Day Return 7.69 | Year To Date Return (14.54) | Ten Year Return 76.31 | All Time Return 76.31 |
1 | Disposition of 3500 shares by Natalia Mirgorodskaya of Upstart Holdings at 1.35 subject to Rule 16b-3 | 12/26/2024 |
2 | Upstart Holdings Inc Partners with Holyoke Credit Union to Expand AI-Driven Lending Services | 02/20/2025 |
3 | Disposition of 22935 shares by Paul Gu of Upstart Holdings at 76.587 subject to Rule 16b-3 | 02/26/2025 |
4 | Acquisition by Scott Darling of 27864 shares of Upstart Holdings at 66.67 subject to Rule 16b-3 | 02/28/2025 |
5 | Disposition of 2000 shares by Scott Darling of Upstart Holdings at 13.22 subject to Rule 16b-3 | 03/04/2025 |
6 | Analyzing Walker Dunlop and Upstart | 03/06/2025 |
7 | Upstart Holdings, Inc. A Bull Case Theory | 03/07/2025 |
8 | Disposition of 4844 shares by Paul Gu of Upstart Holdings at 25.75 subject to Rule 16b-3 | 03/10/2025 |
9 | This Stock Dropped 47 percent in the Past 4 Weeks and Could Be a No-Brainer Buy During the Nasdaq Correction | 03/11/2025 |
10 | Is Trending Stock Upstart Holdings, Inc. a Buy Now | 03/12/2025 |
11 | Upstart Holdings Among the Best Fintech Stocks to Buy According to Billionaires | 03/18/2025 |
12 | 3,110 Shares in Upstart Holdings, Inc. Purchased by GWN Securities Inc. | 03/19/2025 |
| Begin Period Cash Flow | 467.8 M |
Upstart |
Upstart Holdings Relative Risk vs. Return Landscape
If you would invest 6,800 in Upstart Holdings on December 23, 2024 and sell it today you would lose (1,604) from holding Upstart Holdings or give up 23.59% of portfolio value over 90 days. Upstart Holdings is currently does not generate positive expected returns and assumes 6.0486% risk (volatility on return distribution) over the 90 days horizon. In different words, 54% of stocks are less volatile than Upstart, and 99% of all traded equity instruments are projected to make higher returns than the company over the 90 days investment horizon. Expected Return |
| Risk |
Upstart Holdings Market Risk Analysis
Today, many novice investors tend to focus exclusively on investment returns with little concern for Upstart Holdings' investment risk. Standard deviation is the most common way to measure market volatility of stocks, such as Upstart Holdings, and traders can use it to determine the average amount a Upstart Holdings' price has deviated from the expected return over a period of time. It is calculated by determining the expected price for the established period and then subtracting this figure from each price point. The differences are then squared, summed, and averaged to produce the variance.
Sharpe Ratio = -0.0452
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| Cash | Small Risk | Average Risk | High Risk | Huge Risk |
| Negative Returns | UPST |
Estimated Market Risk
| 6.05 actual daily | 54 54% of assets are less volatile |
Expected Return
| -0.27 actual daily | 0 Most of other assets have higher returns |
Risk-Adjusted Return
| -0.05 actual daily | 0 Most of other assets perform better |
Based on monthly moving average Upstart Holdings is not performing at its full potential. However, if added to a well diversified portfolio the total return can be enhanced and market risk can be reduced. You can increase risk-adjusted return of Upstart Holdings by adding Upstart Holdings to a well-diversified portfolio.
Upstart Holdings Fundamentals Growth
Upstart Stock prices reflect investors' perceptions of the future prospects and financial health of Upstart Holdings, and Upstart Holdings fundamentals are critical determinants of its market performance. Overall, investors pay close attention to revenue and earnings growth, profit margins, and debt levels. These fundamentals can have a significant impact on Upstart Stock performance.
| 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 | ||||
| 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 | ||||
| Earnings Per Share | (1.44) X | ||||
| Market Capitalization | 4.87 B | ||||
| Total Asset | 2.37 B | ||||
| Retained Earnings | (411.16 M) | ||||
About Upstart Holdings Performance
Assessing Upstart Holdings' fundamental ratios provides investors with valuable insights into Upstart Holdings' financial health and overall profitability. This information is crucial for making informed investment decisions. A high ROA would indicate that the Upstart Holdings is effectively leveraging its assets and equity to generate significant profits, making it an appealing investment. Conversely, low Return on Assets could signal underlying management issues in assets and equity, indicating a necessity for operational refinements. Please also refer to our technical analysis and fundamental analysis pages.
| 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) |
Things to note about Upstart Holdings performance evaluation
Checking the ongoing alerts about Upstart Holdings for important developments is a great way to find new opportunities for your next move. Stock alerts and notifications screener for Upstart Holdings help investors to be notified of important events, changes in technical or fundamental conditions, and significant headlines that can affect investment decisions.| Upstart Holdings generated a negative expected return over the last 90 days | |
| Upstart Holdings has high historical volatility and very poor performance | |
| The company reported the previous year's revenue of 628.83 M. Net Loss for the year was (128.58 M) with profit before overhead, payroll, taxes, and interest of 518.96 M. | |
| About 64.0% of the company outstanding shares are owned by institutional investors | |
| Latest headline from thelincolnianonline.com: 3,110 Shares in Upstart Holdings, Inc. Purchased by GWN Securities Inc. |
- Analyzing Upstart Holdings' financial statements, including its income statement, balance sheet, and cash flow statement, helps in understanding its overall financial health and growth potential.
- Getting a closer look at valuation ratios like price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and price-to-book (P/B) ratio help in understanding whether Upstart Holdings' stock is overvalued or undervalued compared to its peers.
- Examining Upstart Holdings' industry or sector and how it is performing can give you an idea of its growth potential and how it is positioned relative to its competitors.
- Evaluating Upstart Holdings' management team can have a significant impact on its success or failure. Reviewing the track record and experience of Upstart Holdings' management team can help you assess the Company's leadership.
- Pay attention to analyst opinions and ratings of Upstart Holdings' stock. These opinions can provide insight into Upstart Holdings' potential for growth and whether the stock is currently undervalued or overvalued.
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.