Is Celestica The Best AI Stock to Buy Now?
Technology and hardware business Celestica (NYSE:CLS) has seen massive upward…
Sell
33
UPST Quote, Financials, Valuation and Earnings
Last price:
$27.82
Seasonality move
:
33.59%
Day range:
$25.87 - $27.01
52-week range:
$25.60 - $87.30
Dividend yield:
0%
P/E ratio:
64.64x
P/S ratio:
2.79x
P/B ratio:
3.30x
Volume:
4.7M
Avg. volume:
6.2M
1-year change:
-43.08%
Market cap:
$2.6B
Revenue:
$1B
EPS (TTM):
$0.43
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.
|
$288.6M | $0.46 | 40.87% | -98.3% | $48.50 |
|
AFRM
Affirm Holdings, Inc.
|
$1.1B | $0.84 | 27.28% | 8350.86% | $82.16 |
|
JPM
JPMorgan Chase & Co.
|
$46.2B | $4.82 | -29.45% | 8.45% | $344.78 |
|
LC
LendingClub Corp.
|
$262M | $0.34 | -24.73% | 257.55% | $24.20 |
|
SLM
SLM Corp.
|
$382.7M | $0.92 | -58.15% | -45.15% | $30.73 |
|
SOFI
SoFi Technologies, Inc.
|
$982.4M | $0.11 | 1.16% | 95.69% | $26.50 |
| Company | Price | Analyst Target | Market Cap | P/E Ratio | Dividend per Share | Dividend Yield | Price / LTM Sales |
|---|---|---|---|---|---|---|---|
|
UPST
Upstart Holdings, Inc.
|
$27.79 | $48.50 | $2.6B | 64.64x | $0.00 | 0% | 2.79x |
|
AFRM
Affirm Holdings, Inc.
|
$47.69 | $82.16 | $15.9B | 58.67x | $0.00 | 0% | 4.73x |
|
JPM
JPMorgan Chase & Co.
|
$286.16 | $344.78 | $771.8B | 14.30x | $1.50 | 2.03% | 2.84x |
|
LC
LendingClub Corp.
|
$13.87 | $24.20 | $1.6B | 12.01x | $0.00 | 0% | 1.11x |
|
SLM
SLM Corp.
|
$20.02 | $30.73 | $4B | 5.79x | $0.13 | 2.6% | 1.35x |
|
SOFI
SoFi Technologies, Inc.
|
$17.63 | $26.50 | $22.5B | 46.41x | $0.00 | 0% | 4.63x |
| Company | Total Debt / Total Capital | Beta | Debt to Equity | Quick Ratio |
|---|---|---|---|---|
|
UPST
Upstart Holdings, Inc.
|
70.37% | 3.333 | 44.25% | 3.95x |
|
AFRM
Affirm Holdings, Inc.
|
71.85% | 3.282 | 36.61% | 14.45x |
|
JPM
JPMorgan Chase & Co.
|
73% | 1.302 | 110.22% | 0.00x |
|
LC
LendingClub Corp.
|
4.83% | 2.520 | 3.48% | 8.68x |
|
SLM
SLM Corp.
|
70.51% | 1.105 | 103.86% | 8.87x |
|
SOFI
SoFi Technologies, Inc.
|
15.49% | 3.783 | 5.78% | 7.20x |
| Company | Gross Profit | Operating Income | Return on Invested Capital | Return on Common Equity | EBIT Margin | Free Cash Flow |
|---|---|---|---|---|---|---|
|
UPST
Upstart Holdings, Inc.
|
$289.6M | $18.9M | 2.24% | 7.5% | 6.39% | $104.6M |
|
AFRM
Affirm Holdings, Inc.
|
$792.8M | $229.1M | 2.59% | 9.06% | 43.17% | $118.3M |
|
JPM
JPMorgan Chase & Co.
|
-- | $17.2B | 4.17% | 15.99% | 58.89% | $22.4B |
|
LC
LendingClub Corp.
|
$289.3M | $50M | 9.18% | 9.59% | 24.7% | -$919.3M |
|
SLM
SLM Corp.
|
$534.5M | $401.4M | 8.58% | 31.75% | 51.77% | -$65M |
|
SOFI
SoFi Technologies, Inc.
|
$820.2M | $205M | 4.41% | 6.12% | 15.76% | $900.9M |
Upstart Holdings, Inc. vs. Competitors
-
Which has Higher Returns UPST or AFRM?
Affirm Holdings, Inc. has a net margin of 6.29% compared to Upstart Holdings, Inc.'s net margin of 12.62%. Upstart Holdings, Inc.'s return on equity of 7.5% beat Affirm Holdings, Inc.'s return on equity of 9.06%.
Company Gross Margin Earnings Per Share Invested Capital UPSTUpstart Holdings, Inc.97.82% $0.17 $2.7B AFRMAffirm Holdings, Inc.77.2% $0.37 $12.6B -
What do Analysts Say About UPST or AFRM?
Upstart Holdings, Inc. has a consensus price target of $48.50, signalling upside risk potential of 74.52%. On the other hand Affirm Holdings, Inc. has an analysts' consensus of $82.16 which suggests that it could grow by 72.28%. Given that Upstart Holdings, Inc. has higher upside potential than Affirm Holdings, Inc., analysts believe Upstart Holdings, Inc. is more attractive than Affirm Holdings, Inc..
Company Buy Ratings Hold Ratings Sell Ratings UPSTUpstart Holdings, Inc.6 6 0 AFRMAffirm Holdings, Inc.18 8 0 -
Is UPST or AFRM More Risky?
Upstart Holdings, Inc. has a beta of 2.439, which suggesting that the stock is 143.871% more volatile than S&P 500. In comparison Affirm Holdings, Inc. has a beta of 3.615, suggesting its more volatile than the S&P 500 by 261.495%.
-
Which is a Better Dividend Stock UPST or AFRM?
Upstart Holdings, Inc. has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Affirm Holdings, 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. Affirm Holdings, Inc. pays out -- of its earnings as a dividend.
-
Which has Better Financial Ratios UPST or AFRM?
Upstart Holdings, Inc. quarterly revenues are $296.1M, which are smaller than Affirm Holdings, Inc. quarterly revenues of $1B. Upstart Holdings, Inc.'s net income of $18.6M is lower than Affirm Holdings, Inc.'s net income of $129.6M. Notably, Upstart Holdings, Inc.'s price-to-earnings ratio is 64.64x while Affirm Holdings, Inc.'s PE ratio is 58.67x. 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 2.79x versus 4.73x for Affirm Holdings, Inc.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income UPSTUpstart Holdings, Inc.2.79x 64.64x $296.1M $18.6M AFRMAffirm Holdings, Inc.4.73x 58.67x $1B $129.6M
-
Which has Higher Returns UPST or JPM?
JPMorgan Chase & Co. has a net margin of 6.29% compared to Upstart Holdings, Inc.'s net margin of 18.64%. Upstart Holdings, Inc.'s return on equity of 7.5% beat JPMorgan Chase & Co.'s return on equity of 15.99%.
Company Gross Margin Earnings Per Share Invested Capital UPSTUpstart Holdings, Inc.97.82% $0.17 $2.7B JPMJPMorgan Chase & Co.-- $4.63 $1.3T -
What do Analysts Say About UPST or JPM?
Upstart Holdings, Inc. has a consensus price target of $48.50, signalling upside risk potential of 74.52%. On the other hand JPMorgan Chase & Co. has an analysts' consensus of $344.78 which suggests that it could grow by 20.49%. Given that Upstart Holdings, Inc. has higher upside potential than JPMorgan Chase & Co., analysts believe Upstart Holdings, Inc. is more attractive than JPMorgan Chase & Co..
Company Buy Ratings Hold Ratings Sell Ratings UPSTUpstart Holdings, Inc.6 6 0 JPMJPMorgan Chase & Co.9 12 0 -
Is UPST or JPM More Risky?
Upstart Holdings, Inc. has a beta of 2.439, which suggesting that the stock is 143.871% more volatile than S&P 500. In comparison JPMorgan Chase & Co. has a beta of 1.065, suggesting its more volatile than the S&P 500 by 6.465%.
-
Which is a Better Dividend Stock UPST or JPM?
Upstart Holdings, Inc. has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. JPMorgan Chase & Co. offers a yield of 2.03% to investors and pays a quarterly dividend of $1.50 per share. Upstart Holdings, Inc. pays -- of its earnings as a dividend. JPMorgan Chase & Co. pays out 28.97% of its earnings as a dividend. JPMorgan Chase & Co.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios UPST or JPM?
Upstart Holdings, Inc. quarterly revenues are $296.1M, which are smaller than JPMorgan Chase & Co. quarterly revenues of $69.6B. Upstart Holdings, Inc.'s net income of $18.6M is lower than JPMorgan Chase & Co.'s net income of $13B. Notably, Upstart Holdings, Inc.'s price-to-earnings ratio is 64.64x while JPMorgan Chase & Co.'s PE ratio is 14.30x. 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 2.79x versus 2.84x for JPMorgan Chase & Co.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income UPSTUpstart Holdings, Inc.2.79x 64.64x $296.1M $18.6M JPMJPMorgan Chase & Co.2.84x 14.30x $69.6B $13B
-
Which has Higher Returns UPST or LC?
LendingClub Corp. has a net margin of 6.29% compared to Upstart Holdings, Inc.'s net margin of 10.56%. Upstart Holdings, Inc.'s return on equity of 7.5% beat LendingClub Corp.'s return on equity of 9.59%.
Company Gross Margin Earnings Per Share Invested Capital UPSTUpstart Holdings, Inc.97.82% $0.17 $2.7B LCLendingClub Corp.73.52% $0.35 $1.6B -
What do Analysts Say About UPST or LC?
Upstart Holdings, Inc. has a consensus price target of $48.50, signalling upside risk potential of 74.52%. On the other hand LendingClub Corp. has an analysts' consensus of $24.20 which suggests that it could grow by 74.48%. 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 UPSTUpstart Holdings, Inc.6 6 0 LCLendingClub Corp.5 0 0 -
Is UPST or LC More Risky?
Upstart Holdings, Inc. has a beta of 2.439, which suggesting that the stock is 143.871% more volatile than S&P 500. In comparison LendingClub Corp. has a beta of 2.111, suggesting its more volatile than the S&P 500 by 111.078%.
-
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 $296.1M, which are smaller than LendingClub Corp. quarterly revenues of $393.5M. Upstart Holdings, Inc.'s net income of $18.6M is lower than LendingClub Corp.'s net income of $41.6M. Notably, Upstart Holdings, Inc.'s price-to-earnings ratio is 64.64x while LendingClub Corp.'s PE ratio is 12.01x. 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 2.79x versus 1.11x for LendingClub Corp.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income UPSTUpstart Holdings, Inc.2.79x 64.64x $296.1M $18.6M LCLendingClub Corp.1.11x 12.01x $393.5M $41.6M
-
Which has Higher Returns UPST or SLM?
SLM Corp. has a net margin of 6.29% compared to Upstart Holdings, Inc.'s net margin of 31.55%. Upstart Holdings, Inc.'s return on equity of 7.5% beat SLM Corp.'s return on equity of 31.75%.
Company Gross Margin Earnings Per Share Invested Capital UPSTUpstart Holdings, Inc.97.82% $0.17 $2.7B SLMSLM Corp.72.32% $1.12 $8.3B -
What do Analysts Say About UPST or SLM?
Upstart Holdings, Inc. has a consensus price target of $48.50, signalling upside risk potential of 74.52%. On the other hand SLM Corp. has an analysts' consensus of $30.73 which suggests that it could grow by 53.48%. Given that Upstart Holdings, Inc. has higher upside potential than SLM Corp., analysts believe Upstart Holdings, Inc. is more attractive than SLM Corp..
Company Buy Ratings Hold Ratings Sell Ratings UPSTUpstart Holdings, Inc.6 6 0 SLMSLM Corp.5 2 1 -
Is UPST or SLM More Risky?
Upstart Holdings, Inc. has a beta of 2.439, which suggesting that the stock is 143.871% more volatile than S&P 500. In comparison SLM Corp. has a beta of 1.185, suggesting its more volatile than the S&P 500 by 18.523%.
-
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 2.6% 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 15.04% 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 $296.1M, which are smaller than SLM Corp. quarterly revenues of $739.1M. Upstart Holdings, Inc.'s net income of $18.6M is lower than SLM Corp.'s net income of $233.2M. Notably, Upstart Holdings, Inc.'s price-to-earnings ratio is 64.64x while SLM Corp.'s PE ratio is 5.79x. 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 2.79x versus 1.35x for SLM Corp.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income UPSTUpstart Holdings, Inc.2.79x 64.64x $296.1M $18.6M SLMSLM Corp.1.35x 5.79x $739.1M $233.2M
-
Which has Higher Returns UPST or SOFI?
SoFi Technologies, Inc. has a net margin of 6.29% compared to Upstart Holdings, Inc.'s net margin of 13%. Upstart Holdings, Inc.'s return on equity of 7.5% beat SoFi Technologies, Inc.'s return on equity of 6.12%.
Company Gross Margin Earnings Per Share Invested Capital UPSTUpstart Holdings, Inc.97.82% $0.17 $2.7B SOFISoFi Technologies, Inc.61.43% $0.13 $12.4B -
What do Analysts Say About UPST or SOFI?
Upstart Holdings, Inc. has a consensus price target of $48.50, signalling upside risk potential of 74.52%. On the other hand SoFi Technologies, Inc. has an analysts' consensus of $26.50 which suggests that it could grow by 50.31%. Given that Upstart Holdings, Inc. has higher upside potential than SoFi Technologies, Inc., analysts believe Upstart Holdings, Inc. is more attractive than SoFi Technologies, Inc..
Company Buy Ratings Hold Ratings Sell Ratings UPSTUpstart Holdings, Inc.6 6 0 SOFISoFi Technologies, Inc.5 10 2 -
Is UPST or SOFI More Risky?
Upstart Holdings, Inc. has a beta of 2.439, which suggesting that the stock is 143.871% more volatile than S&P 500. In comparison SoFi Technologies, Inc. has a beta of 2.205, suggesting its more volatile than the S&P 500 by 120.53%.
-
Which is a Better Dividend Stock UPST or SOFI?
Upstart Holdings, Inc. has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. SoFi Technologies, 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. SoFi Technologies, Inc. pays out -- of its earnings as a dividend.
-
Which has Better Financial Ratios UPST or SOFI?
Upstart Holdings, Inc. quarterly revenues are $296.1M, which are smaller than SoFi Technologies, Inc. quarterly revenues of $1.3B. Upstart Holdings, Inc.'s net income of $18.6M is lower than SoFi Technologies, Inc.'s net income of $173.5M. Notably, Upstart Holdings, Inc.'s price-to-earnings ratio is 64.64x while SoFi Technologies, Inc.'s PE ratio is 46.41x. 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 2.79x versus 4.63x for SoFi Technologies, Inc.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income UPSTUpstart Holdings, Inc.2.79x 64.64x $296.1M $18.6M SOFISoFi Technologies, Inc.4.63x 46.41x $1.3B $173.5M
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