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upstart holdings inc. - UPST

UPST

Close Chg Chg %
71.43 2.63 3.68%

Closed Market

74.06

+2.63 (3.68%)

Volume: 5.65M

Last Updated:

Nov 22, 2024, 4:00 PM EDT

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Company Overview: upstart holdings inc. - UPST

UPST Key Data

Open

$71.92

 Day Range

70.90 - 74.84

52 Week Range

20.60 - 86.07

 Market Cap

$6.52B

Shares Outstanding

91.23M

 Public Float

78.70M

Beta

1.98

 Rev. Per Employee

N/A

P/E Ratio

N/A

 EPS

-$1.93

Yield

0.00%

 Dividend

N/A

EX-DIVIDEND DATE

SHORT INTEREST

N/A

AVERAGE VOLUME

8.71M

  

UPST Performance

1 Week
 
 8.34%
 
1 Month
 
 46.42%
 
3 Months
 
 76.33%
 
1 Year
 
 212.09%
 
5 Years
 
 N/A
 

UPST Analyst Ratings

  • Sell
  • Under
  • Hold
  • Over
  • Buy
Number of Ratings 18
Full Ratings ➔

About upstart holdings inc. - UPST

Upstart Holdings, Inc. engages in the provision of a cloud-based artificial intelligence lending platform. Its platform aggregates consumer demand for loans and connects it to the company's network of artificial intelligence-enabled bank partners. The company was founded by David Joseph Girouard, Anna Mongayt Counselman and Paul Gu in December 2013 and is headquartered in San Mateo, CA.

UPST At a Glance

Upstart Holdings, Inc.
2950 South Delaware Street
San Mateo, California 94403
Phone 1-650-204-1000 Revenue 513.56M
Industry Internet Software/Services Net Income -240,132,000.00
Sector Technology Services Employees 1,388
Fiscal Year-end 12 / 2024
View SEC Filings

UPST Valuation

P/E Current N/A
P/E Ratio (with extraordinary items) N/A
P/E Ratio (without extraordinary items) N/A
Price to Sales Ratio 6.665
Price to Book Ratio 5.552
Price to Cash Flow Ratio N/A
Enterprise Value to EBITDA -18.129
Enterprise Value to Sales 8.176
Total Debt to Enterprise Value 0.296

UPST Efficiency

Revenue/Employee 370,001.441
Income Per Employee -173,005.764
Receivables Turnover N/A
Total Asset Turnover 0.26

UPST Liquidity

Current Ratio 3.355
Quick Ratio 3.355
Cash Ratio 3.355

UPST Profitability

Gross Margin 95.151
Operating Margin -49.95
Pretax Margin -46.737
Net Margin -46.758
Return on Assets -12.149
Return on Equity -36.725
Return on Total Capital -12.777
Return on Invested Capital -13.307

UPST Capital Structure

Total Debt to Total Equity 195.837
Total Debt to Total Capital 66.198
Total Debt to Total Assets 61.681
Long-Term Debt to Equity 193.482
Long-Term Debt to Total Capital 65.401
  • Income Statement
  • Balance Sheet
  • Cash Flow Statement

Annual Financials for Upstart Holdings Inc. - UPST

Collapse All in section
All values USD millions. 2020 2021 2022 2023 5-year trend
Sales/Revenue
233.42M 848.59M 842.44M 513.56M
Sales Growth
+42.16% +263.55% -0.72% -39.04%
Cost of Goods Sold (COGS) incl D&A
- - 13.51M 24.90M
-
COGS excluding D&A
- - - -
-
Depreciation & Amortization Expense
2.28M 7.54M 13.51M 24.90M
Depreciation
- - - 20.60M
-
Amortization of Intangibles
- - - 4.30M
-
COGS Growth
- - - +84.29%
-
Gross Income
- - 828.93M 488.66M
-
Gross Income Growth
- - - -41.05%
-
Gross Profit Margin
- - +98.40% +95.15%
-
2020 2021 2022 2023 5-year trend
SG&A Expense
219.37M 700.17M 942.79M 745.18M
Research & Development
38.80M 134.00M 237.25M 280.14M
Other SG&A
180.57M 566.17M 705.55M 465.05M
SGA Growth
+30.59% +219.17% +34.65% -20.96%
Other Operating Expense
- - - -
-
Unusual Expense
11.36M 1.98M 4.68M 4.71M
EBIT after Unusual Expense
401.00K 138.91M (118.55M) (261.23M)
Non Operating Income/Expense
5.55M (5.17M) 9.47M 21.21M
Non-Operating Interest Income
- - - -
-
Equity in Earnings of Affiliates
- - - -
-
Interest Expense
- - - -
-
Interest Expense Growth
- - - -
-
Gross Interest Expense
- - - -
-
Interest Capitalized
- - - -
-
Pretax Income
5.95M 133.73M (109.07M) (240.03M)
Pretax Income Growth
+220.30% +2,147.58% -181.56% -120.06%
Pretax Margin
+2.55% +15.76% -12.95% -46.74%
Income Tax
371.00K (1.71M) (409.00K) 107.00K
Income Tax - Current - Domestic
- - 174.00K 107.00K
-
Income Tax - Current - Foreign
- - - -
-
Income Tax - Deferred - Domestic
- - - (583.00K)
-
Income Tax - Deferred - Foreign
- - - -
-
Income Tax Credits
- - - -
-
Equity in Earnings of Affiliates
- - - -
-
Other After Tax Income (Expense)
- - - -
-
Consolidated Net Income
5.58M 135.44M (108.67M) (240.13M)
Minority Interest Expense
- - - (404.00K)
-
Net Income
5.98M 135.44M (108.67M) (240.13M)
Net Income Growth
+1,383.91% +2,163.80% -180.23% -120.98%
Net Margin Growth
+2.56% +15.96% -12.90% -46.76%
Extraordinaries & Discontinued Operations
- - - -
-
Discontinued Operations
- - - -
-
Net Income After Extraordinaries
5.98M 135.44M (108.67M) (240.13M)
Preferred Dividends
- - - -
-
Net Income Available to Common
5.98M 135.44M (108.67M) (240.13M)
EPS (Basic)
0.0816 1.7341 -1.3128 -2.8667
EPS (Basic) Growth
+1,375.00% +2,025.12% -175.70% -118.37%
Basic Shares Outstanding
73.31M 78.11M 82.77M 83.77M
EPS (Diluted)
0.0816 1.4291 -1.3128 -2.8667
EPS (Diluted) Growth
+1,375.00% +1,651.35% -191.86% -118.37%
Diluted Shares Outstanding
73.31M 94.77M 82.77M 83.77M
EBITDA
14.04M 148.42M (100.35M) (231.62M)
EBITDA Growth
+469.46% +956.91% -167.61% -130.81%
EBITDA Margin
+6.02% +17.49% -11.91% -45.10%

Snapshot

Average Recommendation HOLD Average Target Price 30.933
Number of Ratings 18 Current Quarters Estimate -0.037
FY Report Date 12 / 2024 Current Year's Estimate -0.479
Last Quarter’s Earnings -0.06 Median PE on CY Estimate N/A
Year Ago Earnings -0.56 Next Fiscal Year Estimate 0.436
Median PE on Next FY Estimate N/A

Earnings Per Share

This Quarter Next Quarter This Fiscal Next Fiscal
# of Estimates 12 12 16 15
Mean Estimate -0.04 -0.02 -0.48 0.44
High Estimates 0.03 0.12 -0.18 1.25
Low Estimate -0.07 -0.32 -0.70 -0.05
Coefficient of Variance -82.22 -550.98 -38.01 85.18

Analysts Recommendations

Current 1 Month Ago 3 Months Ago
BUY 3 1 1
OVERWEIGHT 0 0 0
HOLD 10 10 9
UNDERWEIGHT 1 1 1
SELL 4 6 7
MEAN Hold Underweight Underweight

Insider Actions for Upstart Holdings Inc. - UPST

Date Name Shares Transaction Value
Oct 10, 2024 Sanjay Datta Chief Financial Officer 338,593 Open market or private sale of non-derivative or derivative security Non-derivative transaction at $41.29 per share 13,980,504.97
Oct 4, 2024 Scott L. Darling Chief Legal Officer 167,243 Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 Non-derivative transaction at $13.22 per share 2,210,952.46
Oct 4, 2024 Scott L. Darling Chief Legal Officer 164,943 Open market or private sale of non-derivative or derivative security Non-derivative transaction at $39.01 per share 6,434,426.43
Oct 4, 2024 Scott L. Darling Chief Legal Officer 161,043 Open market or private sale of non-derivative or derivative security Non-derivative transaction at $40.06 per share 6,451,382.58
Oct 4, 2024 Scott L. Darling Chief Legal Officer 348,410 Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 0.00
Oct 4, 2024 Paul Gu Chief Technology Offier; Director 914,765 Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 Non-derivative transaction at $1.17 per share 1,070,275.05
Oct 4, 2024 Paul Gu Chief Technology Offier; Director 884,715 Open market or private sale of non-derivative or derivative security Non-derivative transaction at $39.07 per share 34,565,815.05
Oct 4, 2024 Paul Gu Chief Technology Offier; Director 878,565 Open market or private sale of non-derivative or derivative security Non-derivative transaction at $39.94 per share 35,089,886.10
Oct 4, 2024 Paul Gu Chief Technology Offier; Director 33,800 Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 0.00
Jun 4, 2024 Sukhinder Kaur Singh Cassidy Director 28,270 Grant, award or other acq pursuant to Rule 16b-3(d) 0.00
Jun 4, 2024 Hilliard C. Terry Director 26,642 Grant, award or other acq pursuant to Rule 16b-3(d) 0.00
Jun 4, 2024 Jeffrey T. Huber Director 24,815 Grant, award or other acq pursuant to Rule 16b-3(d) 0.00
Jun 4, 2024 Ciaran O’Kelly Director 26,761 Grant, award or other acq pursuant to Rule 16b-3(d) 0.00
Jun 4, 2024 Mary M. Hentges Director 25,733 Grant, award or other acq pursuant to Rule 16b-3(d) 0.00
Jun 4, 2024 Kerry Whorton Cooper Director 8,278 Grant, award or other acq pursuant to Rule 16b-3(d) 0.00
May 29, 2024 Natalia Mirgorodskaya Corporate Controller 25,821 Open market or private sale of non-derivative or derivative security Non-derivative transaction at $24.27 per share 626,675.67
May 23, 2024 David Joseph Girouard Chief Executive Officer; Director 64,873 Open market or private sale of non-derivative or derivative security Non-derivative transaction at $25.62 per share 1,662,046.26
May 17, 2024 Paul Gu Chief Technology Offier; Director N/A Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 0.00
May 17, 2024 Paul Gu Chief Technology Offier; Director 110,864 Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 0.00
Mar 5, 2024 David Joseph Girouard Chief Executive Officer; Director 417,098 Grant, award or other acq pursuant to Rule 16b-3(d) 0.00

Upstart Holdings Inc. in the News