Upstart Holdings, Inc.

NMS: UPST

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📈 ZcoreAI Score

Our AI model analyzes Upstart Holdings, Inc.'s price action across multiple timeframes using regression channels and statistical scoring.

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About Upstart Holdings, Inc.

Financial Services Credit Services

Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.

📊 Fundamental Analysis

Upstart Holdings, Inc. demonstrates a profit margin of 5.0%, which is below the sector average, suggesting competitive pressure.

The company recently reported 34.4% revenue growth, which is well above average for the Financial Services sector.

Return on Equity (ROE) is 7.5%, which suggests room for improvement in capital utilization.

At a current price of $27.26, UPST currently trades near the bottom of its 52-week range (5%), indicating potential value or weakness (Range: $23.96 - $87.30).

💰 Valuation Insight

UPST trades at a 404.8% premium to the sector average PE of 12.00. Analysts expect earnings growth, as indicated by a lower forward PE.

🏥 Financial Health

🔴 Profit Margin Weak

🔴 Debt/Equity Elevated

✅ Revenue Growth Excellent

🔴 Return on Equity Weak

🔴 Beta (Risk) High Volatility

Key Financials

Market Cap

$2.67B

Trailing P/E

60.58

Forward P/E

8.48

Beta (5Y)

2.16

52W High

$87.30

52W Low

$23.96

Avg Volume

5.02M

Day High

Day Low

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