Stock Scorecard
Stock Summary for Upstart Holdings Inc (UPST) - $47.29 as of 3/28/2025 9:15:28 PM EST
Total Score
5 out of 30
Safety Score
41 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
Growth List Algorithm Criteria for UPST
| Positive earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for UPST
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for UPST
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for UPST
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for UPST (41 out of 100)
| Stock Price Rating (Max of 10) | 8 |
| Historical Stock Price Rating (Max of 10) | 10 |
| Stock Price Trend (Max of 10) | 1 |
| Book Value (Max of 10) | 4 |
| Book Value to Price (Max of 10) | 0 |
| Analyst Buy Ratings (Max of 5) | 4 |
| Analyst Strong Buy Ratings (Max of 5) | 4 |
| Dividend Yield Percentage (Max of 10) | 0 |
| Operating Margin (Max of 10) | 0 |
| Trading Volume (Max of 10) | 10 |
| Price to Earnings (Max of 10) | 0 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for UPST
Financial Details for UPST
Company Overview |
|
|---|---|
| Ticker | UPST |
| Company Name | Upstart Holdings Inc |
| Country | USA |
| Description | Upstart Holdings, Inc. operates a cloud-based artificial intelligence (AI) lending platform. The company is headquartered in San Mateo, California. |
| Sector Name | FINANCE |
| Industry Name | FINANCE SERVICES |
| Most Recent Quarter | 12/31/2024 |
| Next Earnings Date | 5/5/2025 |
Stock Price History |
|
| Last Day Price | 47.29 |
| Price 4 Years Ago | 151.30 |
| Last Day Price Updated | 3/28/2025 9:15:28 PM EST |
| Last Day Volume | 3,503,920 |
| Average Daily Volume | 5,448,038 |
| 52-Week High | 96.43 |
| 52-Week Low | 20.60 |
| Last Price to 52 Week Low | 129.56% |
Valuation Measures |
|
| Trailing PE | N/A |
| Industry PE | 17.31 |
| Sector PE | 18.76 |
| 5-Year Average PE | -31.24 |
| Free Cash Flow Ratio | 9.96 |
| Industry Free Cash Flow Ratio | 5.58 |
| Sector Free Cash Flow Ratio | 16.64 |
| Current Ratio Most Recent Quarter | 4.52 |
| Total Cash Per Share | 4.75 |
| Book Value Per Share Most Recent Quarter | 6.78 |
| Price to Book Ratio | 7.82 |
| Industry Price to Book Ratio | 3.44 |
| Sector Price to Book Ratio | 2.74 |
| Price to Sales Ratio Twelve Trailing Months | 7.32 |
| Industry Price to Sales Ratio Twelve Trailing Months | 4.65 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.21 |
| Analyst Buy Ratings | 4 |
| Analyst Strong Buy Ratings | 2 |
Share Statistics |
|
| Total Shares Outstanding | 93,711,000 |
| Market Capitalization | 4,431,593,190 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | N/A |
| Previous Dividend Amount | 0.0000 |
| Current Dividend Amount | 0.0000 |
| Total Years Dividend Increasing | N/A |
| Trailing Annual Dividend Rate | 0.00 |
| Trailing Annual Dividend Yield | 0.00% |
| Forward Annual Dividend Rate | 0.00 |
| Forward Annual Dividend Yield | 0.00% |
| 5-Year Dividend Payments Count | 0 |
| 3-Year Average Dividend Yield | 0.00% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 0.00% |
| All-Time Dividend Growth Rate Percentage | 0.00% |
| Dividend Payout Ratio | N/A |
Income Statement |
|
| Quarterly Earnings Growth YOY | 209.10% |
| Annual Earnings Growth | -120.98% |
| Reported EPS 12 Trailing Months | -1.34 |
| Reported EPS Past Year | -0.28 |
| Reported EPS Prior Year | -0.57 |
| Net Income Twelve Trailing Months | -168,224,000 |
| Net Income Past Year | -240,132,000 |
| Net Income Prior Year | -108,665,000 |
| Quarterly Revenue Growth YOY | 46.60% |
| 5-Year Revenue Growth | -22.21% |
| Operating Margin Twelve Trailing Months | 1.18% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 445,274,000 |
| Total Cash Past Year | 368,405,000 |
| Total Cash Prior Year | 422,411,000 |
| Net Cash Position Most Recent Quarter | -272,009,000 |
| Net Cash Position Past Year | -284,594,000 |
| Long Term Debt Past Year | 652,999,000 |
| Long Term Debt Prior Year | 986,394,000 |
| Total Debt Most Recent Quarter | 717,283,000 |
| Equity to Debt Ratio Past Year | 0.49 |
| Equity to Debt Ratio Most Recent Quarter | 0.45 |
| Total Stockholder Equity Past Year | 635,305,000 |
| Total Stockholder Equity Prior Year | 672,435,000 |
| Total Stockholder Equity Most Recent Quarter | 595,536,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 145,308,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 1.55 |
| Free Cash Flow Past Year | -172,579,000 |
| Free Cash Flow Prior Year | -697,594,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | -5.92 |
| MACD Signal | -5.11 |
| 20-Day Bollinger Lower Band | 48.06 |
| 20-Day Bollinger Middle Band | 67.94 |
| 20-Day Bollinger Upper Band | 87.83 |
| Beta | 2.25 |
| RSI | 37.54 |
| 50-Day SMA | 45.81 |
| 150-Day SMA | 33.95 |
| 200-Day SMA | 68.10 |
System |
|
| Modified | 3/28/2025 10:03:19 AM EST |