Financhill
Buy
51

UPST Quote, Financials, Valuation and Earnings

Last price:
$48.23
Seasonality move :
22.71%
Day range:
$47.60 - $48.95
52-week range:
$31.40 - $96.43
Dividend yield:
0%
P/E ratio:
211.77x
P/S ratio:
4.98x
P/B ratio:
6.31x
Volume:
3.1M
Avg. volume:
4.9M
1-year change:
-29.62%
Market cap:
$4.7B
Revenue:
$636.5M
EPS (TTM):
$0.23

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
UPST
Upstart Holdings, Inc.
$279.6M $0.42 31.8% -98.3% $55.38
ENVA
Enova International, Inc.
$806.6M $3.03 14.78% 37.69% $179.50
EQBK
Equity Bancshares, Inc.
$54.2M $0.99 -7.87% 14.89% $52.20
LC
LendingClub Corp.
$256M $0.31 -22.77% 309.71% $22.45
OMF
OneMain Holdings, Inc.
$1.2B $1.60 -14.43% 49.47% $68.40
SLM
SLM Corp.
$382.7M $0.81 -44.9% 85.45% $31.82
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
UPST
Upstart Holdings, Inc.
$48.22 $55.38 $4.7B 211.77x $0.00 0% 4.98x
ENVA
Enova International, Inc.
$164.67 $179.50 $4.1B 15.13x $0.00 0% 1.46x
EQBK
Equity Bancshares, Inc.
$45.68 $52.20 $871.4M 37.74x $0.18 1.38% 2.72x
LC
LendingClub Corp.
$19.75 $22.45 $2.3B 22.23x $0.00 0% 1.63x
OMF
OneMain Holdings, Inc.
$68.97 $68.40 $8.1B 11.71x $1.05 6.05% 1.35x
SLM
SLM Corp.
$27.66 $31.82 $5.6B 9.75x $0.13 1.88% 1.91x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
UPST
Upstart Holdings, Inc.
72.41% 2.956 39.49% 4.50x
ENVA
Enova International, Inc.
76.33% 1.682 144.52% 1.41x
EQBK
Equity Bancshares, Inc.
41.35% 1.024 64.5% 0.00x
LC
LendingClub Corp.
3.51% 2.054 3.04% 8.27x
OMF
OneMain Holdings, Inc.
86.86% 1.658 334.22% 33.48x
SLM
SLM Corp.
74.5% 0.155 116.48% --
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
UPST
Upstart Holdings, Inc.
$271M $23.7M 1.48% 4.78% 8.54% -$126.6M
ENVA
Enova International, Inc.
-- $196.8M 5.87% 24.09% 24.52% $470.5M
EQBK
Equity Bancshares, Inc.
-- -$31.1M 1.7% 2.88% -19% $4.5M
LC
LendingClub Corp.
$287.9M $57.4M 7.22% 7.51% 26.72% -$791.8M
OMF
OneMain Holdings, Inc.
$1.3B $1.1B 2.82% 21.52% 69.64% $828M
SLM
SLM Corp.
$627.6M $272.7M 7.2% 27.31% 54.08% -$52.8M

Upstart Holdings, Inc. vs. Competitors

  • Which has Higher Returns UPST or ENVA?

    Enova International, Inc. has a net margin of 11.48% compared to Upstart Holdings, Inc.'s net margin of 10.01%. Upstart Holdings, Inc.'s return on equity of 4.78% beat Enova International, Inc.'s return on equity of 24.09%.

    Company Gross Margin Earnings Per Share Invested Capital
    UPST
    Upstart Holdings, Inc.
    97.79% $0.23 $2.7B
    ENVA
    Enova International, Inc.
    -- $3.03 $5.4B
  • What do Analysts Say About UPST or ENVA?

    Upstart Holdings, Inc. has a consensus price target of $55.38, signalling upside risk potential of 14.86%. On the other hand Enova International, Inc. has an analysts' consensus of $179.50 which suggests that it could grow by 9.01%. Given that Upstart Holdings, Inc. has higher upside potential than Enova International, Inc., analysts believe Upstart Holdings, Inc. is more attractive than Enova International, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    UPST
    Upstart Holdings, Inc.
    4 6 2
    ENVA
    Enova International, Inc.
    5 1 0
  • Is UPST or ENVA More Risky?

    Upstart Holdings, Inc. has a beta of 0.000, which suggesting that the stock is 100% less volatile than S&P 500. In comparison Enova International, Inc. has a beta of 1.313, suggesting its more volatile than the S&P 500 by 31.325%.

  • Which is a Better Dividend Stock UPST or ENVA?

    Upstart Holdings, Inc. has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Enova International, Inc. offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Upstart Holdings, Inc. pays -- of its earnings as a dividend. Enova International, Inc. pays out -- of its earnings as a dividend.

  • Which has Better Financial Ratios UPST or ENVA?

    Upstart Holdings, Inc. quarterly revenues are $277.1M, which are smaller than Enova International, Inc. quarterly revenues of $802.7M. Upstart Holdings, Inc.'s net income of $31.8M is lower than Enova International, Inc.'s net income of $80.3M. Notably, Upstart Holdings, Inc.'s price-to-earnings ratio is 211.77x while Enova International, Inc.'s PE ratio is 15.13x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Upstart Holdings, Inc. is 4.98x versus 1.46x for Enova International, Inc.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UPST
    Upstart Holdings, Inc.
    4.98x 211.77x $277.1M $31.8M
    ENVA
    Enova International, Inc.
    1.46x 15.13x $802.7M $80.3M
  • Which has Higher Returns UPST or EQBK?

    Equity Bancshares, Inc. has a net margin of 11.48% compared to Upstart Holdings, Inc.'s net margin of -64.85%. Upstart Holdings, Inc.'s return on equity of 4.78% beat Equity Bancshares, Inc.'s return on equity of 2.88%.

    Company Gross Margin Earnings Per Share Invested Capital
    UPST
    Upstart Holdings, Inc.
    97.79% $0.23 $2.7B
    EQBK
    Equity Bancshares, Inc.
    -- -$1.55 $1.2B
  • What do Analysts Say About UPST or EQBK?

    Upstart Holdings, Inc. has a consensus price target of $55.38, signalling upside risk potential of 14.86%. On the other hand Equity Bancshares, Inc. has an analysts' consensus of $52.20 which suggests that it could grow by 14.27%. Given that Upstart Holdings, Inc. has higher upside potential than Equity Bancshares, Inc., analysts believe Upstart Holdings, Inc. is more attractive than Equity Bancshares, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    UPST
    Upstart Holdings, Inc.
    4 6 2
    EQBK
    Equity Bancshares, Inc.
    2 3 0
  • Is UPST or EQBK More Risky?

    Upstart Holdings, Inc. has a beta of 0.000, which suggesting that the stock is 100% less volatile than S&P 500. In comparison Equity Bancshares, Inc. has a beta of 0.882, suggesting its less volatile than the S&P 500 by 11.835%.

  • Which is a Better Dividend Stock UPST or EQBK?

    Upstart Holdings, Inc. has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Equity Bancshares, Inc. offers a yield of 1.38% to investors and pays a quarterly dividend of $0.18 per share. Upstart Holdings, Inc. pays -- of its earnings as a dividend. Equity Bancshares, Inc. pays out 13.51% of its earnings as a dividend. Equity Bancshares, Inc.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UPST or EQBK?

    Upstart Holdings, Inc. quarterly revenues are $277.1M, which are larger than Equity Bancshares, Inc. quarterly revenues of $45.7M. Upstart Holdings, Inc.'s net income of $31.8M is higher than Equity Bancshares, Inc.'s net income of -$29.7M. Notably, Upstart Holdings, Inc.'s price-to-earnings ratio is 211.77x while Equity Bancshares, Inc.'s PE ratio is 37.74x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Upstart Holdings, Inc. is 4.98x versus 2.72x for Equity Bancshares, Inc.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UPST
    Upstart Holdings, Inc.
    4.98x 211.77x $277.1M $31.8M
    EQBK
    Equity Bancshares, Inc.
    2.72x 37.74x $45.7M -$29.7M
  • Which has Higher Returns UPST or LC?

    LendingClub Corp. has a net margin of 11.48% compared to Upstart Holdings, Inc.'s net margin of 11.41%. Upstart Holdings, Inc.'s return on equity of 4.78% beat LendingClub Corp.'s return on equity of 7.51%.

    Company Gross Margin Earnings Per Share Invested Capital
    UPST
    Upstart Holdings, Inc.
    97.79% $0.23 $2.7B
    LC
    LendingClub Corp.
    74.2% $0.37 $1.5B
  • What do Analysts Say About UPST or LC?

    Upstart Holdings, Inc. has a consensus price target of $55.38, signalling upside risk potential of 14.86%. On the other hand LendingClub Corp. has an analysts' consensus of $22.45 which suggests that it could grow by 13.69%. Given that Upstart Holdings, Inc. has higher upside potential than LendingClub Corp., analysts believe Upstart Holdings, Inc. is more attractive than LendingClub Corp..

    Company Buy Ratings Hold Ratings Sell Ratings
    UPST
    Upstart Holdings, Inc.
    4 6 2
    LC
    LendingClub Corp.
    5 1 0
  • Is UPST or LC More Risky?

    Upstart Holdings, Inc. has a beta of 0.000, which suggesting that the stock is 100% less volatile than S&P 500. In comparison LendingClub Corp. has a beta of 2.137, suggesting its more volatile than the S&P 500 by 113.663%.

  • Which is a Better Dividend Stock UPST or LC?

    Upstart Holdings, Inc. has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. LendingClub Corp. offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Upstart Holdings, Inc. pays -- of its earnings as a dividend. LendingClub Corp. pays out -- of its earnings as a dividend.

  • Which has Better Financial Ratios UPST or LC?

    Upstart Holdings, Inc. quarterly revenues are $277.1M, which are smaller than LendingClub Corp. quarterly revenues of $388M. Upstart Holdings, Inc.'s net income of $31.8M is lower than LendingClub Corp.'s net income of $44.3M. Notably, Upstart Holdings, Inc.'s price-to-earnings ratio is 211.77x while LendingClub Corp.'s PE ratio is 22.23x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Upstart Holdings, Inc. is 4.98x versus 1.63x for LendingClub Corp.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UPST
    Upstart Holdings, Inc.
    4.98x 211.77x $277.1M $31.8M
    LC
    LendingClub Corp.
    1.63x 22.23x $388M $44.3M
  • Which has Higher Returns UPST or OMF?

    OneMain Holdings, Inc. has a net margin of 11.48% compared to Upstart Holdings, Inc.'s net margin of 12.48%. Upstart Holdings, Inc.'s return on equity of 4.78% beat OneMain Holdings, Inc.'s return on equity of 21.52%.

    Company Gross Margin Earnings Per Share Invested Capital
    UPST
    Upstart Holdings, Inc.
    97.79% $0.23 $2.7B
    OMF
    OneMain Holdings, Inc.
    84.32% $1.67 $25.7B
  • What do Analysts Say About UPST or OMF?

    Upstart Holdings, Inc. has a consensus price target of $55.38, signalling upside risk potential of 14.86%. On the other hand OneMain Holdings, Inc. has an analysts' consensus of $68.40 which suggests that it could fall by -0.83%. Given that Upstart Holdings, Inc. has higher upside potential than OneMain Holdings, Inc., analysts believe Upstart Holdings, Inc. is more attractive than OneMain Holdings, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    UPST
    Upstart Holdings, Inc.
    4 6 2
    OMF
    OneMain Holdings, Inc.
    9 6 0
  • Is UPST or OMF More Risky?

    Upstart Holdings, Inc. has a beta of 0.000, which suggesting that the stock is 100% less volatile than S&P 500. In comparison OneMain Holdings, Inc. has a beta of 1.387, suggesting its more volatile than the S&P 500 by 38.661%.

  • Which is a Better Dividend Stock UPST or OMF?

    Upstart Holdings, Inc. has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. OneMain Holdings, Inc. offers a yield of 6.05% to investors and pays a quarterly dividend of $1.05 per share. Upstart Holdings, Inc. pays -- of its earnings as a dividend. OneMain Holdings, Inc. pays out 97.23% of its earnings as a dividend. OneMain Holdings, Inc.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UPST or OMF?

    Upstart Holdings, Inc. quarterly revenues are $277.1M, which are smaller than OneMain Holdings, Inc. quarterly revenues of $1.6B. Upstart Holdings, Inc.'s net income of $31.8M is lower than OneMain Holdings, Inc.'s net income of $199M. Notably, Upstart Holdings, Inc.'s price-to-earnings ratio is 211.77x while OneMain Holdings, Inc.'s PE ratio is 11.71x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Upstart Holdings, Inc. is 4.98x versus 1.35x for OneMain Holdings, Inc.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UPST
    Upstart Holdings, Inc.
    4.98x 211.77x $277.1M $31.8M
    OMF
    OneMain Holdings, Inc.
    1.35x 11.71x $1.6B $199M
  • Which has Higher Returns UPST or SLM?

    SLM Corp. has a net margin of 11.48% compared to Upstart Holdings, Inc.'s net margin of 16.25%. Upstart Holdings, Inc.'s return on equity of 4.78% beat SLM Corp.'s return on equity of 27.31%.

    Company Gross Margin Earnings Per Share Invested Capital
    UPST
    Upstart Holdings, Inc.
    97.79% $0.23 $2.7B
    SLM
    SLM Corp.
    75.07% $0.63 $9.2B
  • What do Analysts Say About UPST or SLM?

    Upstart Holdings, Inc. has a consensus price target of $55.38, signalling upside risk potential of 14.86%. On the other hand SLM Corp. has an analysts' consensus of $31.82 which suggests that it could grow by 15.03%. Given that SLM Corp. has higher upside potential than Upstart Holdings, Inc., analysts believe SLM Corp. is more attractive than Upstart Holdings, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    UPST
    Upstart Holdings, Inc.
    4 6 2
    SLM
    SLM Corp.
    5 3 1
  • Is UPST or SLM More Risky?

    Upstart Holdings, Inc. has a beta of 0.000, which suggesting that the stock is 100% less volatile than S&P 500. In comparison SLM Corp. has a beta of 1.140, suggesting its more volatile than the S&P 500 by 13.996%.

  • Which is a Better Dividend Stock UPST or SLM?

    Upstart Holdings, Inc. has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. SLM Corp. offers a yield of 1.88% to investors and pays a quarterly dividend of $0.13 per share. Upstart Holdings, Inc. pays -- of its earnings as a dividend. SLM Corp. pays out 17.15% of its earnings as a dividend. SLM Corp.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UPST or SLM?

    Upstart Holdings, Inc. quarterly revenues are $277.1M, which are smaller than SLM Corp. quarterly revenues of $836.1M. Upstart Holdings, Inc.'s net income of $31.8M is lower than SLM Corp.'s net income of $135.9M. Notably, Upstart Holdings, Inc.'s price-to-earnings ratio is 211.77x while SLM Corp.'s PE ratio is 9.75x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Upstart Holdings, Inc. is 4.98x versus 1.91x for SLM Corp.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UPST
    Upstart Holdings, Inc.
    4.98x 211.77x $277.1M $31.8M
    SLM
    SLM Corp.
    1.91x 9.75x $836.1M $135.9M

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