NASDAQ: UPSTUpstart Holdings Inc Stock
$22.94+0.86 (+3.89%)
Updated Apr 23, 2024
UPST Price
$22.94
Fair Value Price
N/A
Market Cap
$1.98B
52 Week Low
$11.93
52 Week High
$72.58
P/E
-7.99x
P/B
3.12x
P/S
6.67x
PEG
N/A
Dividend Yield
N/A
Revenue
$513.56M
Earnings
-$240.13M
Gross Margin
100%
Operating Margin
-46.74%
Profit Margin
-46.8%
Debt to Equity
2.18
Operating Cash Flow
-$160M
Beta
2.9
Next Earnings
May 7, 2024
Ex-Dividend
N/A
Next Dividend
N/A
UPST Overview
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.
Zen Score
–
Industry Average (31)
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Due Diligence Checks
UPST is unprofitable, so we are unable to calculate its intrinsic value according to an updated version of Benjamin Graham's Formula from "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
UPST is good value based on its book value relative to its share price (3.12x), compared to the US Credit Services industry average (4.92x)
P/B vs Industry Valuation
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PEG Value Valuation
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Valuation
UPST fair value
Fair Value of UPST stock based on Discounted Cash Flow (DCF)
Price
$22.94
Fair Value
-$12.12
Undervalued by
289.33%
UPST is unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
UPST price to earnings (PE)
For valuing profitable companies with steady earnings
Company
-7.99x
Industry
28.54x
Market
41.92x
UPST price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
3.12x
Industry
4.92x
UPST is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
UPST's financial health
Profit margin
Revenue
$140.3M
Net Income
-$42.4M
Profit Margin
-30.2%
UPST's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$2.0B
Liabilities
$1.4B
Debt to equity
2.18
UPST's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
UPST's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
-$143.7M
Investing
-$29.9M
Financing
$26.4M
UPST vs Credit Service Stocks
Upstart Holdings Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.