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Overview
Profile

Upstart Holdings Company

UPST
US91680M1071
A2QJL7

Price

41.30
Today +/-
+2.15
Today %
+5.88 %
P

Upstart Holdings stock price

%
Weekly
Details

Price

ⓘ

Overview

The Quote Chart provides detailed and dynamic insights into the Upstart Holdings stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Upstart Holdings stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Upstart Holdings stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Upstart Holdings's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Upstart Holdings Stock Price History

DateUpstart Holdings Price
10/4/202441.30 undefined
10/3/202438.94 undefined
10/2/202438.94 undefined
10/1/202437.78 undefined
9/30/202440.01 undefined
9/27/202440.85 undefined
9/26/202440.89 undefined
9/25/202439.55 undefined
9/24/202437.64 undefined
9/23/202438.53 undefined
9/20/202439.74 undefined
9/19/202440.00 undefined
9/18/202438.31 undefined
9/17/202437.69 undefined
9/16/202435.12 undefined
9/13/202438.03 undefined
9/12/202436.09 undefined
9/11/202435.14 undefined
9/10/202433.66 undefined
9/9/202435.19 undefined

Upstart Holdings Revenue, EBIT, Net Income

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  • Max

Revenue
EBIT
Net Income
Details

Revenue, EBIT and Profit

ⓘ

Understanding Revenue, EBIT, and Income

Gain insights into Upstart Holdings, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Upstart Holdings from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Upstart Holdings’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Upstart Holdings. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Upstart Holdings’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Upstart Holdings’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Upstart Holdings’s growth potential.

Upstart Holdings Revenue, EBIT and net profit per share

DateUpstart Holdings RevenueUpstart Holdings EBITUpstart Holdings Net Income
2026e870.11 M undefined1.69 M undefined70.24 M undefined
2025e740.43 M undefined-155.19 M undefined20.37 M undefined
2024e579.27 M undefined-214.72 M undefined-62.3 M undefined
2023513.56 M undefined-256.53 M undefined-240.13 M undefined
2022907.3 M undefined-49.1 M undefined-108.7 M undefined
2021801.3 M undefined94.8 M undefined135.4 M undefined
2020228.6 M undefined7 M undefined6 M undefined
2019159.8 M undefined-8.9 M undefined-500,000 undefined
201888.5 M undefined-18.8 M undefined-12.3 M undefined
201751.2 M undefined-13.6 M undefined-7.7 M undefined

Upstart Holdings Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (M)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (M)EBIT (M)EBIT MARGIN (%)NET INCOME (M)NET INCOME GROWTH (%)SHARES (M)DOCUMENTS
20172018201920202021202220232024e2025e2026e
5188159228801907513579740870
-72.5580.6843.40251.3213.23-43.4412.8727.8117.57
78.4382.9584.2883.7785.2779.2770.76---
4073134191683719363000
-13-18-8794-49-256-214-1551
-25.49-20.45-5.033.0711.74-5.40-49.90-36.96-20.950.11
-7-1206135-108-240-622070
-71.43--2,150.00-180.00122.22-74.17-132.26250.00
72.572.572.573.694.882.883.77000
----------
Details

Keystats

ⓘ

Revenue and Growth

The Upstart Holdings Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Upstart Holdings is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (M)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (M)TANGIBLE ASSETS (M)LONG-T. INVEST. (M)LONG-T. REC. (B)INTANGIBLE ASSETS (M)GOODWILL (M)OTHER NON-CURRENT ASSETS (M)NON-CURRENT ASSETS (B)TOTAL ASSETS (B)LIABILITIESCOMMON STOCK (M)ADDITIONAL PAID-IN CAPITAL (M)RETAINED EARNINGS (M)OTHER EQUITY (M)UNREAL. GAINS/LOSSES (M)EQUITY (M)LIABILITIES (M)PROVISIONS (M)OTHER SHORT-TERM LIAB. (M)SHORT-TERM DEBTS (M)LONG-TERM DEBT PORTION (M)SHORT-TERM REC. (M)LONG-T. LIAB. (B)DEFERRED TAXES (M)OTHER LIAB. (M)LONG-T. LIABILITIES (B)DEBT (B)TOTAL CAPITAL (B)
201820192020202120222023
           
7344.4250.8986.6422.4368.41
000000
000000
000000
000000
7344.4250.8986.6422.4368.41
1.522.228.3120.4130.597.35
0004041.341.25
0.510.270.10.281.051.2
00019.915.611.36
00067.167.167.06
55.140.966.5234.6126.8117.36
0.570.330.20.761.431.53
0.640.380.451.751.861.9
           
157.9162.50000.01
8.412.5369.5740.8714.9917.87
-75.1-75.2-69.266.2-42.4-282.58
000000
000000
91.299.8300.3807672.5635.31
24.126.259.3114.2109.566.19
637.844.2185.9146.1120.58
373.196.1000141.42
53.200000
000000
456.4160.1103.5300.1255.6328.19
0.080.120.060.70.991.04
000000
11.313.910.917.921.613.18
0.090.130.070.711.011.05
0.540.290.181.011.261.38
0.630.390.481.821.942.02
Details

Balance Sheet

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Understanding the Balance Sheet

The balance sheet of Upstart Holdings provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Upstart Holdings's financial health and stability.

Assets

Upstart Holdings's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Upstart Holdings must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Upstart Holdings after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Upstart Holdings's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (M)DEPRECIATION (M)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (M)NON-CASH ITEM (M)PAID INTEREST (M)PAID TAXES (M)NET CASH FLOW FROM OPERATING ACTIVITIES (M)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (M)CASH FLOW FROM OTHER INVESTING ACTIVITIES (M)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (M)NET CHANGE IN EQUITY (M)CASH FLOW FROM FINANCING ACTIVITIES (M)CASH FLOW FROM OTHER FINANCING ACTIVITIES (M)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (M)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
2017201820192020202120222023
-8-11-55135-108-240
000271324
0000000
21130-32-42-848-340
0493951141395569
92626831236
0000-200
10503115168-674-160
0-1-5-5-15-22-12
-393-13745136-143-114-118
-392-13650142-128-91-106
0000000
39787-116-82647287192
1501161224-15721
412135-11979855130214
14-2-50-1600
0000000
2948-42231879-658-64
9.649.326.310.1153.3-697.6-172.58
0000000

Upstart Holdings stock margins

The Upstart Holdings margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Upstart Holdings. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Upstart Holdings.

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Gross margin
EBIT margin
Profit margin
Details

Margin

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Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Upstart Holdings's sales revenue. A higher gross margin percentage indicates that the Upstart Holdings retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Upstart Holdings's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Upstart Holdings's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Upstart Holdings's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Upstart Holdings. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Upstart Holdings's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Upstart Holdings Margin History

Upstart Holdings Gross marginUpstart Holdings Profit marginUpstart Holdings EBIT marginUpstart Holdings Profit margin
2026e70.71 %0.19 %8.07 %
2025e70.71 %-20.96 %2.75 %
2024e70.71 %-37.07 %-10.75 %
202370.71 %-49.95 %-46.76 %
202279.28 %-5.41 %-11.98 %
202185.32 %11.83 %16.9 %
202083.55 %3.06 %2.62 %
201984.42 %-5.57 %-0.31 %
201882.6 %-21.24 %-13.9 %
201779.88 %-26.56 %-15.04 %

Upstart Holdings Stock Sales Revenue, EBIT, Earnings per Share

The Upstart Holdings earnings per share therefore indicates how much revenue Upstart Holdings has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

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Sales per Share
EBIT per share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue Upstart Holdings earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Upstart Holdings's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Upstart Holdings’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Upstart Holdings's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Upstart Holdings Revenue, EBIT and net profit per share

DateUpstart Holdings Sales per ShareUpstart Holdings EBIT per shareUpstart Holdings Earnings per Share
2026e9.72 undefined0 undefined0.78 undefined
2025e8.27 undefined0 undefined0.23 undefined
2024e6.47 undefined0 undefined-0.7 undefined
20236.13 undefined-3.06 undefined-2.87 undefined
202210.96 undefined-0.59 undefined-1.31 undefined
20218.45 undefined1 undefined1.43 undefined
20203.11 undefined0.1 undefined0.08 undefined
20192.2 undefined-0.12 undefined-0.01 undefined
20181.22 undefined-0.26 undefined-0.17 undefined
20170.71 undefined-0.19 undefined-0.11 undefined

Upstart Holdings business model

Upstart Holdings Inc is an online lender that was founded in 2012 by Dave Girouard, Anna Counselman, and other former Google employees. The company differentiates itself from traditional lenders by using an artificial intelligence platform to automate credit evaluations. It also offers lower interest rates than many traditional lenders and focuses on providing education and consumer loans. Upstart received its first round of funding in 2012 and has received several million dollars in investments over the years. In 2015, the company conducted a Series C funding round worth $35 million, led by Third Point Ventures, and in 2017, it conducted a Series D funding round worth $32.5 million, led by Rakuten. Upstart is headquartered in San Carlos, California and also operates branches in Texas, Ohio, and Utah. The company currently has approximately 425 employees and plans to expand further in the future. Upstart's business model is based on using artificial intelligence to provide lenders with a fast and accurate way to assess applicants' creditworthiness. Upstart uses a wide range of information, including educational and employment histories, to obtain a comprehensive picture of applicants. The company also utilizes data analytics and machine learning to identify patterns in the data and continuously improve creditworthiness evaluations. Upstart's various divisions include education loans, consumer loans, and partnerships with other companies to develop their credit programs and platforms. Upstart offers its customers a wide range of products, including student loans, career training loans, and debt consolidation loans. Upstart's education loans offer flexible repayment plans and interest rates that are often lower than those of traditional lenders. The company collaborates with various universities and other educational institutions to offer customized loan programs for students. Upstart's consumer loans encompass loans for consolidating credit card debt, loans for major purchases such as car repairs or furniture purchases, and loans for financing renovation projects. Upstart also provides customization options so that customers can tailor their loans to their individual needs. Upstart also collaborates with companies to develop their credit programs and platforms based on the company's technology and credit analysis tools. This enables companies to quickly and effectively extend credit to their customers while minimizing the risk of defaults. Upstart has quickly become a leading online lender that uses intelligent technology to make credit lending faster and more effective. The company specializes in providing loans for education and consumer credit and offers its customers a wide range of products and services. Upstart remains innovative by continuously exploring the possibilities of artificial intelligence to further improve its lending practices and satisfy its customers. Upstart Holdings is one of the most popular companies on Eulerpool.com.

Upstart Holdings Revenue by Segment

  • Max

Details

Revenue by Segment

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Overview of Revenue by Segment

The chart visualizes revenues by segments and provides a clear overview of the revenue distribution. Each segment is clearly marked to facilitate comparisons of revenues.

Interpretation and Use

The chart enables quick identification of the highest-revenue segments, which is helpful in strategic decision-making. It supports the analysis of growth potentials and targeted resource allocation.

Investment Strategy

An investment strategy determines how capital is deliberately invested into various asset classes to maximize returns. It is based on risk tolerance, investment objectives, and a long-term plan.

Upstart Holdings Revenue by Segment

Segmente20222021
Platform and referral fees, net732.24 M USD726.16 M USD
Servicing and other fees, net175.04 M USD75.11 M USD
Borrower fees25.21 M USD7.29 M USD
Collection agency fees10.52 M USD4.47 M USD

Upstart Holdings SWOT Analysis

Strengths

Upstart Holdings Inc has several notable strengths that contribute to its competitive advantage in the market.

  • Advanced Technology: Upstart utilizes cutting-edge technology and proprietary algorithms to improve the accuracy and efficiency of its lending platform.
  • Strong Partnerships: The company has established strategic partnerships with major financial institutions, enhancing its reputation and access to potential customers.
  • First-Mover Advantage: Upstart was one of the first companies to pioneer the use of artificial intelligence and machine learning in the lending industry, giving it a head start over competitors.
  • Diverse Loan Portfolio: The company offers a wide range of loan products, catering to various customer segments and increasing revenue streams.

Weaknesses

Despite its strengths, Upstart Holdings Inc also faces certain weaknesses that pose challenges to its growth.

  • Regulatory Environment: The lending industry is heavily regulated, and changes in regulations may require Upstart to make costly adjustments to its business model.
  • Dependency on Partners: While partnerships have been a strength, Upstart's success is partially dependent on the sustained cooperation of its financial institution partners.
  • Perception and Trust: As a relatively new player in the market, Upstart may face skepticism and mistrust from potential borrowers who are unfamiliar with the brand.

Opportunities

Upstart Holdings Inc can leverage various opportunities to further expand its market presence and revenue streams.

  • Market Growth: The online lending industry continues to grow rapidly, providing Upstart with an expanding customer base and revenue potential.
  • International Expansion: Upstart can explore expanding its operations into new international markets to access untapped customer segments.
  • Product Diversification: The company can develop and introduce new loan products to cater to evolving customer needs and preferences.
  • Partnership Expansion: Upstart can seek additional partnerships with reputable financial institutions to expand its distribution and reach.

Threats

Upstart Holdings Inc faces certain threats that could impact its growth and profitability in the future.

  • Competition: The online lending industry is highly competitive, with the presence of established players and potential new entrants offering similar services.
  • Economic Factors: Economic downturns or unfavorable market conditions may lead to a decrease in demand for loans, affecting Upstart's business.
  • Credit Risks: As a lender, Upstart is exposed to the risk of defaults and delinquencies, which can have a negative impact on its financial performance.
  • Data Security: Maintaining the security and privacy of customer data is crucial, and any data breaches or cybersecurity threats could damage Upstart's reputation and trust.

Upstart Holdings Eulerpool Fair Value

Details

Fair Value

ⓘ

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Upstart Holdings historical P/E ratio, EBIT multiple, and P/S ratio

Upstart Holdings shares outstanding

The number of shares was Upstart Holdings in 2023 — This indicates how many shares 83.766 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

  • 3 years

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Number of stocks
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue Upstart Holdings earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Upstart Holdings's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Upstart Holdings’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Upstart Holdings's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Unfortunately, there are currently no price targets and forecasts available for Upstart Holdings.

Upstart Holdings latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
6/30/2024-0.4 -0.17  (57.52 %)2024 Q2
3/31/2024-0.39 -0.31  (21.24 %)2024 Q1
12/31/2023-0.14 -0.11  (23.72 %)2023 Q4
9/30/2023-0.02 -0.05  (-201.2 %)2023 Q3
6/30/2023-0.07 0.06  (186.08 %)2023 Q2
3/31/2023-0.83 -0.47  (43.04 %)2023 Q1
12/31/2022-0.48 -0.25  (48.21 %)2022 Q4
9/30/2022-0.08 -0.24  (-185.71 %)2022 Q3
6/30/20220.1 0.01  (-90.21 %)2022 Q2
3/31/20220.52 0.61  (17.06 %)2022 Q1
1
2

Eulerpool ESG Scorecard© for the Upstart Holdings stock

Eulerpool World ESG Rating (EESG©)

14/ 100

🌱 Environment

4

👫 Social

26

🏛️ Governance

13

Environment

Scope 1 - Direct Emissions
—
Scope 2 - Indirect emissions from purchased energy
—
Scope 3 - Indirect emissions within the value chain
—
Total CO₂ emissions
—
CO₂ reduction strategy
✅
Coal energy
❌
Nuclear power
❌
Animal experiments
❌
Fur & Leather
—
Pesticides
—
Palm Oil
—
Tobacco
❌
Genetically modified organisms
❌
Climate concept
—
Sustainable forestry
—
Recycling regulations
❌
Environmentally friendly packaging
❌
Hazardous substances
❌
Fuel consumption and efficiency
❌
Water consumption and efficiency
❌

Social

Percentage of female employees36.8
Percentage of women in management—
Percentage of Asian employees23.4
Share of Asian management—
Percentage of Hispanic/Latino employees1.7
Hispano/Latino Management share—
Percentage of Black employees5.4
Black Management Share—
Percentage of white employees64.8
White Management Share—
Adult content❌
Alcohol❌
Weapons—
Firearms
❌
Gambling❌
Military contracts❌
Human rights concept❌
Privacy concept—
Occupational health and safety❌
Catholic✅

Governance (Corporate Governance)

Environmental reporting✅
Stakeholder Engagement❌
Call Back Policies❌
Antitrust law❌

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Upstart Holdings shareholders

%
Name
Stocks
Change
Date
7.81908 % The Vanguard Group, Inc.6,998,855157,71912/31/2023
5.40564 % BlackRock Institutional Trust Company, N.A.4,838,592489,34212/31/2023
3.71404 % D. E. Shaw & Co., L.P.3,324,441507,36612/31/2023
2.20767 % Morgan Stanley & Co. LLC1,976,089213,31312/31/2023
2.13582 % Jane Street Capital, L.L.C.1,911,7711,683,38512/31/2023
2.05057 % State Street Global Advisors (US)1,835,46986,72612/31/2023
11.97834 % Girouard (David)10,721,81610,6493/1/2024
1.79138 % Geode Capital Management, L.L.C.1,603,464101,63812/31/2023
1.54089 % BMO Capital Markets (US)1,379,247-20612/31/2023
1.46754 % BofA Global Research (US)1,313,5941,032,29412/31/2023
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Upstart Holdings Executives and Management Board

Mr. Paul Gu32
Upstart Holdings Co-Founder, Chief Technology Officer, Director (since 2012)
Compensation 51.85 M
Mr. Sanjay Datta49
Upstart Holdings Chief Financial Officer
Compensation 11.52 M
Mr. Dave Girouard57
Upstart Holdings Chairman of the Board, Chief Executive Officer, Co-Founder (since 2012)
Compensation 9.61 M
Mr. Scott Darling51
Upstart Holdings Chief Legal Officer, Corporate Secretary
Compensation 5.75 M
Ms. Anna Counselman42
Upstart Holdings Co-Founder, Senior Vice President - Business Operations
Compensation 2.28 M
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Upstart Holdings Supply Chain

NameRelationshipTwo-week correlationOne-month correlationThree-Month CorrelationSix-Month CorrelationOne Year CorrelationTwo-Year Correlation
Berkshire Hills Bancorp Stock
Berkshire Hills Bancorp
SupplierCustomer0,310,080,830,48-0,26-
First Natl of Nebraska Stock
First Natl of Nebraska
SupplierCustomer0,240,450,24-0,29-0,29-
WSFS Financial Stock
WSFS Financial
SupplierCustomer0,200,320,780,620,46-
First Finl Bancorp /OH Stock
First Finl Bancorp /OH
SupplierCustomer0,030,700,840,570,22-
Associated Banc Stock
Associated Banc
SupplierCustomer-0,050,620,860,480,02-
Amazon.com Stock
Amazon.com
SupplierCustomer-0,450,660,400,640,38-
Customers Bancorp Stock
Customers Bancorp
SupplierCustomer-0,640,800,810,65-0,05-
OFG Bancorp Stock
OFG Bancorp
SupplierCustomer-0,650,09-0,10-0,25-0,15-
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Most common questions regarding Upstart Holdings

What values and corporate philosophy does Upstart Holdings represent?

Upstart Holdings Inc represents the values of innovation, technology, and financial inclusivity. With a corporate philosophy focused on using artificial intelligence and machine learning to create more efficient lending processes, Upstart aims to bridge the gap between traditional banking institutions and underserved individuals. The company strives to provide fair and affordable access to credit, enabling borrowers to achieve their financial goals. Upstart's commitment to transparency, trust, and data-driven decision-making sets it apart in the lending industry. By leveraging cutting-edge technology, Upstart Holdings Inc aims to revolutionize the way people obtain loans, empowering individuals to thrive and reach their full potential.

In which countries and regions is Upstart Holdings primarily present?

Upstart Holdings Inc is primarily present in the United States.

What significant milestones has the company Upstart Holdings achieved?

Upstart Holdings Inc has achieved several significant milestones. One notable accomplishment is its successful initial public offering (IPO) on December 16, 2020. This milestone allowed the company to list its shares on the Nasdaq stock exchange under the ticker symbol "UPST." Additionally, Upstart has shown impressive growth and innovation in the fintech industry, leveraging advanced artificial intelligence (AI) technology to revolutionize the lending process. The company has consistently expanded its customer base and partnership network, attracting renowned financial institutions. Furthermore, Upstart's continuous recognition and awards for its industry-leading platform and disruptive approach highlight its commitment to transforming the traditional lending landscape.

What is the history and background of the company Upstart Holdings?

Upstart Holdings Inc is a company with a rich history and background in the financial technology sector. Founded in 2012 by a group of ex-Google employees, Upstart has emerged as a leading online lending platform. The company utilizes advanced AI algorithms and machine learning to revolutionize the lending industry. Upstart focuses on providing personal loans for various purposes, including debt consolidation and education expenses. Its data-driven approach has proven successful, resulting in faster loan approvals and lower interest rates compared to traditional lenders. With a strong emphasis on innovation and technology, Upstart Holdings Inc continues to disrupt the lending landscape and create opportunities for borrowers and investors alike.

Who are the main competitors of Upstart Holdings in the market?

The main competitors of Upstart Holdings Inc in the market include other online lending platforms such as LendingClub Corporation, Prosper Marketplace Inc, and SoFi Technologies Inc. These companies also offer innovative online lending solutions and compete with Upstart in terms of loan origination volume, borrower acquisition, and lender partnerships. Upstart Holdings Inc, continues to differentiate itself through its proprietary artificial intelligence-based underwriting model, which utilizes machine learning algorithms to assess creditworthiness and provide quick access to affordable loans. However, these competitors pose a challenge in terms of capturing market share and expanding its presence in the online lending industry.

In which industries is Upstart Holdings primarily active?

Upstart Holdings Inc is primarily active in the financial technology industry. With its innovative artificial intelligence (AI) platform, Upstart revolutionizes how loans are originated and processed. By utilizing advanced algorithms and machine learning, Upstart analyzes vast amounts of data to assess the creditworthiness of borrowers, enabling faster and more accurate lending decisions. This fintech disruptor has expanded its presence in sectors like consumer lending, personal loans, auto loans, and credit card consolidation. Through its unique technology-driven approach, Upstart aims to transform the lending landscape and provide broader access to affordable credit solutions for individuals and institutional partners.

What is the business model of Upstart Holdings?

The business model of Upstart Holdings Inc is a modern lending platform that utilizes artificial intelligence (AI) and machine learning to improve the accuracy and efficiency of loan underwriting. Upstart connects borrowers with a network of investors who are interested in funding their loan requests. By analyzing a wide range of alternative data points, such as education, employment history, and even the borrower's area of study, Upstart aims to provide more accurate risk assessments and expand access to affordable credit. This innovative approach has gained popularity among consumers and investors alike, making Upstart Holdings Inc a leader in the online lending industry.

What is the P/E ratio of Upstart Holdings 2024?

The Upstart Holdings P/E ratio is -55.53.

What is the P/S ratio of Upstart Holdings 2024?

The Upstart Holdings P/S ratio is 5.97.

What is the Quality Investing of Upstart Holdings?

The Quality Investing for Upstart Holdings is 3/10.

What is the revenue of Upstart Holdings 2024?

The expected Upstart Holdings revenue is 579.27 M USD.

How high is the profit of Upstart Holdings 2024?

The expected Upstart Holdings profit is -62.3 M USD.

What is the business model of Upstart Holdings

Upstart Holdings Inc is a leading online credit platform company in the US. The business model of Upstart is focused on providing borrowers with fast and easy financing options, while enabling investors to earn profitable returns on their investments. Upstart was founded in 2012 in Palo Alto, California and has since become a true pioneer in the FinTech industry. Upstart offers a range of products and services that customers can apply for online. These include personal loans, debt consolidation, and auto loans. Access to these loans is easy and fast, without lengthy procedures or credit checks. Upstart utilizes a combination of proprietary algorithms, machine learning, and artificial intelligence to quickly evaluate borrowers and minimize risk. Upstart recognizes that many borrowers are denied by traditional banks due to imperfect creditworthiness, even though they are capable of repaying loans. The company has tailored its business model to provide these borrowers with faster and easier access to credit. Traditional factors such as income, employment history, and borrower expenses are evaluated, as well as several non-traditional factors such as education, field of study, etc. The evaluation factors are automatically weighted by a machine learning based model to make a decision. Upstart also enables investors to invest in loan originations and achieve high returns on their investments. Upstart offers an online platform where investors can directly invest in the approval of loans. The risk is automatically diversified across many different loans to minimize overall risk. Investors can flexibly choose the level of risk they want to take and maximize their returns. This innovative approach has attracted investors from individual investors, private equity, and hedge funds. Upstart also offers partnerships with traditional financial institutions such as banks, credit card issuers, and other lenders. The company provides its technology platform to automate processes in a customer-friendly and cost-effective way. Upstart's platform is easily integrable, which helps customers streamline the loan origination processes more efficiently. Overall, Upstart Holdings Inc has a strong business model that has contributed to the company's rapid growth and significant presence in the financial sector since 2012. Upstart has established itself as a leader in lending through its innovative and data-driven approach and is expected to continue to be an important part of the US financial system in the future.

What is the Upstart Holdings dividend?

Upstart Holdings pays a dividend of 0 USD distributed over payouts per year.

How often does Upstart Holdings pay dividends?

The dividend cannot currently be calculated for Upstart Holdings or the company does not pay out a dividend.

What is the Upstart Holdings ISIN?

The ISIN of Upstart Holdings is US91680M1071.

What is the Upstart Holdings WKN?

The WKN of Upstart Holdings is A2QJL7.

What is the Upstart Holdings ticker?

The ticker of Upstart Holdings is UPST.

How much dividend does Upstart Holdings pay?

Over the past 12 months, Upstart Holdings paid a dividend of . This corresponds to a dividend yield of about . For the coming 12 months, Upstart Holdings is expected to pay a dividend of 0 USD.

What is the dividend yield of Upstart Holdings?

The current dividend yield of Upstart Holdings is .

When does Upstart Holdings pay dividends?

Upstart Holdings pays a quarterly dividend. This is distributed in the months of .

How secure is the dividend of Upstart Holdings?

Upstart Holdings paid dividends every year for the past 0 years.

What is the dividend of Upstart Holdings?

For the upcoming 12 months, dividends amounting to 0 USD are expected. This corresponds to a dividend yield of 0 %.

In which sector is Upstart Holdings located?

Upstart Holdings is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Upstart Holdings kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Upstart Holdings from 10/6/2024 amounting to 0 USD, you needed to have the stock in your portfolio before the ex-date on 10/6/2024.

When did Upstart Holdings pay the last dividend?

The last dividend was paid out on 10/6/2024.

What was the dividend of Upstart Holdings in the year 2023?

In the year 2023, Upstart Holdings distributed 0 USD as dividends.

In which currency does Upstart Holdings pay out the dividend?

The dividends of Upstart Holdings are distributed in USD.

All fundamentals about Upstart Holdings

Our stock analysis for Upstart Holdings Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Upstart Holdings Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.