Upstart Holdings, Inc.
General ticker "UPST" information:
- Sector: Financials
- Industry: Consumer Finance
- Capitalization: $5.7B (TTM average)
Upstart Holdings, Inc. follows the US Stock Market performance with the rate: 30.6%.
Estimated limits based on current volatility of 2.9%: low 44.11$, high 46.76$
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
- Earnings for 9 months up through Q3 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 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [48.82$, 114.03$]
- 2025-12-31 to 2026-12-31 estimated range: [37.99$, 89.33$]
Financial Metrics affecting the UPST estimates:
- Negative: with PPE of -242.2 at the end of fiscal year the price was very high
- Negative: negative Operating income
- Positive: Industry operating cash flow per share per price (median), % of 12.45 > 10.33
- Positive: Interest expense per share per price, % of 0.79 <= 3.41
- Positive: Industry operating profit margin (median), % of 12.35 > 9.92
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: 18.93 < Shareholder equity ratio, % of 26.75 <= 41.86
- Positive: -4.48 < Investing cash flow per share per price, % of -3.92
- Positive: 0 < Industry earnings per price (median), % of 3.52
Short-term UPST quotes
Long-term UPST plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $853.29MM | $547.72MM | $676.96MM |
| Operating Expenses | $962.36MM | $787.74MM | $805.36MM |
| Operating Income | $-109.07MM | $-240.03MM | $-128.40MM |
| Interest Expense | $10.84MM | $34.89MM | $48.13MM |
| Income(Loss) | $-109.07MM | $-240.03MM | $-128.40MM |
| Taxes | $-0.41MM | $0.11MM | $0.18MM |
| Profit(Loss)* | $-108.67MM | $-240.13MM | $-128.58MM |
| Stockholders Equity | $672.43MM | $635.30MM | $633.22MM |
| Assets | $1,936.05MM | $2,017.10MM | $2,366.96MM |
| Operating Cash Flow | $-657.86MM | $-111.71MM | $186.33MM |
| Capital expenditure | $22.91MM | $1.53MM | $0.84MM |
| Investing Cash Flow | $-114.12MM | $-118.45MM | $-237.73MM |
| Financing Cash Flow | $113.21MM | $165.49MM | $559.87MM |
| Earnings Per Share** | $-1.31 | $-2.87 | $-1.44 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.