Upstart Holdings, Inc.
General ticker "UPST" information:
- Sector: Financials
- Industry: Financial - Credit Services
- Capitalization: $4.6B (TTM average)
Upstart Holdings, Inc. does not follow the US Stock Market performance with the rate: -14.8%.
Estimated limits based on current volatility of 3.8%: low 30.94$, high 33.39$
Factors to consider:
- Total employees count: 1193 as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Regulatory and compliance, Cybersecurity threats, Financing risks, Software reliability
- Price in estimated range
- Earnings for 3 months up through Q1 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [19.31$, 44.54$]
- 2026-12-31 to 2027-12-31 estimated range: [15.18$, 35.22$]
Financial Metrics affecting the UPST estimates:
- Negative: with PPE of 28.6 at the end of fiscal year the price was high
- Negative: negative Operating cash flow
- Positive: -5.39 < Operating profit margin, % of 5.05
- Positive: Industry operating cash flow per share per price (median), % of 19.35 > 10.39
- Positive: Inventory ratio change, % of 0 <= 0
- Negative: 0.73 < Interest expense per share per price, % of 1.15
- Negative: 19.24 < Shareholder equity ratio, % of 26.85 <= 42.59
- Positive: Industry inventory ratio change (median), % of 0 <= 0
Short-term UPST quotes
Long-term UPST plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $547.72MM | $676.96MM | $1,075.52MM |
| Operating Expenses | $787.74MM | $805.36MM | $1,021.19MM |
| Operating Income | $-240.03MM | $-128.40MM | $54.33MM |
| Interest Expense | $39.60MM | $48.13MM | $51.54MM |
| Income(Loss) | $-240.03MM | $-128.40MM | $54.33MM |
| Taxes | $0.11MM | $0.18MM | $0.73MM |
| Net Income(Loss)* | $-240.13MM | $-128.58MM | $53.60MM |
| Stockholders Equity | $635.30MM | $633.22MM | $798.82MM |
| Assets | $2,017.10MM | $2,366.96MM | $2,974.80MM |
| Operating Cash Flow | $-111.71MM | $186.33MM | $-147.72MM |
| Capital expenditure | $12.09MM | $9.99MM | $18.41MM |
| Investing Cash Flow | $-118.45MM | $-237.73MM | $-177.17MM |
| Financing Cash Flow | $165.49MM | $559.87MM | $405.64MM |
| Earnings Per Share** | $-2.87 | $-1.44 | $0.56 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.