Upstart Holdings Inc
General ticker "UPST" information:
- Sector: Financials
- Industry: Consumer Finance
- Capitalization: $6.9B
Upstart Holdings Inc follows the US Stock Market performance with the rate: 51.6%.
Estimated limits based on current volatility of 7.4%: low 68.93$, high 79.98$
Factors to consider:
- Current price 46.6% above estimated high
- Earnings for 9 months up through Q3 are below 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 2023-12-31 to 2025-12-30
- 2023-12-31 to 2024-12-30 estimated range: [20.30$, 46.65$]
- 2024-12-30 to 2025-12-30 estimated range: [16.17$, 38.36$]
Financial Metrics affecting the UPST estimates:
- Negative: Non-GAAP EPS, $ of -0.57 <= 0.10
- Negative: Operating profit margin, % of -33.31 <= 1.03
- Negative: negative Net income
- Negative: Operating cash flow per share per price, % of -4.89 <= 2.35
- Positive: -3.48 < Investing cash flow per share, $ of -1.41
- Positive: Industry operating cash flow per share per price (median), % of 22.53 > 10.07
Short-term UPST quotes
Long-term UPST plot with estimates
Financial data
| YTD | 2021-12-31 | 2022-12-31 | 2023-12-31 |
|---|---|---|---|
| Operating Revenue | $851.86MM | $853.29MM | $513.56MM |
| Operating Expenses | $706.47MM | $956.31MM | $770.09MM |
| Operating Income | $145.39MM | $-103.02MM | $-256.52MM |
| Non-Operating Income | $-11.66MM | $-6.05MM | $16.50MM |
| Interest Expense | $3.27MM | $10.84MM | $34.89MM |
| R&D Expense | $134.00MM | $237.25MM | $280.14MM |
| Income(Loss) | $133.73MM | $-109.07MM | $-240.03MM |
| Taxes | $-1.71MM | $-0.41MM | $0.11MM |
| Profit(Loss) | $135.44MM | $-108.67MM | $-240.13MM |
| Stockholders Equity | $807.08MM | $672.43MM | $635.30MM |
| Assets | $1,820.45MM | $1,936.05MM | $2,017.10MM |
| Operating Cash Flow | $168.35MM | $-674.68MM | $-160.49MM |
| Capital expenditure | $15.12MM | $22.91MM | $1.53MM |
| Investing Cash Flow | $-143.88MM | $-114.12MM | $-118.45MM |
| Financing Cash Flow | $855.43MM | $130.03MM | $214.27MM |
| Earnings Per Share* | $1.73 | $-1.31 | $-2.87 |
* EPS are Split Adjusted, recent splits may be reflected with a delay.