Upstart Holdings Inc
NASDAQ:UPST
Intrinsic Value
Upstart Holdings, Inc. engages in the provision of a cloud-based artificial intelligence lending platform. [ Read More ]
The intrinsic value of one UPST stock under the Base Case scenario is 27.85 USD. Compared to the current market price of 22.08 USD, Upstart Holdings Inc is Undervalued by 21%.
Valuation Backtest
Upstart Holdings Inc
Run backtest to discover the historical profit from buying and selling UPST stocks based on their intrinsic value.
Analyze the historical link between intrinsic value and market price to make more informed investment decisions.
Fundamental Analysis
Balance Sheet Decomposition
Upstart Holdings Inc
Current Assets | 408.9m |
Cash & Short-Term Investments | 368.4m |
Receivables | 40.5m |
Non-Current Assets | 1.6B |
Long-Term Investments | 41.3m |
PP&E | 97.3m |
Intangibles | 78.4m |
Other Non-Current Assets | 1.4B |
Current Liabilities | 328.2m |
Accounts Payable | 66.2m |
Accrued Liabilities | 120.6m |
Other Current Liabilities | 141.4m |
Non-Current Liabilities | 1.1B |
Long-Term Debt | 1B |
Other Non-Current Liabilities | 13.2m |
Earnings Waterfall
Upstart Holdings Inc
Revenue
|
513.6m
USD
|
Cost of Revenue
|
-150.4m
USD
|
Gross Profit
|
363.1m
USD
|
Operating Expenses
|
-619.7m
USD
|
Operating Income
|
-256.5m
USD
|
Other Expenses
|
16.4m
USD
|
Net Income
|
-240.1m
USD
|
Free Cash Flow Analysis
Upstart Holdings Inc
What is Free Cash Flow?
UPST Profitability Score
Profitability Due Diligence
Upstart Holdings Inc's profitability score is 31/100. The higher the profitability score, the more profitable the company is.
Score
Upstart Holdings Inc's profitability score is 31/100. The higher the profitability score, the more profitable the company is.
UPST Solvency Score
Solvency Due Diligence
Upstart Holdings Inc's solvency score is 31/100. The higher the solvency score, the more solvent the company is.
Score
Upstart Holdings Inc's solvency score is 31/100. The higher the solvency score, the more solvent the company is.
Wall St
Price Targets
UPST Price Targets Summary
Upstart Holdings Inc
According to Wall Street analysts, the average 1-year price target for UPST is 20.21 USD with a low forecast of 8.08 USD and a high forecast of 31.5 USD.
Ownership
UPST Insider Trading
Buy and sell transactions by insiders
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Shareholder Return
UPST Price
Upstart Holdings Inc
Average Annual Return | 85.9% |
Standard Deviation of Annual Returns | 162.66% |
Max Drawdown | -97% |
Market Capitalization | 1.9B USD |
Shares Outstanding | 87 805 400 |
Percentage of Shares Shorted | 35.89% |
UPST News
Last Important Events
Upstart Holdings Inc
Significant happenings or occurrences that are of interest to investors. These could be company-specific developments or market-wide shifts.
Sentiment Analysis
Upstart Holdings Inc
Company Profile
Country
Industry
Market Cap
Dividend Yield
Description
Upstart Holdings, Inc. engages in the provision of a cloud-based artificial intelligence lending platform. The company is headquartered in San Mateo, California and currently employs 1,497 full-time employees. The company went IPO on 2020-12-16. The Company’s platform aggregates consumer demand for loans and connects it to its network of Upstart AI-enabled bank partners. Its AI models are provided to bank partners within a consumer-facing cloud application that streamlines the end-to-end process of originating and servicing a loan. The company has built a configurable, multi-tenant cloud application designed to integrate seamlessly into a bank’s existing technology systems. Its configurable platform allows each bank to define its own credit policy and determine the significant parameters of its lending program. The AI models use and analyze data from all of its bank partners. Its Consumers can discover Upstart-powered loans in one of two ways: either through Upstart.com or through a bank-branded product on its bank partners’ own websites. The company has also made significant investments in Upstart Auto Retail, a front-end software-as-a-service application.
Contact
IPO
Employees
Officers
The intrinsic value of one UPST stock under the Base Case scenario is 27.85 USD.
Compared to the current market price of 22.08 USD, Upstart Holdings Inc is Undervalued by 21%.