Upstart Holdingsinc Stock Fundamentals
| UPST Stock | USD 25.41 0.20 0.78% |
Upstart HoldingsInc fundamentals help investors to digest information that contributes to Upstart HoldingsInc's financial success or failures. It also enables traders to predict the movement of Upstart Stock. The fundamental analysis module provides a way to measure Upstart HoldingsInc's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to Upstart HoldingsInc stock.
At this time, Upstart HoldingsInc's Net Interest Income is comparatively stable compared to the past year. Interest Income is likely to gain to about 164 M in 2024, whereas Selling General Administrative is likely to drop slightly above 161.4 M in 2024. Upstart | Select Account or Indicator |
Upstart HoldingsInc Company Return On Equity Analysis
Upstart HoldingsInc's Return on Equity or ROE tells company stockholders how effectually their money is being utilized or reinvested. It is a useful ratio when analyzing company profitability or the management effectiveness given the capital invested by the shareholders. ROE shows how efficiently a company utilizes investments to generate income.
Current Upstart HoldingsInc Return On Equity | -0.28 |
Most of Upstart HoldingsInc's fundamental indicators, such as Return On Equity, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, Upstart HoldingsInc is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.
For most industries, Return on Equity between 10% and 30% are considered desirable to provide dividends to owners and have funds for the future growth of the company. Investors should be very careful using ROE as the only efficiency indicator because ROE can be high if a company is heavily leveraged.
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Upstart Total Stockholder Equity
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Based on the latest financial disclosure, Upstart HoldingsInc has a Return On Equity of -0.283. This is 119.52% lower than that of the Consumer Finance sector and 103.72% lower than that of the Financials industry. The return on equity for all United States stocks is 8.71% lower than that of the firm.
Upstart HoldingsInc Fundamental Drivers Relationships
Comparative valuation techniques use various fundamental indicators to help in determining Upstart HoldingsInc's current stock value. Our valuation model uses many indicators to compare Upstart HoldingsInc value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Upstart HoldingsInc competition to find correlations between indicators driving Upstart HoldingsInc's intrinsic value. More Info.Upstart HoldingsInc is rated first in return on equity category among related companies. It is rated first in return on asset category among related companies . At this time, Upstart HoldingsInc's Return On Equity is comparatively stable compared to the past year.Comparative valuation analysis is a catch-all model that can be used if you cannot value Upstart HoldingsInc by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Upstart HoldingsInc's Stock. Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Upstart HoldingsInc's earnings, one of the primary drivers of an investment's value.Upstart Return On Equity Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Upstart HoldingsInc's direct or indirect competition against its Return On Equity to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Upstart HoldingsInc could also be used in its relative valuation, which is a method of valuing Upstart HoldingsInc by comparing valuation metrics of similar companies.Upstart HoldingsInc is currently under evaluation in return on equity category among related companies.
Upstart HoldingsInc Current Valuation Drivers
We derive many important indicators used in calculating different scores of Upstart HoldingsInc from analyzing Upstart HoldingsInc's financial statements. These drivers represent accounts that assess Upstart HoldingsInc's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Upstart HoldingsInc's important valuation drivers and their relationship over time.
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Market Cap | 2.2B | 3.0B | 11.8B | 1.1B | 3.4B | 2.5B | |
| Enterprise Value | 2.2B | 2.8B | 11.6B | 2.1B | 4.2B | 3.1B |
Upstart HoldingsInc ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Upstart HoldingsInc's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Upstart HoldingsInc's managers, analysts, and investors.Environmental | Governance | Social |
Upstart Fundamentals
| Return On Equity | -0.28 | ||||
| Return On Asset | -0.0512 | ||||
| Profit Margin | (0.30) % | ||||
| Operating Margin | (0.41) % | ||||
| Current Valuation | 3.13 B | ||||
| Shares Outstanding | 87.88 M | ||||
| Shares Owned By Insiders | 13.10 % | ||||
| Shares Owned By Institutions | 45.76 % | ||||
| Number Of Shares Shorted | 24.27 M | ||||
| Price To Earning | 17.98 X | ||||
| Price To Book | 3.29 X | ||||
| Price To Sales | 3.81 X | ||||
| Revenue | 513.56 M | ||||
| Gross Profit | 665.29 M | ||||
| EBITDA | (231.62 M) | ||||
| Net Income | (240.13 M) | ||||
| Cash And Equivalents | 683.97 M | ||||
| Cash Per Share | 8.35 X | ||||
| Total Debt | 1.24 B | ||||
| Debt To Equity | 1.42 % | ||||
| Current Ratio | 21.37 X | ||||
| Book Value Per Share | 6.98 X | ||||
| Cash Flow From Operations | (160.49 M) | ||||
| Short Ratio | 6.79 X | ||||
| Earnings Per Share | (2.03) X | ||||
| Price To Earnings To Growth | (20.31) X | ||||
| Target Price | 19.05 | ||||
| Number Of Employees | 1.39 K | ||||
| Beta | 2.01 | ||||
| Market Capitalization | 2.23 B | ||||
| Total Asset | 2.02 B | ||||
| Retained Earnings | (282.58 M) | ||||
| Net Asset | 2.02 B |
About Upstart HoldingsInc Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Upstart HoldingsInc's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Upstart HoldingsInc using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Upstart HoldingsInc based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.| Last Reported | Projected for Next Year | ||
| Total Revenue | 513.6 M | 433.5 M | |
| Cost Of Revenue | 24.9 M | 23.7 M | |
| Stock Based Compensation To Revenue | 0.34 | 0.36 | |
| Sales General And Administrative To Revenue | 0.41 | 0.43 | |
| Research And Ddevelopement To Revenue | 0.55 | 0.57 | |
| Capex To Revenue | (0.02) | (0.02) | |
| Revenue Per Share | 6.13 | 5.37 | |
| Ebit Per Revenue | (0.50) | (0.47) |
Pair Trading with Upstart HoldingsInc
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Upstart HoldingsInc position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Upstart HoldingsInc will appreciate offsetting losses from the drop in the long position's value.The ability to find closely correlated positions to Upstart HoldingsInc could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Upstart HoldingsInc when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Upstart HoldingsInc - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Upstart HoldingsInc to buy it.
The correlation of Upstart HoldingsInc is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Upstart HoldingsInc moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Upstart HoldingsInc moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Upstart HoldingsInc can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Check out Upstart HoldingsInc Piotroski F Score and Upstart HoldingsInc Altman Z Score analysis. For more information on how to buy Upstart Stock please use our How to Invest in Upstart HoldingsInc guide.You can also try the Theme Ratings module to determine theme ratings based on digital equity recommendations. Macroaxis theme ratings are based on combination of fundamental analysis and risk-adjusted market performance.
Complementary Tools for Upstart Stock analysis
When running Upstart HoldingsInc's price analysis, check to measure Upstart HoldingsInc's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Upstart HoldingsInc is operating at the current time. Most of Upstart HoldingsInc's value examination focuses on studying past and present price action to predict the probability of Upstart HoldingsInc's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Upstart HoldingsInc's price. Additionally, you may evaluate how the addition of Upstart HoldingsInc to your portfolios can decrease your overall portfolio volatility.
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Is Upstart HoldingsInc's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Upstart HoldingsInc. If investors know Upstart will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Upstart HoldingsInc listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 2.091 | Earnings Share (2.03) | Revenue Per Share 6.783 | Quarterly Revenue Growth 0.258 | Return On Assets (0.05) |
The market value of Upstart HoldingsInc is measured differently than its book value, which is the value of Upstart that is recorded on the company's balance sheet. Investors also form their own opinion of Upstart HoldingsInc's value that differs from its market value or its book value, called intrinsic value, which is Upstart HoldingsInc's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Upstart HoldingsInc's market value can be influenced by many factors that don't directly affect Upstart HoldingsInc's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Upstart HoldingsInc's value and its price as these two are different measures arrived at by different means. Investors typically determine if Upstart HoldingsInc is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Upstart HoldingsInc's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.