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Upstart's stock price has fluctuated between $15 and $30 per share since its IPO in 2020, with a current market capitalization of over $10 billion.
As of 2022, the company's revenue has grown from $200 million to over $1 billion, with a net loss of $170 million in 2021.
Upstart's unique underwriting model has allowed it to approve loans to borrowers with lower credit scores, resulting in a high approval rate of 92% in 2021.
The company's focus on data-driven lending has also led to a low default rate of 2.5% in 2021, significantly lower than the industry average.
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Company Information
Upstart Holdings, Inc. is headquartered in San Mateo, California.
The company operates a cloud-based artificial intelligence (AI) lending platform, which is a unique approach to lending.
Upstart Holdings, Inc. is a well-established company with a strong presence in the lending industry.
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Performance Overview
Upstart Holdings Inc has a market capitalization of $5,930,733,000 and is listed on the NASDAQ exchange. It's a significant player in the market.
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The company's stock has shown a 1 year change of 98.15% and a 3 year change of -43.31%. These numbers give us an idea of the stock's performance over time.
In terms of financial performance, Upstart Holdings Inc has a revenue growth of 20.1% year over year (YOY) and an earnings growth of 209.1% YOY. These numbers are impressive and indicate a strong growth trajectory.
Here's a summary of the company's financial metrics:
Diluted EPS (TTM) | -1.91 |
Revenue Growth YOY | 20.1 |
Earnings Growth YOY | 209.1 |
Profit margin | -27.8 |
The stock's current price is $66.52, with a 52 week high of $88.95 and a 52 week low of $20.60. This gives us an idea of the stock's volatility and potential for growth.
Stock Analysis
Upstart Holdings' financial performance is a mixed bag. The company's diluted EPS (TTM) is -1.91, indicating a net loss. Revenue growth YOY is 20.1%, but earnings growth YOY is a whopping 209.1%, suggesting a significant improvement in profitability.
However, the company's profit margin is a concerning -27.8%. This means that for every dollar of revenue, Upstart Holdings is losing 27.8 cents.
The average rating for UPST stock from 11 analysts is "Buy", with a 12-month stock price forecast of $65.44, representing a decrease of -1.62% from the latest price.
Upstart Holdings has seen some analyst upgrades, including a Strong Buy rating from Mizuho SecuritiesUSA's Daniel Dolev on November 8, 2024, and a Moderate Buy rating from Needham & Company's Kyle Peterson on December 13, 2024.
Here are the top 5 analyst upgrades/downgrades:
Date | Brokerage Firm | Analyst | Previous | Current |
---|---|---|---|---|
12/13/2024 | Needham & Company | Kyle Peterson | Hold | Moderate Buy |
12/3/2024 | Atlantic Equities | Simon Clinch | Hold | Strong Buy |
11/8/2024 | Mizuho SecuritiesUSA | Daniel Dolev | Strong Buy | Strong Buy |
11/8/2024 | Not Identified | Not Identified | Hold | Strong Buy |
10/14/2024 | Wedbush Securities | David J Chiaverini | Strong Sell | Hold |
The average price target for Upstart Holdings is $59.00, with a highest price target of $100.00 and a lowest price target of $12.00. This represents a downside to the average price target of -9.24%.
Upstart Holdings' stock has seen significant price fluctuations, with a 52-week high of $88.95 and a 52-week low of $20.60. The stock's beta is 2.27, indicating a relatively high level of volatility.
The company's price history shows a 1-month change of -2.15%, a 3-month change of 30.10%, and a 1-year change of 98.15%. The stock's price has increased by 125.72% since its IPO.
Frequently Asked Questions
What is the prediction for Upstart stock?
According to 17 brokerage firms, the average prediction for Upstart stock is a Strong Buy with a target price of $59.33. This suggests a positive outlook for the company's future performance.
What is the fair value of UPST?
As of December 31, 2024, the fair value of Upstart Holdings Inc (UPST) is -$46.1 USD, indicating a significant undervaluation in the market.
Sources
- https://wise.com/gb/stock/upst
- https://www.macrotrends.net/stocks/charts/UPST/upstart-holdings/stock-price-history
- https://stockanalysis.com/stocks/upst/
- https://www.zacks.com/stock/research/UPST/price-target-stock-forecast
- https://simplywall.st/stocks/us/diversified-financials/nasdaq-upst/upstart-holdings
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