Upstart Holdings, Inc. Common stock (UPST) — Analysis Summary
Upstart Holdings, Inc. Common stock (UPST) has a market cap of $2.96B with year-over-year revenue growth of +64.0%. Net margin stands at 5.1%. The stock trades at a P/E ratio of 49.1.
Key Takeaways
- Revenue changed +64.0% year-over-year
- Net margin of 5.1%
- P/E ratio of 49.1
Compared to other companies in the FINANCE SERVICES sector, UPST posted revenue growth of +64.0% and trades at a P/E of 49.1.
Upstart Holdings, Inc. Common stock (UPST)
UPDATED — ET · MARKET DATA POLYGON · FINANCIALS SEC EDGAR
Red Flags & WarningsHigh Risk Signals
Multiple material red flags are active and deserve closer underwriting before relying on any valuation output.
Interest coverage at 1.2x — minimal debt service cushion
Operating margin (4.0%) exceeds gross margin (0.0%) — check for other operating income or data classification issues
The latest filing shows negative free cash flow.
Operating cash flow is negative while net income remains positive.
Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners. The company support development of different lending product offerings, which are grouped into three operating segments - Personal Lending (unsecured personal loans and small dollar loans), Auto Lending (auto refinance, auto retail loans, and auto secured personal loans), and Other (HELOCs and other).
Sector
FINANCE SERVICES
Employees
1,405
Headquarters
SAN MATEO, CA
Exchange
XNAS
Systematic competitive advantage assessment based on 4yr data
This assessment is based on quantitative analysis of historical financial data and does not constitute investment advice. Moat ratings may change with industry and competitive dynamics.
First version surfaces recent SEC Forms 3, 4, and 5 activity. It does not yet parse individual buy/sell transactions.
Capital Structure
Cash Flow
Disclaimer: This is not financial advice. Data sourced from SEC EDGAR and Polygon.io. Past performance does not guarantee future results. Always conduct your own research before making investment decisions.