StocksFundsScreenerSectorsWatchlists
UPST

UPST - Upstart Holdings, Inc. Stock Price, Fair Value and News

27.61USD-0.56 (-1.99%)Delayed as of 28 Mar 2024, 11:06 am ET

Market Summary

UPST
USD27.61-0.56
Delayedas of 28 Mar 2024, 11:06 am
-1.99%

UPST Alerts

  • 4 major insider sales recently.
  • Losses in recent quarter

UPST Stock Price

View Fullscreen

UPST RSI Chart

UPST Valuation

Market Cap

2.4B

Price/Earnings (Trailing)

-10.14

Price/Sales (Trailing)

4.34

Price/Free Cashflow

-15.03

UPST Price/Sales (Trailing)

UPST Profitability

Return on Equity

-37.8%

Return on Assets

-11.9%

Free Cashflow Yield

-6.65%

UPST Fundamentals

UPST Revenue

Revenue (TTM)

560.4M

Rev. Growth (Yr)

-1.77%

Rev. Growth (Qtr)

4.15%

UPST Earnings

Earnings (TTM)

-240.1M

Earnings Growth (Yr)

23.28%

Earnings Growth (Qtr)

-5.17%

Breaking Down UPST Revenue

52 Week Range

11.9372.58
(Low)(High)

Last 7 days

10.0%

Last 30 days

-0.7%

Last 90 days

-41.1%

Trailing 12 Months

70.7%

How does UPST drawdown profile look like?

UPST Financial Health

UPST Investor Care

Shares Dilution (1Y)

6.20%

Diluted EPS (TTM)

-2.88

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs
Net sales
YearQ1Q2Q3Q4
2023710.4M595.8M563.2M560.4M
2022999.1M1.1B1.0B907.3M
2021280.8M450.7M595.8M801.3M
2020180.3M196.4M212.5M228.6M
2019000164.2M

Tracking the Latest Insider Buys and Sells of Upstart Holdings, Inc.

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
Mar 11, 2024
datta sanjay
sold
-27,500
27.5
-1,000
chief financial officer
Mar 04, 2024
datta sanjay
sold
-26,210
26.21
-1,000
chief financial officer
Mar 01, 2024
mirgorodskaya natalia
acquired
1,075
0.43
2,500
corporate controller
Mar 01, 2024
gu paul
sold
-769,773
25.6591
-30,000
chief technology offier
Mar 01, 2024
mirgorodskaya natalia
sold
-63,689
25.4758
-2,500
corporate controller
Mar 01, 2024
gu paul
acquired
18,000
0.6
30,000
chief technology offier
Feb 29, 2024
gu paul
acquired
-
-
61,201
chief technology offier
Feb 29, 2024
darling scott
acquired
-
-
30,601
chief legal officer
Feb 29, 2024
mirgorodskaya natalia
acquired
-
-
919
corporate controller
Feb 29, 2024
datta sanjay
acquired
-
-
61,201
chief financial officer

1–10 of 50

Which funds bought or sold UPST recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
Mar 22, 2024
PNC FINANCIAL SERVICES GROUP, INC.
reduced
-13.5
14,258
74,079
-%
Mar 11, 2024
VANGUARD GROUP INC
added
2.3
90,912,800
286,589,000
0.01%
Mar 08, 2024
ICA Group Wealth Management, LLC
new
-
60,718
60,718
0.01%
Mar 04, 2024
VIMA LLC
new
-
5,271
5,271
0.01%
Mar 01, 2024
GOLDMAN SACHS GROUP INC
added
69.15
57,994,000
98,784,500
0.01%
Feb 28, 2024
AMERICAN INTERNATIONAL GROUP, INC.
added
1.16
460,451
1,487,550
0.01%
Feb 26, 2024
Virtu Financial LLC
sold off
-100
-470,000
-
-%
Feb 23, 2024
Gordian Capital Singapore Pte Ltd
unchanged
-
999
3,310
-%
Feb 22, 2024
SIERRA SUMMIT ADVISORS LLC
new
-
272,292
272,292
0.08%
Feb 16, 2024
GSA CAPITAL PARTNERS LLP
reduced
-17.81
74,000
493,000
0.04%

1–10 of 33

Are Funds Buying or Selling UPST?

Are funds buying UPST calls or puts?
Calls
Puts
No. of funds holding Calls - Puts
Net Call Options
No. of funds that own UPST
No. of Funds

Unveiling Upstart Holdings, Inc.'s Major ShareHolders

Date FiledName of FilerPercent of ClassNo. of SharesForm Type
Feb 13, 2024
vanguard group inc
8.25%
7,013,850
SC 13G/A
Feb 09, 2024
upstart holdings, inc.
14.7%
12,835,880
SC 13G/A
Jan 29, 2024
blackrock inc.
6.5%
5,548,508
SC 13G
Feb 14, 2023
vulcan value partners, llc
0.00%
0
SC 13G/A
Feb 13, 2023
girouard dave
15.0%
12,515,422
SC 13G/A
Feb 09, 2023
vanguard group inc
7.81%
6,396,482
SC 13G/A
Feb 14, 2022
vulcan value partners, llc
5.91%
4,845,315
SC 13G
Feb 14, 2022
vk services, llc
0%
0
SC 13G/A
Feb 14, 2022
third point llc
0.0%
0
SC 13G/A
Feb 04, 2022
girouard dave
15.3%
12,746,959
SC 13G/A

Recent SEC filings of Upstart Holdings, Inc.

View All Filings
Date Filed Form Type Document
Mar 13, 2024
4
Insider Trading
Mar 11, 2024
144
Notice of Insider Sale Intent
Mar 06, 2024
4
Insider Trading
Mar 04, 2024
144
Notice of Insider Sale Intent
Mar 04, 2024
4
Insider Trading
Mar 04, 2024
4
Insider Trading
Mar 04, 2024
4
Insider Trading
Mar 04, 2024
4
Insider Trading
Mar 04, 2024
4
Insider Trading
Mar 01, 2024
144
Notice of Insider Sale Intent

Peers (Alternatives to Upstart Holdings, Inc.)

NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
451.4B
25.1B
2.89% 37.08%
40.32
17.99
12.87% 12.74%
164.9B
60.5B
6.30% 31.84%
19.69
2.72
14.48% 11.45%
71.3B
29.8B
9.52% -14.41%
16.8
2.4
8.19% 75.53%
55.0B
41.9B
2.86% 38.05%
11.14
1.31
34.26% 32.87%
32.1B
17.8B
13.82% 36.34%
10.85
1.8
38.72% -32.51%
12.1B
14.0B
9.20% 45.70%
11.86
0.87
31.42% -40.49%
MID-CAP
6.8B
1.9B
-1.25% 31.81%
23.72
3.57
3.79% -46.60%
5.7B
3.2B
2.64% 34.54%
25.96
1.81
15.50% -13.49%
4.7B
4.4B
7.27% 21.33%
7.49
1.08
-2.65% -31.25%
3.5B
1.1B
1.31% -2.80%
38.15
3.15
8.54% -77.53%
SMALL-CAP
1.8B
2.1B
2.52% 30.26%
10.01
0.83
21.98% -15.57%
445.7M
1.2B
-9.96% 11.93%
4.33
0.39
10.41% -24.15%
166.7M
352.0M
-17.39% -14.24%
3.68
0.47
6.77% -47.27%
8.3M
7.3M
26.58% 16.11%
-2.16
1.14
-51.06% -195.09%
3.7M
853.2M
-60.87% -93.88%
-0.01
0
-15.13% -1364.54%

Upstart Holdings, Inc. News

Latest updates
InvestorsObserver • 27 hours ago
MarketBeat • 42 hours ago
InvestorsObserver • 26 Mar 2024 • 01:00 pm
Seeking Alpha • 24 Mar 2024 • 02:02 am
Yahoo Finance • 21 Mar 2024 • 01:00 pm

Upstart Holdings, Inc. Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)
(In Thousands)
Income Statement (Quarterly)
(In Thousands)
(*) denotes actual numbers (not divided by Thousands)
Description(%) Q/Q2023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q4
Revenue4.2%152,846146,755143,689117,141155,597179,348258,345313,982287,387210,421187,297116,17081,89465,35917,35363,994-
Operating Expenses5.3%187,813178,402169,110234,762205,411215,324260,269275,303244,434199,851157,652105,77176,31753,15228,74163,441-
  S&GA Expenses17.3%38,77233,04223,89131,43850,75356,362105,212133,449114,81593,34675,91649,37634,54623,7255,43635,952-
  R&D Expenses4.0%57,15254,94157,974110,07164,02966,18257,04549,99146,49537,08531,43118,98814,1519,9667,6677,018-
Interest Expenses-819.1%-67,6979,4144,2827,132-71,1503,0502,31395944,5182691,4971,0301,0721,4382,2603,256-
Income Taxes530.0%63.0010.0018.0016.00-46412.0024.0019.00323-1,268-988221371----
Net Income-5.2%-42,398-40,315-28,165-129,254-55,263-56,223-29,87132,69258,94429,11337,28410,1021,0279,669-6,1931,480-
Net Income Margin4.6%-0.43*-0.45*-0.45*-0.38*-0.12*0.01*0.08*0.16*0.17*0.13*0.13*0.05*-----
Free Cashflow-39.0%-143,954-103,568162,340-76,838-254,614-102,876-57,592-268,424-14,61540,64291,07442,825-----
Balance Sheet
(In Millions)
Balance Sheet
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q4
Assets0.8%2,0172,0021,7641,8221,9361,9151,9171,9881,8201,606905676477
    Cash Equivalents-23.9%4686155104525328309141,0131,1911,172618336311
  Net PPE-11.2%43.0048.0047.0047.0044.0041.0036.0030.0024.0019.0014.0010.0010.00
  Goodwill0%67.0067.0067.0067.0067.0067.0067.0067.0067.0067.0067.0067.00-
Liabilities1.5%1,3821,3611,1261,1951,2641,1971,1601,1111,013887188122177
Shareholder's Equity-0.9%635641638627672719757877807719716321300
  Retained Earnings-17.7%-282-240-199-171-42.4413.0069.0099.0066.007.00-21.84-59.12-69.22
  Additional Paid-In Capital4.2%918881838799715706688778741712738380369
Shares Outstanding1.5%86.0085.0084.0083.0081.0082.0084.0084.0078.0077.0075.0074.00-
Float---2,594---2,234---6,665--
Cashflow (Last 12 Months)
(In Millions)
Cashflow (Quarterly)
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q4
Cashflow From Operations-38.9%-143-103162-75.73-252-101-53.64-266-11.1444.0093.0043.0069.0018.0016.00-86.52-
  Share Based Compensation-7.9%33.0036.0033.0074.0034.0037.0030.0025.0023.0020.0021.009.004.003.003.002.00-
Cashflow From Investing-23.4%-29.89-24.22-38.49-25.85-85.11-24.25-9.945.00-19.78-84.40-40.601.009.004.0015.00109-
Cashflow From Financing-88.7%26.00233-65.8521.0041.0041.00-34.6983.0050.00595229-19.26123-6.92-7.29-30.11-
  Buy Backs-----28.0025.00125----------

UPST Income Statement

2023-12-31
Consolidated Statements of Operations and Comprehensive Income (Loss) - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2023
Dec. 31, 2022
Dec. 31, 2021
Revenue:   
Revenue from fees, net$ 560,431$ 907,272$ 801,275
Interest income, interest expense, and fair value adjustments, net:   
Interest income[1]168,996105,58020,634
Interest expense[1](34,894)(10,843)(3,274)
Fair value and other adjustments[1](180,971)(159,565)29,954
Total interest income, interest expense, and fair value adjustments, net(46,869)(64,828)47,314
Revenue from fees, net513,562842,444848,589
Operating expenses:   
Sales and marketing127,143345,776333,453
Customer operations150,418187,994117,579
Engineering and product development280,138237,247133,999
General, administrative, and other212,388185,290122,677
Total operating expenses770,087956,307707,708
Income (loss) from operations(256,525)(113,863)140,881
Other income (expense), net21,2069,473(5,174)
Expense on convertible notes(4,706)(4,684)(1,976)
Net income (loss) before income taxes(240,025)(109,074)133,731
(Benefit) provision for income taxes107(409)(1,712)
Net income (loss)$ (240,132)$ (108,665)$ 135,443
Net income (loss) per share, basic (in dollars per share)$ (2.87)$ (1.31)$ 1.73
Net income (loss) per share, diluted (in dollars per share)$ (2.87)$ (1.31)$ 1.43
Weighted-average number of shares outstanding used in computing net income (loss) per share, basic (in shares)83,765,89682,771,26878,106,359
Weighted-average number of shares outstanding used in computing net income (loss) per share, diluted (in shares)83,765,89682,771,26894,772,641
[1]Balances for year ended December 31, 2023 include amounts related to the consolidated securitization. Refer to “Note 2. Revenue” for details.

UPST Balance Sheet

2023-12-31
Consolidated Balance Sheets - USD ($)
Dec. 31, 2023
Dec. 31, 2022
Assets  
Cash$ 368,405,000$ 422,411,000
Restricted cash99,382,000110,056,000
Loans (at fair value)[1]1,156,413,0001,010,421,000
Property, equipment, and software, net42,655,00044,168,000
Operating lease right of use assets54,694,00086,335,000
Beneficial interest assets (at fair value)41,012,0000
Non-marketable equity securities41,250,00041,250,000
Goodwill67,062,00067,062,000
Other assets (includes $42,648 and $48,897 at fair value as of December 31, 2022 and December 31, 2023, respectively)146,227,000154,351,000
Total assets[2]2,017,100,0001,936,054,000
Liabilities:  
Accounts payable12,613,00018,715,000
Payable to investors53,580,00090,777,000
Borrowings1,040,424,000986,394,000
Payable to securitization note holders (at fair value)141,416,0000
Accrued expenses and other liabilities (includes $8,820 and $10,510 at fair value as of December 31, 2022 and December 31, 2023, respectively)71,438,00066,946,000
Operating lease liabilities62,324,000100,787,000
Total liabilities[2]1,381,795,0001,263,619,000
Stockholders’ equity:  
Common stock, $0.0001 par value; 700,000,000 shares authorized; 81,259,676 and 86,330,303 shares issued and outstanding as of December 31, 2022 and December 31, 2023, respectively9,0008,000
Additional paid-in capital917,872,000714,871,000
Accumulated deficit(282,576,000)(42,444,000)
Total stockholders’ equity635,305,000672,435,000
Total liabilities and stockholders’ equity$ 2,017,100,000$ 1,936,054,000
[1]As of December 31, 2023, includes $179.1 million of loans, at fair value, contributed as collateral for the consolidated securitization. No such loans were held as of December 31, 2022. Refer to “Note 6. Fair Value Measurement” for details.
[2]The following table presents information on assets and liabilities related to variable interest entities (“VIEs”) that are consolidated by Upstart Holdings, Inc. at December 31, 2022 and December 31, 2023. The assets in the table below may only be used to settle obligations of consolidated VIEs and are in excess of those obligations. The liabilities in the table below include liabilities for which creditors do not have recourse to the general credit of Upstart Holdings, Inc. The assets and liabilities in the table below include third-party assets and liabilities of consolidated VIEs and exclude intercompany balances that eliminate in consolidation.
December 31,December 31,
20222023
Assets
Cash$838 $1,603 
Restricted cash13,147 23,450 
Loans (at fair value)958,822 1,147,423 
Other assets (includes $2,244 and $5,958 at fair value as of December 31, 2022 and December 31, 2023, respectively)
11,674 22,917 
Total assets$984,481 $1,195,393 
Liabilities
Payable to investors$— $121 
Borrowings336,452 387,440 
Payable to securitization note holders (at fair value)— 141,416 
Accrued expenses and other liabilities1,378 1,975 
Total liabilities337,830 530,952 
Total net assets$646,651 $664,441 
UPST
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform aggregates consumer demand for loans and connects it to its network of the company's AI-enabled bank and credit union partners. The company was founded in 2012 and is headquartered in San Mateo, California.
 CEO
 WEBSITEwww.upstart.com
 EMPLOYEES1875

Upstart Holdings, Inc. Frequently Asked Questions


What is the ticker symbol for Upstart Holdings, Inc.? What does UPST stand for in stocks?

UPST is the stock ticker symbol of Upstart Holdings, Inc.. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Upstart Holdings, Inc. (UPST)?

As of Wed Mar 27 2024, market cap of Upstart Holdings, Inc. is 2.43 Billion. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of UPST stock?

You can check UPST's fair value in chart for subscribers.

What is the fair value of UPST stock?

You can check UPST's fair value in chart for subscribers. The fair value of Upstart Holdings, Inc. is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Upstart Holdings, Inc. is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for UPST so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Upstart Holdings, Inc. a good stock to buy?

The fair value guage provides a quick view whether UPST is over valued or under valued. Whether Upstart Holdings, Inc. is cheap or expensive depends on the assumptions which impact Upstart Holdings, Inc.'s fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for UPST.

What is Upstart Holdings, Inc.'s Price to Earnings (PE) and Price to sales (PS) ratio?

As of Wed Mar 27 2024, UPST's PE ratio (Price to Earnings) is -10.14 and Price to Sales (PS) ratio is 4.34. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. UPST PE ratio will change depending on the future growth rate expectations of investors.