UPST - Upstart Holdings, Inc. Stock Price, Fair Value and News

23.11USD-1.36 (-5.56%)Market Closed

Market Summary

USD23.11-1.36

Market Closed

-5.56%

UPST Alerts

1 major insider sales recently.

UPST Stock Price

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UPST RSI Chart

UPST Valuation

Market Cap

2.0B

Price/Earnings (Trailing)

-11.57

Price/Sales (Trailing)

3.56

Price/Free Cashflow

-61.09

UPST Price/Sales (Trailing)

UPST Profitability

Return on Equity

-28.64%

Return on Assets

-9.1%

Free Cashflow Yield

-1.64%

UPST Fundamentals

UPST Revenue

Revenue (TTM)

571.1M

Rev. Growth (Yr)

9.09%

Rev. Growth (Qtr)

-16.39%

UPST Earnings

Earnings (TTM)

-175.5M

Earnings Growth (Yr)

50.02%

Earnings Growth (Qtr)

-52.36%

Breaking Down UPST Revenue

Last 7 days

1.1%

Last 30 days

-8.6%

Last 90 days

-32.6%

Trailing 12 Months

64.0%

How does UPST drawdown profile look like?

UPST Financial Health

UPST Investor Care

Shares Dilution (1Y)

6.30%

Diluted EPS (TTM)

-2.04

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	571.1M	0	0	0
2023	710.4M	595.8M	563.2M	560.4M
2022	999.1M	1.1B	1.0B	907.3M
2021	280.8M	450.7M	595.8M	801.3M
2020	180.3M	196.4M	212.5M	228.6M
2019	0	0	0	164.2M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Upstart Holdings, Inc.

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Apr 01, 2024	gu paul	acquired	36,000	0.6	60,000	chief technology offier
Apr 01, 2024	gu paul	sold	-1,578,670	26.3112	-60,000	chief technology offier
Mar 11, 2024	datta sanjay	sold	-27,500	27.5	-1,000	chief financial officer
Mar 04, 2024	datta sanjay	sold	-26,210	26.21	-1,000	chief financial officer
Mar 01, 2024	mirgorodskaya natalia	acquired	1,075	0.43	2,500	corporate controller
Mar 01, 2024	gu paul	sold	-769,773	25.6591	-30,000	chief technology offier
Mar 01, 2024	gu paul	acquired	18,000	0.6	30,000	chief technology offier
Mar 01, 2024	mirgorodskaya natalia	sold	-63,689	25.4758	-2,500	corporate controller
Feb 29, 2024	gu paul	acquired	-	-	61,201	chief technology offier
Feb 29, 2024	darling scott	acquired	-	-	30,601	chief legal officer

Which funds bought or sold UPST recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 07, 2024	Atomi Financial Group, Inc.	reduced	-0.09	-820,890	1,575,840	0.14%
May 07, 2024	TCI Wealth Advisors, Inc.	added	17.97	-309,639	1,074,820	0.11%
May 07, 2024	Headlands Technologies LLC	added	598	761,293	972,907	0.23%
May 07, 2024	SUSQUEHANNA INTERNATIONAL GROUP, LLP	added	4,046	37,796,000	39,233,600	0.01%
May 07, 2024	QRG CAPITAL MANAGEMENT, INC.	sold off	-100	-218,805	-	-%
May 07, 2024	Swiss National Bank	added	1.57	-1,903,630	3,837,200	-%
May 07, 2024	WMG Financial Advisors, LLC	reduced	-3.91	-768,095	1,321,160	0.76%
May 07, 2024	Susquehanna Portfolio Strategies, LLC	sold off	-100	-5,329,740	-	-%
May 07, 2024	MONTAG A & ASSOCIATES INC	new	-	915	915	-%
May 07, 2024	Legacy Capital Group California, Inc.	reduced	-2.52	-538,477	963,496	0.36%

Are Funds Buying or Selling UPST?

Are funds buying UPST calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own UPST

No. of Funds

UPST Alerts

1 major insider sales recently.

Unveiling Upstart Holdings, Inc.'s Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 13, 2024	vanguard group inc	8.25%	7,013,850	SC 13G/A
Feb 09, 2024	upstart holdings, inc.	14.7%	12,835,880	SC 13G/A
Jan 29, 2024	blackrock inc.	6.5%	5,548,508	SC 13G
Feb 14, 2023	vulcan value partners, llc	0.00%	0	SC 13G/A
Feb 13, 2023	girouard dave	15.0%	12,515,422	SC 13G/A
Feb 09, 2023	vanguard group inc	7.81%	6,396,482	SC 13G/A
Feb 14, 2022	vulcan value partners, llc	5.91%	4,845,315	SC 13G
Feb 14, 2022	vk services, llc	0%	0	SC 13G/A
Feb 14, 2022	third point llc	0.0%	0	SC 13G/A
Feb 04, 2022	girouard dave	15.3%	12,746,959	SC 13G/A

Recent SEC filings of Upstart Holdings, Inc.

View All Filings

Date Filed	Form Type	Document
May 08, 2024	10-Q	Quarterly Report
May 07, 2024	8-K	Current Report
Apr 05, 2024	ARS	ARS
Apr 05, 2024	DEF 14A	DEF 14A
Apr 05, 2024	DEFA14A	DEFA14A
Apr 03, 2024	4	Insider Trading
Apr 01, 2024	144	Notice of Insider Sale Intent
Mar 13, 2024	4	Insider Trading
Mar 11, 2024	144	Notice of Insider Sale Intent
Mar 06, 2024	4	Insider Trading

Peers (Alternatives to Upstart Holdings, Inc.)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
MA	424.4B	25.7B	-5.01%	18.78%	35.83	16.51	12.62%	22.62%
AXP	169.9B	62.0B	5.39%	54.00%	18.89	2.74	11.96%	24.39%
PYPL	66.7B	30.4B	-3.84%	-3.21%	15.38	2.19	8.39%	60.41%
COF	54.6B	43.4B	-0.74%	60.49%	14.06	1.26	26.76%	-52.19%
DFS	31.0B	17.8B	-1.69%	27.81%	13.7	1.74	38.72%	-44.91%
ALLY	12.0B	14.3B	2.39%	56.21%	13.99	0.84	22.92%	-37.74%
MID-CAP
CACC	6.2B	2.0B	-7.65%	17.50%	24.82	3.18	6.86%	-40.40%
FCFS	5.4B	3.2B	-5.81%	14.12%	23.09	1.67	13.90%	-14.51%
WU	4.5B	4.4B	-0.82%	9.14%	7.33	1.04	0.29%	-19.79%
NNI	3.6B	1.1B	2.62%	3.82%	39.57	3.27	8.54%	-77.53%
SMALL-CAP
ENVA	1.7B	2.2B	-2.52%	44.08%	9.65	0.74	22.40%	-16.16%
ATLC	408.0M	1.2B	-2.65%	-4.19%	3.97	0.35	10.41%	-24.15%
CPSS	184.0M	352.0M	9.15%	-19.35%	4.06	0.52	6.77%	-47.27%
AIHS	7.5M	7.3M	-10.34%	-12.36%	-1.93	1.02	-51.06%	-195.09%
CURO	3.3M	853.2M	-	-96.20%	-0.01	0	-15.13%	-1364.54%

Upstart Holdings, Inc. News

Latest updates

Upstart Holdings, Inc. Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																		(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4
Revenue	-16.4%	127,794	152,846	146,755	143,689	117,141	155,597	179,348	258,345	313,982	287,387	210,421	187,297	116,170	81,894	65,359	17,353	63,994	-
Operating Expenses	4.0%	195,262	187,813	178,402	169,110	234,762	205,411	215,324	260,269	275,303	244,434	199,851	157,652	105,771	76,317	53,152	28,741	63,441	-
S&GA Expenses	-9.3%	35,150	38,772	33,042	23,891	31,438	50,753	56,362	105,212	133,449	114,815	93,346	75,916	49,376	34,546	23,725	5,436	35,952	-
R&D Expenses	10.4%	63,091	57,152	54,941	57,974	110,071	64,029	66,182	57,045	49,991	46,495	37,085	31,431	18,988	14,151	9,966	7,667	7,018	-
Interest Expenses	118.4%	12,463	-67,697	9,414	4,282	7,132	-71,150	3,050	2,313	959	44,518	269	1,497	1,030	1,072	1,438	2,260	3,256	-
Income Taxes	-77.8%	14.00	63.00	10.00	18.00	16.00	-464	12.00	24.00	19.00	323	-1,268	-988	221	371	-	-	-	-
Net Income	-52.4%	-64,598	-42,398	-40,315	-28,165	-129,254	-55,263	-56,223	-29,871	32,692	58,944	29,113	37,284	10,102	1,027	9,669	-6,193	1,480	-
Net Income Margin	28.3%	-0.31*	-0.43*	-0.45*	-0.45*	-0.38*	-0.12*	0.01*	0.08*	0.16*	0.17*	0.13*	0.13*	-	-	-	-	-	-
Free Cashflow	136.1%	51,938	-143,954	-103,568	162,340	-76,838	-254,614	-102,876	-57,592	-268,424	-14,615	40,642	91,074	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet														(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4
Assets	-4.4%	1,928	2,017	2,002	1,764	1,822	1,936	1,915	1,917	1,988	1,820	1,606	905	676	477
Cash Equivalents	-6.1%	439	468	615	510	452	532	830	914	1,013	1,191	1,172	618	336	311
Net PPE	-4.9%	41.00	43.00	48.00	47.00	47.00	44.00	41.00	36.00	30.00	24.00	19.00	14.00	10.00	10.00
Goodwill	-0.1%	67.00	67.00	67.00	67.00	67.00	67.00	67.00	67.00	67.00	67.00	67.00	67.00	67.00	-
Liabilities	-4.8%	1,315	1,382	1,361	1,126	1,195	1,264	1,197	1,160	1,111	1,013	887	188	122	177
Shareholder's Equity	-3.5%	613	635	641	638	627	672	719	757	877	807	719	716	321	300
Retained Earnings	-22.9%	-347	-282	-240	-199	-171	-42.44	13.00	69.00	99.00	66.00	7.00	-21.84	-59.12	-69.22
Additional Paid-In Capital	4.6%	960	918	881	838	799	715	706	688	778	741	712	738	380	369
Shares Outstanding	1.7%	88.00	86.00	85.00	84.00	83.00	81.00	82.00	84.00	84.00	78.00	79.00	77.00	-	-
Float	-	-	-	-	2,594	-	-	-	2,234	-	-	-	6,665	-	-

Cashflow (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Cashflow (Quarterly)																		(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4
Cashflow From Operations	136.6%	53.00	-143	-103	162	-75.73	-252	-101	-53.64	-266	-11.14	44.00	93.00	43.00	69.00	18.00	16.00	-86.52	-
Share Based Compensation	9.2%	36.00	33.00	36.00	33.00	74.00	34.00	37.00	30.00	25.00	23.00	20.00	21.00	9.00	4.00	3.00	3.00	2.00	-
Cashflow From Investing	-25.6%	-37.55	-29.89	-24.22	-38.49	-25.85	-85.11	-24.25	-9.94	5.00	-19.78	-84.40	-40.60	1.00	9.00	4.00	15.00	109	-
Cashflow From Financing	-265.8%	-43.71	26.00	233	-65.85	21.00	41.00	41.00	-34.69	83.00	50.00	595	229	-19.26	123	-6.92	-7.29	-30.11	-
Buy Backs	-	-	-	-	-	-	28.00	25.00	125	-	-	-	-	-	-	-	-	-	-

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UPST Income Statement

2023-12-31

Consolidated Statements of Operations and Comprehensive Income (Loss) - USD ($)
$ in Thousands

12 Months Ended

Dec. 31, 2023

Dec. 31, 2022

Dec. 31, 2021

Revenue:

Revenue from fees, net

$ 560,431

$ 907,272

$ 801,275

Interest income, interest expense, and fair value adjustments, net:

Interest income

^[1]

168,996

105,580

20,634

Interest expense

^[1]

(34,894)

(10,843)

(3,274)

Fair value and other adjustments

^[1]

(180,971)

(159,565)

29,954

Total interest income, interest expense, and fair value adjustments, net

(46,869)

(64,828)

47,314

Revenue from fees, net

513,562

842,444

848,589

Operating expenses:

Sales and marketing

127,143

345,776

333,453

Customer operations

150,418

187,994

117,579

Engineering and product development

280,138

237,247

133,999

General, administrative, and other

212,388

185,290

122,677

Total operating expenses

770,087

956,307

707,708

Income (loss) from operations

(256,525)

(113,863)

140,881

Other income (expense), net

21,206

9,473

(5,174)

Expense on convertible notes

(4,706)

(4,684)

(1,976)

Net income (loss) before income taxes

(240,025)

(109,074)

133,731

(Benefit) provision for income taxes

107

(409)

(1,712)

Net income (loss)

$ (240,132)

$ (108,665)

$ 135,443

Net income (loss) per share, basic (in dollars per share)

$ (2.87)

$ (1.31)

$ 1.73

Net income (loss) per share, diluted (in dollars per share)

$ (2.87)

$ (1.31)

$ 1.43

Weighted-average number of shares outstanding used in computing net income (loss) per share, basic (in shares)

83,765,896

82,771,268

78,106,359

Weighted-average number of shares outstanding used in computing net income (loss) per share, diluted (in shares)

83,765,896

82,771,268

94,772,641

[1]	Balances for year ended December 31, 2023 include amounts related to the consolidated securitization. Refer to “Note 2. Revenue” for details.

UPST Balance Sheet

2023-12-31

Consolidated Balance Sheets - USD ($)

Dec. 31, 2023

Dec. 31, 2022

Assets

Cash

$ 368,405,000

$ 422,411,000

Restricted cash

99,382,000

110,056,000

Loans (at fair value)

^[1]

1,156,413,000

1,010,421,000

Property, equipment, and software, net

42,655,000

44,168,000

Operating lease right of use assets

54,694,000

86,335,000

Beneficial interest assets (at fair value)

41,012,000

Non-marketable equity securities

41,250,000

Goodwill

67,062,000

Other assets (includes $42,648 and $48,897 at fair value as of December 31, 2022 and December 31, 2023, respectively)

146,227,000

154,351,000

Total assets

^[2]

2,017,100,000

1,936,054,000

Liabilities:

Accounts payable

12,613,000

18,715,000

Payable to investors

53,580,000

90,777,000

Borrowings

1,040,424,000

986,394,000

Payable to securitization note holders (at fair value)

141,416,000

Accrued expenses and other liabilities (includes $8,820 and $10,510 at fair value as of December 31, 2022 and December 31, 2023, respectively)

71,438,000

66,946,000

Operating lease liabilities

62,324,000

100,787,000

Total liabilities

^[2]

1,381,795,000

1,263,619,000

Stockholders’ equity:

Common stock, $0.0001 par value; 700,000,000 shares authorized; 81,259,676 and 86,330,303 shares issued and outstanding as of December 31, 2022 and December 31, 2023, respectively

9,000

8,000

Additional paid-in capital

917,872,000

714,871,000

Accumulated deficit

(282,576,000)

(42,444,000)

Total stockholders’ equity

635,305,000

672,435,000

Total liabilities and stockholders’ equity

$ 2,017,100,000

$ 1,936,054,000

[1]

As of December 31, 2023, includes $179.1 million of loans, at fair value, contributed as collateral for the consolidated securitization. No such loans were held as of December 31, 2022. Refer to “Note 6. Fair Value Measurement” for details.

[2]

The following table presents information on assets and liabilities related to variable interest entities (“VIEs”) that are consolidated by Upstart Holdings, Inc. at December 31, 2022 and December 31, 2023. The assets in the table below may only be used to settle obligations of consolidated VIEs and are in excess of those obligations. The liabilities in the table below include liabilities for which creditors do not have recourse to the general credit of Upstart Holdings, Inc. The assets and liabilities in the table below include third-party assets and liabilities of consolidated VIEs and exclude intercompany balances that eliminate in consolidation.


	December 31,		December 31,
	2022		2023
Assets
Cash	$	838	$	1,603
Restricted cash	13,147		23,450
Loans (at fair value)	958,822		1,147,423


Other assets (includes $2,244 and $5,958 at fair value as of December 31, 2022 and December 31, 2023, respectively)	11,674		22,917
Total assets	$	984,481	$	1,195,393

Liabilities

Payable to investors	$	—	$	121
Borrowings	336,452		387,440

Payable to securitization note holders (at fair value)	—		141,416
Accrued expenses and other liabilities	1,378		1,975
Total liabilities	337,830		530,952
Total net assets	$	646,651	$	664,441

About Upstart Holdings, Inc.

Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform aggregates consumer demand for loans and connects it to its network of the company's AI-enabled bank and credit union partners. The company was founded in 2012 and is headquartered in San Mateo, California.

CEO	Mr. David J. Girouard
WEBSITE	upstart.com
INDUSTRY	Credit Services
EMPLOYEES	1875

Upstart Holdings, Inc. Frequently Asked Questions

What is the ticker symbol for Upstart Holdings, Inc.? What does UPST stand for in stocks?

UPST is the stock ticker symbol of Upstart Holdings, Inc.. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Upstart Holdings, Inc. (UPST)?

As of Wed May 08 2024, market cap of Upstart Holdings, Inc. is 2 Billion. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of UPST stock?

You can check UPST's fair value in chart for subscribers.

What is the fair value of UPST stock?

You can check UPST's fair value in chart for subscribers. The fair value of Upstart Holdings, Inc. is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Upstart Holdings, Inc. is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for UPST so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Upstart Holdings, Inc. a good stock to buy?

The fair value guage provides a quick view whether UPST is over valued or under valued. Whether Upstart Holdings, Inc. is cheap or expensive depends on the assumptions which impact Upstart Holdings, Inc.'s fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for UPST.

What is Upstart Holdings, Inc.'s Price to Earnings (PE) and Price to sales (PS) ratio?

As of Wed May 08 2024, UPST's PE ratio (Price to Earnings) is -8.32 and Price to Sales (PS) ratio is 3.56. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. UPST PE ratio will change depending on the future growth rate expectations of investors.