Is Bloom Energy The Best Stock to Buy Now?
Shares of energy startup Bloom Energy (NYSE:BE) have advanced by…
Buy
56
UPST Quote, Financials, Valuation and Earnings
Last price:
$47.64
Seasonality move
:
45.91%
Day range:
$47.03 - $48.92
52-week range:
$31.40 - $96.43
Dividend yield:
0%
P/E ratio:
209.00x
P/S ratio:
4.91x
P/B ratio:
6.23x
Volume:
4.3M
Avg. volume:
5.1M
1-year change:
-29.21%
Market cap:
$4.6B
Revenue:
$636.5M
EPS (TTM):
$0.23
Analysts' Opinion
-
Consensus RatingUpstart Holdings, Inc. has received a consensus rating of Hold. The company's average rating is a Hold based on 4 Buy ratings, 6 Hold ratings, and 2 Sell ratings.
-
Price Target UpsideAccording to analysts' consensus price target of $55.38, Upstart Holdings, Inc. has an estimated upside of 16.38% from its current price of $47.59.
-
Price Target DownsideAccording to analysts, the lowest downside price target is $20.00 representing 100% downside risk from its current price of $47.59.
Fair Value
-
According to the consensus of 12 analysts, Upstart Holdings, Inc. has 16.38% upside to fair value with a price target of $55.38 per share.
UPST vs. S&P 500
-
Over the past 5 trading days, Upstart Holdings, Inc. has underperformed the S&P 500 by -3.67% suggesting its relative strength compared to the major market average is weak at this time.
Share Buyback
-
Upstart Holdings, Inc. does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.
Revenue Growth
-
Upstart Holdings, Inc. has grown year-over-year revenues for 5 quarters straight. In the most recent quarter Upstart Holdings, Inc. reported revenues of $277.1M.
Earnings Growth
-
Upstart Holdings, Inc. has grown year-over-year earnings for 5 quarters straight. In the most recent quarter Upstart Holdings, Inc. reported earnings per share of $0.23.
Enterprise value:
5.7B
EV / Invested capital:
--
Price / LTM sales:
4.91x
EV / EBIT:
302.94x
EV / Revenue:
5.94x
PEG ratio (5yr expected):
--
EV / Free cash flow:
-14.92x
Price / Operating cash flow:
63.36x
Enterprise value / EBITDA:
136.66x
Gross Profit (TTM):
$943.7M
Return On Assets:
1.36%
Net Income Margin (TTM):
3.33%
Return On Equity:
4.78%
Return On Invested Capital:
1.48%
Operating Margin:
8.54%
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-09-30 | 2024-09-30 | 2025-09-30 | 2024-09-30 | 2025-09-30 | |
| Income Statement | ||||||
| Revenue | $517.9M | $557.9M | $966.7M | $162.1M | $277.1M | |
| Gross Profit | $498.3M | $532.9M | $943.7M | $156.8M | $271M | |
| Operating Income | -$269.8M | -$215.6M | $19M | -$45.2M | $23.7M | |
| EBITDA | -$250.3M | -$190.7M | $42M | -$39.8M | $29.8M | |
| Diluted EPS | -$3.07 | -$1.93 | $0.23 | -$0.08 | $0.23 | |
| Period Ending | 2021-09-30 | 2022-09-30 | 2023-09-30 | 2024-09-30 | 2025-09-30 | |
|---|---|---|---|---|---|---|
| Balance Sheet | ||||||
| Current Assets | $1.3B | $1.5B | $615M | $655.8M | $836.9M | |
| Total Assets | $1.6B | $1.9B | $2B | $1.8B | $2.9B | |
| Current Liabilities | $151.5M | $157.8M | $1.1B | $153.8M | $185.9M | |
| Total Liabilities | $887M | $1.2B | $1.4B | $1.2B | $2.2B | |
| Total Equity | $719.1M | $718.6M | $640.8M | $595.5M | $743.7M | |
| Total Debt | $720.1M | $1B | $243.3M | $1B | $1.9B | |
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-09-30 | 2024-09-30 | 2025-09-30 | 2024-09-30 | 2025-09-30 | |
| Cash Flow Statement | ||||||
| Cash Flow Operations | -$269.7M | $145.3M | -$367.2M | $179.3M | -$122.6M | |
| Cash From Investing | -$173.7M | -$189.7M | -$386.8M | -$46.2M | -$120.5M | |
| Cash From Financing | $228.4M | $85.2M | $935.2M | -$38M | $378.6M | |
| Free Cash Flow | -$285.1M | $137M | -$385.1M | $176.8M | -$126.6M | |
UPST
Sector
Market Cap
$4.6B
$566.8M
Price % of 52-Week High
49.35%
92.6%
Dividend Yield
0%
1.57%
Shareholder Yield
-4.01%
3.13%
1-Year Price Total Return
-29.21%
8.67%
Beta (5-Year)
--
0.479
Dividend yield:
0%
Annualized payout:
$0.00
Payout ratio:
--
Growth streak:
0 years
Technicals
8-day SMA
Buy
Level
$47.49
200-day SMA
Sell
Level
$55.04
Bollinger Bands (100)
Sell
Level
43.03 - 66.67
Chaikin Money Flow
Sell
Level
-10.7M
20-day SMA
Buy
Level
$45.22
Relative Strength Index (RSI14)
Buy
Level
55.51
ADX Line
Buy
Level
12.85
Williams %R
Neutral
Level
-35.5911
50-day SMA
Buy
Level
$45.05
MACD (12, 26)
Buy
Level
8.79
25-day Aroon Oscillator
Buy
Level
56
On Balance Volume
Neutral
Level
4.7M
Financial Scores
Hold
Altman Z-Score
(Annual)
Level (2.1749)
Sell
CA Score
(Annual)
Level (-1.6743)
Buy
Beneish M-Score
(Annual)
Level (-3.8765)
Sell
Momentum Score
Level (4)
Sell
Ohlson Score
Level (1.9585)
Buy
Piotroski F Score
(Annual)
Level (7)
Buy
Quality Ratio Score
Level (8)
Sell
Fundamental Score
Level (3)
Revenue Forecast
Earnings per Share Forecast
Company Profile
Upstart Holdings, Inc. engages in the provision of a cloud-based artificial intelligence lending platform. It operates through the following segments: Personal Lending, Auto Lending, and Other. The Personal Lending segment focuses on unsecured personal loans and small dollar loans. The Auto Lending segment is involved in auto refinance and auto retail loans. The Other segment refers to HELOCs and other. The company was founded by David Joseph Girouard, Anna Mongayt Counselman, and Paul Gu in December 2013 and is headquartered in San Mateo, CA.
Stock Forecast FAQ
In the current month, UPST has received 4 Buy ratings 6 Hold ratings, and 2 Sell ratings. The UPST average analyst price target in the past 3 months is $55.38.
-
Where Will Upstart Holdings, Inc. Stock Be In 1 Year?
According to analysts, the consensus estimate is that Upstart Holdings, Inc. share price will rise to $55.38 per share over the next 12 months.
-
What Do Analysts Say About Upstart Holdings, Inc.?
Analysts are divided on their view about Upstart Holdings, Inc. share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Upstart Holdings, Inc. is a Sell and believe this share price will drop from its current level to $20.00.
-
What Is Upstart Holdings, Inc.'s Price Target?
The price target for Upstart Holdings, Inc. over the next 1-year time period is forecast to be $55.38 according to 12 Wall Street analysts, 4 of them rate the stock a Buy, 2 rate the stock a Sell, and 6 analysts rate the stock a Hold.
-
Is UPST A Buy, Sell Or Hold?
According to Wall Street analysts, the consensus rating for Upstart Holdings, Inc. is a Hold. 6 of 12 analysts rate the stock a Hold at this time.
-
How Can I Buy Shares Of UPST?
You can purchase shares of Upstart Holdings, Inc. via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Upstart Holdings, Inc. shares.
-
What Is The Upstart Holdings, Inc. Share Price Today?
Upstart Holdings, Inc. was last trading at $47.64 per share. This represents the most recent stock quote for Upstart Holdings, Inc.. Yesterday, Upstart Holdings, Inc. closed at $47.59 per share.
-
How To Buy Upstart Holdings, Inc. Stock Online?
In order to purchase Upstart Holdings, Inc. stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.
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Financial Ratios
UPST
Sector
P/E ratio
209.00x
12.30x
PEG ratio
--
0.31x
P/B ratio
6.23x
1.12x
Price / LTM sales
4.91x
1.85x
Growth Metrics
UPST
Sector
Revenue growth
70.91%
5.55%
Earnings growth
405.47%
14.87%
Revenue (5-year growth)
31.13%
8.86%
Earnings forecast
$0.47
$0.62
Profitability
UPST
Sector
Profitability FY 2024
$616M
--
Return on invested capital
1.48%
5.01%
Return on assets
1.36%
1.02%
Return on equity
4.78%
9.68%
Earnings Date
Last Earnings Date
Nov
4
Next Earnings Date
Feb
10
Estimated Next Earnings Date
Feb
3
Balance Sheet
UPST
Sector
Total cash
$836.9M
$432.8M
Short term investments
--
$211.3M
Total assets
$2.4B
$3.1B
Long term debt
$1.9B
$79.3M
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