-3.83%
6.49%
33.55%
154.90%
100.45%
-44.82%
119.70%
AI Spotlight on UPST
Company Description
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 partners.The company was founded in 2012 and is headquartered in San Mateo, California.
Market Data
| Last Price | 64.75 |
| Change Percentage | -3.82% |
| Open | 68 |
| Previous Close | 67.32 |
| Market Cap ( Millions) | 5907 |
| Volume | 2981978 |
| Year High | 88.95 |
| Year Low | 20.6 |
| M A 50 | 69.46 |
| M A 200 | 42.72 |
Financial Ratios
| FCF Yield | 2.46% |
| Dividend Yield | 0.00% |
| ROE | -27.60% |
| Debt / Equity | 174.81% |
| Net Debt / EBIDTA | -420.12% |
| Price To Book | 9.8 |
| Price Earnings Ratio | -34.68 |
| Price To FCF | 40.65 |
| Price To sales | 10.59 |
| EV / EBITDA | -45.85 |
News
- Jan -31 - 2 No-Brainer Artificial Intelligence (AI) Stocks to Buy With $260 in February
- Jan -30 - Upstart Holdings Stock Soars 36% in 3 Months: Time to Hold or Fold?
- Jan -30 - Upstart Holdings, Inc. (UPST) Falls More Steeply Than Broader Market: What Investors Need to Know
- Jan -29 - Nvidia faces a reckoning as Chinese upstart raises questions about Wall Street's darling
- Jan -28 - Upstart Chinese AI company DeepSeek's founder started out as a low-key hedge fund entrepreneur
- Jan -26 - 2 Top Stocks That Could Double in 2025
- Jan -26 - Better Fintech Stock: Upstart vs. SoFi
- Jan -23 - Sports Agent Jeff Schwartz On NIL And Upstart Leagues
- Jan -22 - Pelican State Credit Union Selects Upstart for Personal Lending
- Jan -21 - Upstart Holdings, Inc. (UPST) Outperforms Broader Market: What You Need to Know
- Jan -18 - 3 No-Brainer Fintech Stocks to Buy With $200 Right Now
- Jan -18 - Where Will Upstart Stock Be in 5 Years?
- Jan -16 - 2 Artificial Intelligence (AI) Stocks That Could Change the World (and Make Many Millionaires)
- Jan -15 - Upstart, Robinhood, and Opendoor Are All Spiking on Wednesday -- Here's Why They Could Go Even Higher
- Jan -14 - Upstart Holdings, Inc. (UPST) Stock Declines While Market Improves: Some Information for Investors
- Jan -12 - Why Upstart Stock Jumped 51% in 2024
- Jan -12 - Should You Buy Upstart Stock While It's Below $100?
- Jan -11 - This Artificial Intelligence (AI) Stock Is Up 158% Over the Last 6 Months, But It Faces 1 Big Risk Going Into 2025
- Jan -11 - Could Buying Upstart Stock Today Set You Up for Life?
- Jan -10 - Could Upstart Be a Millionaire-Maker Stock?
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Fees
Expected Growth : 25.0 %
What the company do ?
Upstart Holdings, Inc. charges an origination fee of 0-8% of the loan amount, and interest rates ranging from 6.5% to 35.99% APR, depending on creditworthiness.
Why we expect these perspectives ?
Upstart Holdings, Inc.'s growth is driven by its innovative lending model, which leverages AI to assess creditworthiness, offering competitive interest rates and origination fees. This approach attracts a large customer base, fueling growth in the personal loan market.
Segment n°2 -> Interest Income, Interest Expense, and Fair Value Adjustments
Expected Growth : 25.6 %
What the company do ?
Upstart Holdings, Inc. reports Interest Income from lending activities, Interest Expense on debt, and Fair Value Adjustments on investments, reflecting the company's financial performance.
Why we expect these perspectives ?
Upstart Holdings' growth is driven by increasing demand for AI-powered lending, expansion into new markets, and strategic partnerships. The company's interest income from lending activities and fair value adjustments on investments contribute to its revenue growth.
Upstart Holdings, Inc. Products
| Product Range | What is it ? |
|---|---|
| Personal Loans | Upstart offers personal loans ranging from $1,000 to $50,000 with fixed interest rates and repayment terms of 3 or 5 years. |
| Credit Cards | Upstart offers credit cards with no annual fee, cashback rewards, and credit-building benefits. |
| Auto Loans | Upstart provides auto loans for new and used vehicles, with competitive rates and flexible repayment terms. |
| Small Business Loans | Upstart offers small business loans with flexible repayment terms and competitive interest rates. |
Upstart Holdings, Inc.'s Porter Forces
Threat Of Substitutes
Upstart Holdings, Inc. operates in the fintech industry, which is characterized by a moderate threat of substitutes. While there are alternative lending platforms, Upstart's AI-powered lending model and focus on prime borrowers differentiate it from competitors.
Bargaining Power Of Customers
Upstart's customers are primarily individual borrowers, who have limited bargaining power. The company's platform is designed to provide personalized loan offers, making it difficult for customers to negotiate prices.
Bargaining Power Of Suppliers
Upstart's suppliers are primarily banks and investors that provide capital for lending. The company's platform is designed to attract multiple suppliers, reducing their bargaining power.
Threat Of New Entrants
The fintech industry is characterized by a moderate threat of new entrants. While there are barriers to entry, such as regulatory compliance and capital requirements, new entrants can still disrupt the market.
Intensity Of Rivalry
The fintech industry is highly competitive, with multiple players competing for market share. Upstart faces intense rivalry from established players and new entrants, which can lead to pricing pressure and increased marketing expenses.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 65.32% |
| Debt Cost | 3.95% |
| Equity Weight | 34.68% |
| Equity Cost | 13.95% |
| WACC | 7.41% |
| Leverage | 188.38% |
Upstart Holdings, Inc. : Quality Control
Upstart Holdings, Inc. passed 2 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| CPSS | Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States. It is involved in the purchase and service of retail automobile contracts originated by franchised automobile … |
| GDOT | Green Dot Corporation, a financial technology and bank holding company, provides various financial products to consumers and businesses in the United States. It operates through three segments: Consumer Services, Business … |
| PRAA | PRA Group, Inc., a financial and business services company, engages in the purchase, collection, and management of portfolios of nonperforming loans in the Americas, Australia, and Europe. It is involved … |
| LPRO | Open Lending Corporation provides lending enablement and risk analytics solutions to credit unions, regional banks, and non-bank auto finance companies and captive finance companies of original equipment manufacturers in the … |
| OPRT | Oportun Financial Corporation provides financial services. It offers personal loans, auto loans, and credit cards. The company serves customers online and over-the-phone, as well as through retail locations. It operates … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
🥇
Consumer Portfolio Services
A-Score
1-Year Total Return ->
🥈
Green Dot
A-Score
1-Year Total Return ->
🥉
Oportun Financial
A-Score
1-Year Total Return ->
4
PRA Group
A-Score
1-Year Total Return ->
5
Upstart
A-Score
1-Year Total Return ->
6
