USD 66.42
↓ -0.965 (-1.43%)
| ticker | 1 day return % | 1 week return % | 1 month return % | 3 months return % | 6 months return % | 1 year return % | 3 years return % | 5 years return % | 10 years return % | maximum return % |
|---|---|---|---|---|---|---|---|---|---|---|
| UPST | -1.5 | 1.7 | 25.5 | 81.4 | 136.1 | 155.3 | -71.6 | 125.2 | 125.2 | 125.2 |
| S&P 500 | -1.0 | -1.5 | 1.2 | 6.2 | 10.9 | 30.7 | 25.7 | 88.7 | 188.4 | 33236.6 |
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| Attribute | Value |
|---|---|
| symbol | UPST |
| name | Upstart Holdings, Inc. |
| price | 66.42 |
| changes percentage | -1.43 |
| change | -0.96 |
| day low | 64.60 |
| day high | 67.70 |
| year high | 86.07 |
| year low | 20.60 |
| market cap | 5945493312 |
| price avg 50 | 47.17 |
| price avg 200 | 32.31 |
| exchange | NASDAQ |
| volume | 1336804 |
| avg volume | 7970343 |
| open | 67.68 |
| previous close | 67.39 |
| eps | -1.91 |
| pe | -34.77 |
| earnings announcement | 2025-02-11T05:00:00.000+0000 |
| shares outstanding | 89513600 |
| timestamp | 2024-11-15 15:17:54 |
We derive the score of a company's financial statements by evaluating the weighted average sentiment across key within the statements. The cumulative score, normalized to a sum of 1, serves as a metric for assessing the company's performance during the specified period. A higher score indicates stronger performance. However, it's crucial to note that while this score provides valuable insights, it is just one of many factors to consider when making informed investment decisions. A holistic evaluation, considering various aspects of the company's financial health and market conditions, is essential for a well-rounded investment strategy.
| 2023 | 2022 | Y/Y change % | |
|---|---|---|---|
| 0001647639 | |||
| revenue | 513562000 | 853287000 | -39.81 |
| gross profit | 363144000 | 665293000 | -45.42 |
| gross profit ratio | 0.71 | 0.78 | -9.31 |
| research and development expenses | 280138000 | 237247000 | 18.08 |
| operating expenses | 745184000 | 772997000 | -3.60 |
| interest income | 168996000 | 105580000 | 60.06 |
| interest expense | 34894000 | 10843000 | 221.81 |
| ebitda | -215121999 | -89507000 | -140.34 |
| ebitdaratio | -0.42 | -0.1 | -299.33 |
| operating income | -256525000 | -103020000 | -149.01 |
| operating income ratio | -0.5 | -0.12 | -313.72 |
| net income | -240132000 | -108665000 | -120.98 |
| net income ratio | -0.47 | -0.13 | -267.17 |
| eps | -2.87 | -1.31 | -119.08 |
Revenue Growth: revenue decreased to 514 million in 2023 from 853 million in 2022 representing a change of -39.81%. This indicates a sales shrinking, which is a negative sign for the company.
Gross Profit: Gross Profit decreased to 363 million in 2023 from 665 million in 2022 representing a change of -45.42%. This indicates a sales profitability decline, which is a negative sign for the company.
EBITDA: EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) decreased to -215 million in 2023 from -90 million in 2022 representing a change of -140.34%. The decrease in EBITDA indicates declined operational efficiency and profitability.
Earnings per Share (EPS): EPS increased to -2.87 in 2023 from -2.87 in 2022 representing a change of -119.08%. This indicates that the company's earnings are decreasing and it is becoming less profitable on a per-share basis.
Research and Development (R&D) Expenses: R&D Expenses increased to 280 million in 2023 from 237 million in 2022 representing a change of 18.08%. This shows that the company continues to invest in innovation and product development, which is crucial for long-term growth.
Operating Expenses: Operating Expenses decreased to 745 million in 2023 from 773 million in 2022 representing a change of -3.6%. The decrease in operating expenses can be attributed to various factors such as improved profitability, cost optimization and financial stability, lower operating expenses can be positive indicators.
Operating Income: Operating income increased to -257 million in 2023 from -103 million in 2022 representing a change of -149.01%. The increase in operating income indicates better operational performance and increased profitability.
Net Income: Net income increased to -240 million in 2023 from -109 million in 2022 representing a change of -120.98%. The increase in net income shows improved profitability and indicates that the company is generating more profit for each dollar of revenue.
| 2024Q3 | 2024Q2 | Q/Q change % | |
|---|---|---|---|
| 0001647639 | |||
| revenue | 162140000 | 127630000 | 27.04 |
| gross profit | -5450000 | 122802000 | -104.44 |
| gross profit ratio | -0.03 | 0.96 | -103.49 |
| research and development expenses | 0 | 58453000 | -100.00 |
| operating expenses | 207292000 | 178288000 | 16.27 |
| interest income | 40845000 | 52883000 | -22.76 |
| interest expense | 10818000 | 11470000 | -5.68 |
| ebitda | -12141000 | -49627000 | 75.54 |
| ebitdaratio | -0.07 | -0.4 | 81.13 |
| operating income | -45152000 | -55486000 | 18.62 |
| operating income ratio | -0.28 | -0.43 | 35.94 |
| net income | -6758000 | -54470000 | 87.59 |
| net income ratio | -0.04 | -0.43 | 90.23 |
| eps | -0.07 | -0.62 | 87.90 |
Revenue Growth: revenue increased to 162 million in 2024Q3 from 128 million in 2024Q2 representing a change of 27.04%. This indicates a sales growth, which is a positive sign for the company.
Net Income: Net income increased to -7 million in 2024Q3 from -54 million in 2024Q2 representing a change of 87.59%. The increase in net income shows improved profitability and indicates that the company is generating more profit for each dollar of revenue.
Earnings per Share (EPS): EPS increased to -0.07 in 2024Q3 from -0.07 in 2024Q2 representing a change of 87.9%. This indicates that the company's earnings are increasing and it is becoming more profitable on a per-share basis.
Gross Profit: Gross Profit decreased to -5 million in 2024Q3 from 123 million in 2024Q2 representing a change of -104.44%. This indicates a sales profitability decline, which is a negative sign for the company.
Research and Development (R&D) Expenses: R&D Expenses decreased to 0 million in 2024Q3 from 58 million in 2024Q2 representing a change of -100.0%. This shows that the company decreased investment in innovation and product development, which is not a good sign for long-term growth.
Operating Expenses: Operating Expenses increased to 207 million in 2024Q3 from 178 million in 2024Q2 representing a change of 16.27%. The increase in operating expenses can be attributed to various factors such as marketing, administrative costs, and investments in infrastructure. It's important to monitor if these expenses are growing at a sustainable rate compared to revenue.
EBITDA: EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) decreased to -12 million in 2024Q3 from -50 million in 2024Q2 representing a change of 75.54%. The decrease in EBITDA indicates declined operational efficiency and profitability.
Operating Income: Operating income decreased to -45 million in 2024Q3 from -55 million in 2024Q2 representing a change of 18.62%. The decrease in operating income indicates worse operational performance and decreased profitability.
| 2023 | 2022 | Y/Y change % | |
|---|---|---|---|
| 0001647639 | |||
| total assets | 2017100000 | 1936054000 | 4.19 |
| total liabilities | 1381795000 | 1263619000 | 9.35 |
| total equity | 635305000 | 672435000 | -5.52 |
| cash and cash equivalents | 368405000 | 422411000 | -12.79 |
| short term investments | 41250000 | 0 | NaN |
| long term investments | 5958000 | 41250000 | -85.56 |
| total current assets | 1639047000 | 1549069000 | 5.81 |
| total non current assets | 378053000 | 386985000 | -2.31 |
| total current liabilities | 12613000 | 72866000 | -82.69 |
| total non current liabilities | 1289667000 | 1190753000 | 8.31 |
| common stock | 9000 | 8000 | 12.50 |
| retained earnings | -282576000 | -42444000 | -565.76 |
| total debt | 1229197999 | 1087181000 | 13.06 |
Total Assets: Total Assets increased to 2,017 million in 2023 from 1,936 million in 2022 representing a change of 4.19%. Suggesting a growth in asset holdings.
Short Term Investments: Short Term Investments increased to 41 million in 2023 from 0 million in 2022 representing a change of nan%. This indicates an increase in short-term investment holdings.
Total Current Assets: Total Current Assets increased to 1,639 million in 2023 from 1,549 million in 2022 representing a change of 5.81%. This indicates a better liquidity position.
Total Current Liabilities: Total Current Liabilities decreased to 13 million in 2023 from 73 million in 2022 representing a change of -82.69%. This indicates a lower short-term debt burden.
Common Stock: Common Stock increased to 0 in 2023 from 0 in 2022 representing a change of 12.5%. This indicates an increase in ownership interest.
Total Liabilities: Total Liabilities increased to 1,382 million in 2023 from 1,264 million in 2022 representing a change of 9.35%. This indicates an increase in overall liabilities.
Total Equity: Total Equity decreased to 635 million in 2023 from 672 million in 2022 representing a change of -5.52%. This indicates a decrease in shareholders' equity.
Cash And Cash Equivalents: Cash And Cash Equivalents decreased to 368 million in 2023 from 422 million in 2022 representing a change of -12.79%. This indicates a decrease in available liquid assets.
Retained Earnings: Retained Earnings decreased to -283 million in 2023 from -42 million in 2022 representing a change of -565.76%. This indicates an accumulated losses.
Total Debt: Total Debt increased to 1,229 million in 2023 from 1,087 million in 2022 representing a change of 13.06%. This indicates an increase in overall debt burden.
| 2024Q3 | 2024Q2 | Q/Q change % | |
|---|---|---|---|
| 0001647639 | |||
| total assets | 1808980000 | 1820224000 | -0.62 |
| total liabilities | 1213444000 | 1225514000 | -0.98 |
| total equity | 595536000 | 594710000 | 0.14 |
| cash and cash equivalents | 445274000 | 374791000 | 18.81 |
| short term investments | 0 | 41250000 | -100.00 |
| long term investments | 43389000 | 46373000 | -6.43 |
| total current assets | 1322205000 | 1392888000 | -5.07 |
| total non current assets | 486775000 | 427336000 | 13.91 |
| total current liabilities | 98576000 | 70500000 | 39.82 |
| total non current liabilities | 1114868000 | 1155014000 | -3.48 |
| common stock | 9000 | 9000 | 0.00 |
| retained earnings | -408402000 | -401644000 | -1.68 |
| total debt | 1041050000 | 1075261000 | -3.18 |
Total Assets: Total Assets decreased to 1,809 million in 2024Q3 from 1,820 million in 2024Q2 representing a change of -0.62%. Suggesting a decrease in asset holdings.
Short Term Investments: Short Term Investments decreased to 0 million in 2024Q3 from 41 million in 2024Q2 representing a change of -100.0%. This indicates a decrease in short-term investment holdings.
Total Current Assets: Total Current Assets decreased to 1,322 million in 2024Q3 from 1,393 million in 2024Q2 representing a change of -5.07%. This indicates a worsen liquidity position.
Total Current Liabilities: Total Current Liabilities increased to 99 million in 2024Q3 from 70 million in 2024Q2 representing a change of 39.82%. This indicates a higher short-term debt burden.
Retained Earnings: Retained Earnings decreased to -408 million in 2024Q3 from -402 million in 2024Q2 representing a change of -1.68%. This indicates an accumulated losses.
Total Liabilities: Total Liabilities decreased to 1,213 million in 2024Q3 from 1,226 million in 2024Q2 representing a change of -0.98%. This indicates a decrease in overall liabilities.
Total Equity: Total Equity increased to 596 million in 2024Q3 from 595 million in 2024Q2 representing a change of 0.14%. This indicates an increase in shareholders' equity.
Cash And Cash Equivalents: Cash And Cash Equivalents increased to 445 million in 2024Q3 from 375 million in 2024Q2 representing a change of 18.81%. This indicates an increase in available liquid assets.
Total Debt: Total Debt decreased to 1,041 million in 2024Q3 from 1,075 million in 2024Q2 representing a change of -3.18%. This indicates a reduction in overall debt burden.
| 2023 | 2022 | Y/Y change % | |
|---|---|---|---|
| 0001647639 | |||
| net change in cash | -64680000 | -658774000 | 90.18 |
| operating cash flow | -160493000 | -674681000 | 76.21 |
| free cash flow | -172579000 | -697594000 | 75.26 |
| capital expenditure | -1527000 | -22913000 | 93.34 |
| depreciation and amortization | 24903000 | 13513000 | 84.29 |
| deferred income tax | 0 | 0 | NaN |
| stock based compensation | 175039000 | 125945000 | 38.98 |
| accounts payables | -6127000 | 11878000 | -151.58 |
| inventory | 0 | 0 | NaN |
| acquisitions net | 0 | -16757000 | 100.00 |
| investments in property plant and equipment | -1527000 | -22913000 | 93.34 |
| net cash used for investing activites | -118455000 | -114125000 | -3.79 |
| debt repayment | 192971000 | 287915000 | -32.98 |
| common stock issued | 178199000 | 0 | NaN |
| common stock repurchased | -15000 | -177883000 | 99.99 |
| dividends paid | 0 | 0 | NaN |
| net cash used provided by financing activities | 214268000 | 130032000 | 64.78 |
| cash at end of period | 467787000 | 532467000 | -12.15 |
| accounts receivables | 0 | 0 | NaN |
| cash at beginning of period | 532467000 | 1191241000 | -55.30 |
Net Change in Cash: Net Change in Cash increased to -65 million in 2023 from -659 million in 2022 representing a change of 90.18%. Indicating an increased ability to generate cash from the company's operations or its cash flow position.
Operating Cash Flow: Operating Cash Flow increased to -160 million in 2023 from -675 million in 2022 representing a change of 76.21%. This indicates that the company generated more cash from its core business operations.
Free Cash Flow: Free Cash Flow increased to -173 million in 2023 from -698 million in 2022 representing a change of 75.26%. This indicates an increase in cash generated after accounting for capital expenditures.
Accounts Payables: The absolute value of Accounts Payables decreased to 6 million in 2023 from 12 million in 2022 representing a change of -151.58%. This indicates that the company has reduced its outstanding obligations to its suppliers.
Capital Expenditure: Capital Expenditure increased to -2 million in 2023 from -23 million in 2022 representing a change of 93.34%. This indicates an increase in the cash outflow required for acquiring or improving long-term assets.
Stock-Based Compensation: Stock-Based Compensation increased to 175 million in 2023 from 126 million in 2022 representing a change of 38.98%. This indicates increased expenses, which is generally considered a negative sign from a financial perspective.
| 2024Q3 | 2024Q2 | Q/Q change % | |
|---|---|---|---|
| 0001647639 | |||
| operating cash flow | 179340000 | 65295000 | 174.66 |
| free cash flow | 182580000 | 62967000 | 189.96 |
| capital expenditure | 3240000 | -2328000 | 239.18 |
| depreciation and amortization | 5390000 | 4828000 | 11.64 |
| deferred income tax | 0 | 0 | NaN |
| stock based compensation | 33618000 | 34209000 | -1.73 |
| accounts receivables | 0 | 0 | NaN |
| accounts payables | 0 | 0 | NaN |
| inventory | 0 | 0 | NaN |
| acquisitions net | 61517000 | -43404000 | 241.73 |
| investments in property plant and equipment | 3240000 | -2328000 | 239.18 |
| net cash used for investing activites | -46170000 | -76100000 | 39.33 |
| debt repayment | -4704000 | 113544000 | -104.14 |
| common stock issued | -6783999 | 0 | NaN |
| common stock repurchased | 2000 | 0 | NaN |
| dividends paid | 0 | 0 | NaN |
| net cash used provided by financing activities | -38021000 | 132271999 | -128.74 |
| net change in cash | 44609001 | 121467000 | -63.27 |
| cash at end of period | 605227001 | 560618000 | 7.96 |
| cash at beginning of period | 560618000 | 439151000 | 27.66 |
Net Change in Cash: Net Change in Cash decreased to 45 million in 2024Q3 from 121 million in 2024Q2 representing a change of -63.27%. Indicating a declined ability to generate cash from the company's operations or its cash flow position.
Capital Expenditure: Capital Expenditure increased to 3 million in 2024Q3 from -2 million in 2024Q2 representing a change of 239.18%. This indicates an increase in the cash outflow required for acquiring or improving long-term assets.
Operating Cash Flow: Operating Cash Flow increased to 179 million in 2024Q3 from 65 million in 2024Q2 representing a change of 174.66%. This indicates that the company generated more cash from its core business operations.
Free Cash Flow: Free Cash Flow increased to 183 million in 2024Q3 from 63 million in 2024Q2 representing a change of 189.96%. This indicates an increase in cash generated after accounting for capital expenditures.
Stock-Based Compensation: Stock-Based Compensation decreased to 34 million in 2024Q3 from 34 million in 2024Q2 representing a change of -1.73%. This indicates decreased expenses, which is generally considered a positive sign from a financial perspective.
We save you time by utilizing Generative AI to summarize earnings transcripts. Our summaries provide a clear insight into the company's current performance, future outlook, and overall sentiment expressed during the call. Click on below links to explore more.
Note: The years mentioned below are fiscal years in accounting.
Q3 2024 Earnings call transcript
EPS represents the portion of a company's profit allocated to each outstanding share of common stock. A higher EPS is generally favorable, indicating stronger profitability on a per-share basis.
Positive EPS: A positive EPS signifies that a company is profitable, it is generally viewed positively, supporting stock value and investor confidence.
Negative EPS: Indicates that a company is operating at a loss, which could lead to negative sentiment, potential stock depreciation, and concerns about the company's financial health.
The Next Earning Date represents when the company plans to release its next set of financial results.
An upward trend in EPS suggests consistent growth in earnings, often leading to increased investor confidence. A downward trend may indicate a decline in earnings, potentially decreasing investor confidence and stock value. Fluctuating EPS suggests unpredictable financial performance, warranting cautious investor analysis.
Earnings surprise occurs when a company's actual earnings differ from analysts' expectations. A positive earnings surprise typically reflects better-than-expected performance, potentially leading to stock appreciation. Conversely, a negative earnings surprise can result in stock depreciation. An earnings surprise of zero means the earnings met expectations, which typically has a neutral impact on stock price.
Discover detailed analyst recommendations for stocks, including categories such as Buy, Hold, Sell, Strong Buy, and Strong Sell. These insights are based on thorough analysis of financial and market factors. The consensus is calculated by assigning a numerical score to each recommendation. These scores are then weighted and averaged over a specified period to provide a comprehensive view of the stock's outlook, with the final score determining the overall consensus.
| 2023-12-31 | 2022-12-31 | Y/Y change % | |
|---|---|---|---|
| FY | |||
| calendar year | 2023 | 2022 | NaN |
| revenue per share | 6.13 | 10.31 | -40.53 |
| net income per share | -2.87 | -1.31 | -118.36 |
| operating cash flow per share | -1.92 | -8.15 | 76.49 |
| free cash flow per share | -2.06 | -8.43 | 75.55 |
| cash per share | 4.89 | 5.1 | -4.17 |
| book value per share | 7.58 | 8.12 | -6.64 |
| tangible book value per share | 6.27 | 6.79 | -7.65 |
| shareholders equity per share | 7.58 | 8.12 | -6.64 |
| interest debt per share | 14.53 | 12.05 | 20.56 |
| market cap | 3422674510.56 | 1094236162.96 | 212.79 |
| enterprise value | 4283467509.56 | 1759006162.96 | 143.52 |
| pe ratio | -14.25 | -10.07 | -41.54 |
| price to sales ratio | 6.66 | 1.28 | 419.70 |
| pocfratio | -21.33 | -1.62 | -1,214.91 |
| pfcf ratio | -19.83 | -1.57 | -1,164.36 |
| pb ratio | 5.39 | 1.63 | 231.07 |
| ptb ratio | 5.39 | 1.63 | 231.07 |
| ev to sales | 8.34 | 2.06 | 304.60 |
| enterprise value over ebitda | -19.91 | -19.65 | -1.32 |
| ev to operating cash flow | -26.69 | -2.61 | -923.69 |
| ev to free cash flow | -24.82 | -2.52 | -884.33 |
| earnings yield | -0.07 | -0.1 | 29.35 |
| free cash flow yield | -0.05 | -0.64 | 92.09 |
| debt to equity | 1.86 | 1.47 | 26.82 |
| debt to assets | 0.59 | 0.51 | 15.00 |
| net debt to ebitda | -4.0 | -7.43 | 46.12 |
| current ratio | 129.95 | 21.26 | 511.26 |
| interest coverage | -7.35 | -9.5 | 22.62 |
| income quality | 0.67 | 6.21 | -89.24 |
| dividend yield | 0 | 0 | NaN |
| payout ratio | 0 | 0 | NaN |
| sales general and administrative to revenue | 0.41 | 0.22 | 90.45 |
| research and ddevelopement to revenue | 0.55 | 0.28 | 96.19 |
| intangibles to total assets | 0.05 | 0.06 | -4.34 |
| capex to operating cash flow | -0.01 | -0.03 | 71.98 |
| capex to revenue | 0.0 | 0.03 | -88.93 |
| capex to depreciation | 0.06 | 1.7 | -96.38 |
| stock based compensation to revenue | 0.34 | 0.15 | 130.92 |
| graham number | 22.12 | 15.49 | 42.78 |
| roic | -0.14 | -0.06 | -126.56 |
| return on tangible assets | -0.13 | -0.06 | -111.55 |
| graham net net | -11.61 | -10.16 | -14.19 |
| working capital | 1626434000 | 1476203000 | 10.18 |
| tangible asset value | 525587000 | 562342000 | -6.54 |
| net current asset value | 257252000 | 285450000 | -9.88 |
| invested capital | 1802201000 | 1689399000 | 6.68 |
| average receivables | 0 | 0 | NaN |
| average payables | 15664000 | 12639000 | 23.93 |
| average inventory | 0 | 0 | NaN |
| days sales outstanding | 0 | 0 | NaN |
| days payables outstanding | 30.61 | 36.34 | -15.77 |
| days of inventory on hand | 0 | 0 | NaN |
| receivables turnover | 0 | 0 | NaN |
| payables turnover | 11.93 | 10.05 | 18.72 |
| inventory turnover | 0 | 0 | NaN |
| roe | -0.38 | -0.16 | -133.90 |
| capex per share | 0.02 | 0.28 | -93.41 |
ROE: Return on Equity (ROE) decreased to -0.38 on 2023-12-31 from -0.16 on 2022-12-31, representing a change of -133.90%. Suggesting that the company has not been generating high returns for its shareholders.
PE Ratio: Price-to-Earnings (P/E) Ratio decreased to -14.25 on 2023-12-31 from -10.07 on 2022-12-31, representing a change of -41.54%. Indicating a decrease in the relative valuation of the company's stock.
Current Ratio: Current Ratio increased to 129.95 on 2023-12-31 from 21.26 on 2022-12-31, representing a change of 511.26%. The current ratio has been increasing, suggesting an increase in the company's short-term liquidity. Since it's above 3, indicating poor management of working capital.
Debt-to-Equity Ratio:
| 2024-09-30 Q3 | 2024-06-30 Q2 | Q/Q change % | |
|---|---|---|---|
| UPST | |||
| calendar year | 2024 | 2024 | NaN |
| revenue per share | 1.8 | 1.44 | 24.67 |
| net income per share | -0.07 | -0.62 | 87.82 |
| operating cash flow per share | 1.99 | 0.74 | 169.53 |
| free cash flow per share | 2.03 | 0.71 | 184.54 |
| cash per share | 4.94 | 4.7 | 5.03 |
| book value per share | 6.61 | 6.72 | -1.73 |
| tangible book value per share | 5.43 | 5.52 | -1.56 |
| shareholders equity per share | 6.61 | 6.72 | -1.73 |
| interest debt per share | 11.08 | 11.74 | -5.59 |
| market cap | 3605680434.81 | 2025181949.7 | 78.04 |
| enterprise value | 4201456434.81 | 2725651949.7 | 54.15 |
| pe ratio | -133.39 | -9.29 | -1,335.03 |
| price to sales ratio | 22.24 | 15.87 | 40.15 |
| pocfratio | 20.11 | 31.02 | -35.18 |
| pfcf ratio | 19.75 | 32.16 | -38.60 |
| pb ratio | 6.05 | 3.41 | 77.80 |
| ptb ratio | 6.05 | 3.41 | 77.80 |
| ev to sales | 25.91 | 21.36 | 21.34 |
| enterprise value over ebitda | -346.06 | -54.92 | -530.08 |
| ev to operating cash flow | 23.43 | 41.74 | -43.88 |
| ev to free cash flow | 23.01 | 43.29 | -46.84 |
| earnings yield | -0.0 | -0.03 | 93.03 |
| free cash flow yield | 0.05 | 0.03 | 62.86 |
| debt to equity | 1.66 | 1.73 | -3.90 |
| debt to assets | 0.55 | 0.56 | -3.17 |
| net debt to ebitda | -49.07 | -14.11 | -247.66 |
| current ratio | 13.41 | 19.76 | -32.11 |
| interest coverage | -4.17 | -4.84 | 13.72 |
| income quality | -26.54 | -1.2 | -2,113.79 |
| dividend yield | 0 | 0 | NaN |
| payout ratio | 0 | 0 | NaN |
| sales general and administrative to revenue | 0.37 | 0.72 | -48.61 |
| research and ddevelopement to revenue | 0 | 0.46 | -100.00 |
| intangibles to total assets | 0.06 | 0.06 | -0.02 |
| capex to operating cash flow | 0.02 | 0.04 | -49.33 |
| capex to revenue | 0.02 | 0.02 | 9.55 |
| capex to depreciation | 0.6 | 0.48 | 24.66 |
| stock based compensation to revenue | 0.21 | 0.27 | -22.64 |
| graham number | 3.34 | 9.65 | -65.41 |
| roic | -0.03 | -0.03 | 16.14 |
| return on tangible assets | -0.0 | -0.03 | 87.52 |
| graham net net | -8.52 | -9.49 | 10.20 |
| working capital | 1223629000 | 1322388000 | -7.47 |
| tangible asset value | 489358000 | 487846000 | 0.31 |
| net current asset value | 108761000 | 167374000 | -35.02 |
| invested capital | 1385053000 | 1488324000 | -6.94 |
| average receivables | 0 | 0 | NaN |
| average payables | 18248000 | 11948000 | 52.73 |
| average inventory | -29984000 | -29984000 | 0.00 |
| days sales outstanding | 0 | 0 | NaN |
| days payables outstanding | 12.15 | 258.72 | -95.31 |
| days of inventory on hand | 0 | -1117.88 | 100.00 |
| receivables turnover | 0 | 0 | NaN |
| payables turnover | 7.41 | 0.35 | 2,030.12 |
| inventory turnover | 0 | -0.08 | 100.00 |
| roe | -0.01 | -0.09 | 87.61 |
| capex per share | 0.04 | 0.03 | 36.58 |
ROE: Return on Equity (ROE) increased to -0.01 on 2024-09-30 Q3 from -0.09 on 2024-06-30 Q2, representing a change of 87.61%. However, ROE is <= 5%, suggesting that the company has not been generating high returns for its shareholders.
PE Ratio: Price-to-Earnings (P/E) Ratio decreased to -133.39 on 2024-09-30 Q3 from -9.29 on 2024-06-30 Q2, representing a change of -1335.03%. Indicating a decrease in the relative valuation of the company's stock.
Current Ratio: Current Ratio decreased to 13.41 on 2024-09-30 Q3 from 19.76 on 2024-06-30 Q2, representing a change of -32.11%. The current ratio has been declining, suggesting a decrease in the company's short-term liquidity. Since it's above 3, indicating poor management of working capital.
Debt-to-Equity Ratio:
Negative Sentiment: Discounted Cash Flow value is -31.47 which is lower than current price 66.42, indicates the company may be overvalued.
| Market Capitalization | Enterprise Value | |
|---|---|---|
| Definition | The total market value of a company's outstanding shares | The total market value of a company, including its debt and other liabilities |
| Calculation | Current share price * Total number of outstanding shares | Market capitalization + Total debt - Cash and cash equivalents |
| Focus | Equity component of a company's value | Total economic value of a company |
| Usefulness | Assesses a company's size and growth potential based on investor sentiment | Provides a more comprehensive valuation that considers both equity and debt |
Analyzing dividends is a crucial aspect of investment evaluation, offering valuable insights into a company's financial health and its commitment to shareholder returns. Dividends represent a portion of a company's profits distributed to its shareholders, providing a steady income stream. We help you analyze dividends based on the indicators mentioned below:
• Investors often assess the average dividend amount, observing trends over time to gauge the company's stability and growth potential. A positive trend in average dividends indicates a consistent and potentially lucrative investment. Additionally, evaluating the trend of dividend increases provides insight into the company's financial strength and management's confidence in future earnings.
• Consistency in paying dividends is a reassuring sign, reflecting a company's reliability and commitment to shareholder value. For investors, dividends not only offer income but also contribute to the overall total return on investment.
• Companies with a history of regular and increasing dividends can attract income-focused investors seeking stable returns, making dividends a critical factor in building a well-rounded investment portfolio.
Interested in the overall sentiment for a particular period? Check out our news sentiment analysis tool.
Sentiment: Positive
Publish Date: 2024-11-13 10:00:31
Recently, Zacks.com users have been paying close attention to Upstart (UPST). This makes it worthwhile to examine what the stock has in store.
Sentiment: Neutral
Publish Date: 2024-11-12 23:08:00
SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Announces Pricing of Offering of $425,000,000 of 1.00% Convertible Senior Notes Due 2030.
Sentiment: Positive
Publish Date: 2024-11-12 09:45:00
Upstart uses artificial intelligence to make lending decisions.
Sentiment: Neutral
Publish Date: 2024-11-12 06:55:00
SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Announces Proposed Private Offering of $425,000,000 of Convertible Senior Notes Due 2030.
Sentiment: Positive
Publish Date: 2024-11-11 05:17:49
BTIG upgraded Upstart to Neutral from Sell without a price target. The firm acknowledges that the company's volumes are likely to accelerate further from here, which it says is the key catalyst for the shares into 2025. While not bullish on Upstart shares, BTIG is using a "bull-case scenario" for the stock of significant revenue growth, while holding the line on expenses. Even with this bull-case scenario, it arrives at a valuation that would only justify Upstart as a Neutral rating.
Sentiment: Positive
Publish Date: 2024-11-10 06:00:00
Upstart's Q3 earnings exceeded expectations, driven by strong demand for personal and auto loans, resulting in a 46% surge in share price and a $2.2B market cap increase. The fintech's revenue grew 27% quarter-over-quarter, with decent improvements in key metrics like conversion rates and automated credit decisions. Despite a positive outlook for Q4 and favorable interest rate conditions, Upstart's valuation has become too high, prompting me to take profits.
Sentiment: Neutral
Publish Date: 2024-11-09 09:00:00
Upstart Holdings has shown improved operating momentum in Q3, with a 43% increase in lending volume and positive adjusted EBITDA, but remains a risky investment. The company's AI lending models are still in a validation phase and have not been tested in an economic recession, raising concerns about long-term sustainability. Upstart's reliance on funding partners and high EV/revenue multiple (10x) compared to peers (3.4x) suggests its current valuation may be overvalued.
Sentiment: Positive
Publish Date: 2024-11-09 03:48:00
Robinhood, Upstart, and Affirm are positioned to head higher.
Sentiment: Positive
Publish Date: 2024-11-08 20:42:39
Wall Street applauded results from fintech companies Upstart and Toast. Both companies reported better-than-expected quarterly results.
Sentiment: Positive
Publish Date: 2024-11-08 15:01:08
Although the revenue and EPS for Upstart (UPST) give a sense of how its business performed in the quarter ended September 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
Sentiment: Positive
Publish Date: 2024-11-08 13:18:33
On Wall Street, what goes up must go down, and vice versa. A momentous week with a seesaw of volatility in the markets could be rightly chalked up to the seismic shifts from elections Tuesday (Nov. 5).
Sentiment: Positive
Publish Date: 2024-11-08 12:42:48
Upstart's earnings show the company is firmly back in growth mode.
Sentiment: Neutral
Publish Date: 2024-11-08 12:38:37
Piper Sandler analyst Arvind Ramnani upgraded Upstart Holdings, Inc. UPST to Overweight from Neutral, raising the price forecast to $85 from $31.
Sentiment: Positive
Publish Date: 2024-11-08 09:02:00
Analysts say the AI lender is on a better track is it benefits from an improved interest-rate climate, funding partnerships and “solid” credit trends.
Sentiment: Positive
Publish Date: 2024-11-08 00:38:05
Upstart Holdings, Inc. (NASDAQ:UPST ) Q3 2024 Earnings Conference Call November 7, 2024 4:30 PM ET Company Participants Alice Berry - Senior Director of Investor Relations Dave Girouard - Co-Founder & Chief Executive Officer Sanjay Datta - Chief Financial Officer Conference Call Participants Peter Christiansen - Citigroup Arvind Ramnani - Piper Sandler Rob Wildhack - Autonomous Research Kyle Peterson - Needham David Schwartz - JMP Simon Clinch - Redburn Atlantic Giuliano Bologna - Compass Point Operator Good day and welcome to the Upstart Third Quarter 2024 Earnings Conference Call. Today's conference is being recorded.
Sentiment: Negative
Publish Date: 2024-11-07 19:30:51
Upstart Holdings, Inc. (UPST) came out with a quarterly loss of $0.06 per share versus the Zacks Consensus Estimate of a loss of $0.14. This compares to loss of $0.05 per share a year ago.
Sentiment: Positive
Publish Date: 2024-11-07 16:18:00
Loan volumes picked up 43% on a sequential basis.
Sentiment: Neutral
Publish Date: 2024-11-06 14:45:15
Upstart Holdings Inc (NASDAQ:UPST) stock was last seen up 5.5% at $53.34, as the broader market reacts to Donald Trump's Presidential election victory.
Sentiment: Positive
Publish Date: 2024-11-04 10:22:02
Evaluate the expected performance of Upstart (UPST) for the quarter ended September 2024, looking beyond the conventional Wall Street top-and-bottom-line estimates and examining some of its key metrics for better insight.
Sentiment: Positive
Publish Date: 2024-11-04 08:56:08
Innovative product launches and a unique approach to consumer lending, using AI-driven models to assess credit risk, are likely to have boosted UPST's Q3 revenues.
* The sentiment analysis presented is generated through an algorithm and may be subject to inaccuracies. Users are advised to corroborate key information and employ further analytical methods prior to making critical decisions.
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| Indicator | Bullish | Bearish |
|---|---|---|
| Price and EMA ⓘ | Price crosses above EMA | Price crosses below EMA |
| Short-Term vs Long-Term EMA ⓘ | Short EMA crosses above Long EMA | Short EMA crosses below Long EMA |
| Volume ⓘ | Increasing volume during price uptrend | Increasing volume during price downtrend |
| MACD ⓘ | MACD crosses above Signal Line | MACD crosses below Signal Line |
| RSI ⓘ | RSI is below 30 (oversold) and starts to rise above 30 | RSI is above 70 (overbought) and starts to decline below 70 |
| Candlestick Patterns ⓘ | Bullish candlestick patterns | Bearish candlestick patterns |
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