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Equity
Upstart HoldingsĀ Inc(UPST)
USD --+0.00%
Reward58Moderate
Risk76High
šŸ“Š75%Data
Thin 5% profit margin Ā· Revenue growing 34% YoY
UPST
+0.0 Ā· +0.00%
USD Ā· NASDAQ
Upstart HoldingsĀ Inc | Financial Services
Profitless Growth
Market Cap:2.67Bn
ā„¹ļø
Reward Rating
58
Moderate
Top 50% (model universe)
75% data coverage
ā„¹ļø
Risk Rating
76
High
Risk Assessment
ā„¹ļø

Educational tool only ā€“ Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ā„¹ļø Educational tool only Ā· More
Limited data coverage
We don't have enough public data on UPST to score it reliably yet ā€” Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock ā€” scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have ā€” try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

Analyst Target

Analyst consensus price target: $50.67.

What is Upstart HoldingsĀ Inc?

, together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States.

UPST Ā· Verdict

Solid reward Ā· high risk

UPST's standout is growth; volatility and balance sheet weigh on the picture.

Based on 88% data coverage

UPST Ā· Verdict

Whatā€™s working & what to watch

Strengths 1

  • Growth76/100

    Revenue +8.5% CAGR

Watchouts 4

  • Volatility5/100

    Weak vs peers

  • Balance sheet22/100

    Interest covered 1.1Ɨ

  • Cash flow30/100

    -15% free-cash-flow margin

  • Valuation33/100

    P/E 28.3Ɨ Ā· PEG 0.70

Model-based scoring. For information only ā€” not financial advice.

What is Upstart HoldingsĀ Inc?

, together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. The company is listed on the NASDAQ in USA, operating in the Financial Services sector, with a market capitalisation of 2.67B, and a P/E ratio of 60.5x.

Financial Highlights

Investment Breakdown

šŸ“ˆ Growth
Revenue and earnings growing steadily, indicating improving operating performance.
šŸ’° Profitability
Profitability metrics are mixed ā€” margins may be under pressure.
āš ļø Risk
Elevated volatility implies higher downside and expectation risk.
šŸ’ø Valuation
Premium valuation reflects strong growth expectations already priced in.

OpenBook Logo Analysis

Reward: Moderate (58)

The scoring profile indicates moderate reward potential, with growth and momentum as the leading contributors. Risk indicators are high ā€” this profile reflects meaningful downside exposure.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap2.67B
P/E Ratio60.5111
Dividend YieldN/A
52 Week High87.3
52 Week Low26.8
Last AnnualDecember
IPO Date12/16/2020
IncorporatedUSA
Shares Outstanding95M
No. of Employees1,405
IndustryCredit Services
ExchangeNASDAQ
Beta2.386
CurrencyUSD
Websitewww.upstart.com
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