Stock Scorecard
Stock Summary for Upstart Holdings Inc (UPST) - $52.96 as of 5/12/2025 9:49:08 PM EST
Total Score
6 out of 30
Safety Score
42 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 (42 out of 100)
Stock Price Rating (Max of 10) | 9 |
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 | 3/31/2025 |
Next Earnings Date | N/A |
Stock Price History |
|
Last Day Price | 52.96 |
Price 4 Years Ago | 151.30 |
Last Day Price Updated | 5/12/2025 9:49:08 PM EST |
Last Day Volume | 9,630,127 |
Average Daily Volume | 7,698,924 |
52-Week High | 96.43 |
52-Week Low | 20.60 |
Last Price to 52 Week Low | 157.09% |
Valuation Measures |
|
Trailing PE | N/A |
Industry PE | 13.92 |
Sector PE | 18.76 |
5-Year Average PE | 5.01 |
Free Cash Flow Ratio | 8.33 |
Industry Free Cash Flow Ratio | 6.67 |
Sector Free Cash Flow Ratio | 25.77 |
Current Ratio Most Recent Quarter | 5.13 |
Total Cash Per Share | 6.36 |
Book Value Per Share Most Recent Quarter | 7.12 |
Price to Book Ratio | 6.53 |
Industry Price to Book Ratio | 3.36 |
Sector Price to Book Ratio | 2.07 |
Price to Sales Ratio Twelve Trailing Months | 6.01 |
Industry Price to Sales Ratio Twelve Trailing Months | 5.38 |
Sector Price to Sales Ratio Twelve Trailing Months | 3.16 |
Analyst Buy Ratings | 4 |
Analyst Strong Buy Ratings | 2 |
Share Statistics |
|
Total Shares Outstanding | 95,145,000 |
Market Capitalization | 5,038,879,200 |
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 | 46.45% |
Reported EPS 12 Trailing Months | -0.73 |
Reported EPS Past Year | 0.30 |
Reported EPS Prior Year | -0.28 |
Net Income Twelve Trailing Months | -66,430,000 |
Net Income Past Year | -128,581,000 |
Net Income Prior Year | -240,132,000 |
Quarterly Revenue Growth YOY | 59.10% |
5-Year Revenue Growth | 30.81% |
Operating Margin Twelve Trailing Months | 1.15% |
Balance Sheet |
|
Total Cash Most Recent Quarter | 605,365,000 |
Total Cash Past Year | 788,422,000 |
Total Cash Prior Year | 368,405,000 |
Net Cash Position Most Recent Quarter | -602,523,000 |
Net Cash Position Past Year | -418,141,000 |
Long Term Debt Past Year | 1,206,563,000 |
Long Term Debt Prior Year | 652,999,000 |
Total Debt Most Recent Quarter | 1,207,888,000 |
Equity to Debt Ratio Past Year | 0.34 |
Equity to Debt Ratio Most Recent Quarter | 0.36 |
Total Stockholder Equity Past Year | 633,218,000 |
Total Stockholder Equity Prior Year | 635,305,000 |
Total Stockholder Equity Most Recent Quarter | 676,642,000 |
Free Cash Flow |
|
Free Cash Flow Twelve Trailing Months | 108,201,000 |
Free Cash Flow Per Share Twelve Trailing Months | 1.14 |
Free Cash Flow Past Year | 185,494,000 |
Free Cash Flow Prior Year | -162,020,000 |
Options |
|
Put/Call Ratio | 0.79 |
Has Options | Options Chain |
Liquidity Rating | |
Technical Analysis |
|
Yahoo Finance Chart | Yahoo Finance Chart |
MACD | 0.40 |
MACD Signal | -0.33 |
20-Day Bollinger Lower Band | 32.58 |
20-Day Bollinger Middle Band | 56.88 |
20-Day Bollinger Upper Band | 81.17 |
Beta | 2.39 |
RSI | 51.70 |
50-Day SMA | 48.59 |
150-Day SMA | 33.78 |
200-Day SMA | 64.83 |
System |
|
Modified | 5/10/2025 12:38:41 PM EST |