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Insights for Upstart Holdings
NASDAQ: UPST
06 - Growing & Well-Funded but Loss-Making
Sector: Financial Services & Legal
Industry: Fintech Platforms | Lending Platforms
Based on PEG Ratio: Unknown
Today's Price
updated on: 		49.19 (2.27%)
Open 50.01 (-1.64%)
High (Upside %) 51.3901 (4.47%)
Low (Downside %) 48.44 (1.55%)
P. Close 48.1 (2.27%)
Open-High % 2.76%
Open-Low % 3.14%
Low-High % 6.09%
Previous Data

UPST is a Stock listed in the US on the NASDAQ under the ticker 'UPST'

Company Summary

Business Units or Product Lines

Upstart Holdings primarily operates within the consumer lending sector with its Upstart platform, which leverages artificial intelligence to improve access to affordable credit.

Business Models for Each Product Line

Upstart generates revenue by charging fees to banks and institutional investors who use its platform for originating loans. The major expenses include marketing costs to acquire new borrowers, technology development expenses, and credit-related losses.

Future Opportunities for Growth

Opportunities for growth include expanding partnerships with more banks and credit institutions, diversifying lending products to include auto loans and mortgages, and increasing penetration in the underserved and subprime credit markets.

Potential Major Risks

Major risks include regulatory changes that affect lending practices, potential data breaches affecting consumer trust, increased competition from traditional lenders and fintech companies, and credit risk from borrower defaults.

Learn More about Upstart Holdings: Company Insights by Algobear (ChatGPT);

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Also read: https://finance.yahoo.com/UPST/profile

Basic Stats
Market Cap-Display Market Cap-Actual Market Cap Enterprise Value-Display Forward P/E Price/Sales Price/Book Enterprise Value/Revenue Profit Margin Operating Margin Return on Assets Return on Equity Revenue-Display Revenue-Actual Revenue Quarterly Revenue Growth EBITDA-Display EBITDA-Actual EBITDA Diluted EPS Total Cash-Display Total Cash-Actual Total Cash Total Debt-Display Total Debt-Actual Total Debt Total Debt/Equity Current Ratio Operating Cash Flow-Display Operating Cash Flow-Actual Operating Cash Flow Levered Free Cash Flow-Display Levered Free Cash Flow-Actual Levered Free Cash Flow % Held by Insiders % Held by Institutions
3.89 B 3890000000.0 3.89 nan B 28.41 5.82 6.14 8.5 -18.99% 1.18% -3.78% -20.27% 680.0 mn 676960000.0 0.68 46.60% -110.0 mn -111870000.0 -0.11 -1.44 800.0 mn 795470000.0 0.8 1.54 B 1540000000.0 1.54 2.4316 14.31 190.0 mn 186330000.0 0.19 260.0 mn 260010000.0 0.26 12.52% 62.95%

source:https://finance.yahoo.com/UPST/key-statistics

Reading Information

source:https://finance.yahoo.com/UPST/key-statistics

source:https://www.google.com/finance/quote/UPST:NASDAQ

source:https://finance.yahoo.com/UPST/analysis

source:https://finance.yahoo.com/UPST/fair-value

source:https://www.nasdaq.com/market-activity/stocks/UPST/price-earnings-peg-ratios

Upside-Downside Spread
Key Weighted 5D 1M 3M 6M 1Y 3Y 10Y
Upside % (high) 46.7% 0.3% (49.34) 5.08% (51.69) 96.03% (96.4294) 96.03% (96.4294) 96.03% (96.4294) 96.03% (96.4294) 716.2% (401.49)
Downside % (low) 31.86% 18.28% (40.2) 36.17% (31.4) 36.17% (31.4) 36.17% (31.4) 58.12% (20.6) 75.75% (11.93) 75.75% (11.93)
Spread % 14.84% -17.97% -31.08% 59.87% 59.87% 37.91% 20.29% 640.46%

UPST's price used for computing the stats is 49.19 as on date

Cumulative Return Percent
Key Today 5D 2W 1M 3M 6M 1Y 3Y 10Y
Last Price-Trend PrevClose 2.27% 23.75% 26.16% -6.96% -24.96% -7.03% 112.76% -34.67%
Last Price 49.19 49.19 49.19 49.19 49.19 49.19 49.19 49.19 49.19
Trend-Previous Close 48.1 39.75 38.99 52.87 65.55 52.91 23.12 75.3 None

UPST's symbol cumulative return percent is computed basis data from date

Return Velocity
5D 2W 1M 3M 6M 1Y
5D window
Metric Mean Median Stdev
Overall 14.42% 45.48 18.49% 47.1 7.13% 41.23 49.73
Up 14.72% 45.6 18.49% 47.1 7.48% 41.14 50.06
Down -1.35% 39.21 -1.35% 39.21 1.36% 38.4 40.02
5D Opportunity: SELL-APPROACHING
returns: 23.75% (25.94%), p.close: 39.75
entry: 50.06, exit: 49.73, min.ret: 0.66%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall 9.01% 43.33 7.44% 42.71 9.08% 37.91 48.75
Up 11.91% 44.48 11.46% 44.3 7.89% 39.78 49.19
Down -2.24% 38.86 -0.68% 39.48 3.41% 36.83 40.89
5D Opportunity: SELL-ACTIVE
returns: 23.75% (23.75%), p.close: 39.75
entry: 49.19, exit: 48.75, min.ret: 0.9%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall -2.19% 38.88 -0.78% 39.44 14.4% 30.29 47.47
Up 8.15% 42.99 5.54% 41.95 8.18% 38.11 47.87
Down -9.63% 35.92 -7.0% 36.97 9.93% 30.0 41.84
5D Opportunity: SELL-ACTIVE
returns: 23.75% (20.42%), p.close: 39.75
entry: 47.87, exit: 47.47, min.ret: 0.84%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall -1.48% 39.16 -1.43% 39.18 14.32% 30.62 47.7
Up 7.52% 42.74 4.94% 41.71 9.36% 37.16 48.32
Down -8.3% 36.45 -5.02% 37.75 8.47% 31.4 41.5
5D Opportunity: SELL-ACTIVE
returns: 23.75% (21.56%), p.close: 39.75
entry: 48.32, exit: 47.7, min.ret: 1.28%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall 0.9% 40.11 -1.14% 39.3 15.3% 30.99 49.23
Up 8.69% 43.21 5.09% 41.78 12.89% 35.52 50.89
Down -6.94% 36.99 -4.4% 38.0 7.36% 32.6 41.38
5D Opportunity: SELL-APPROACHING
returns: 23.75% (28.03%), p.close: 39.75
entry: 50.89, exit: 49.23, min.ret: 3.26%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall 2.36% 40.69 1.5% 40.35 14.39% 32.11 49.27
Up 8.83% 43.26 5.79% 42.05 11.79% 36.23 50.29
Down -5.74% 37.47 -3.63% 38.31 6.47% 33.61 41.33
5D Opportunity: SELL-APPROACHING
returns: 23.75% (26.53%), p.close: 39.75
entry: 50.29, exit: 49.27, min.ret: 2.03%
Using: 5D trend, 0 Days Left
2W window
Metric Mean Median Stdev
Overall 6.89% 41.68 9.63% 42.74 16.02% 32.31 51.05
Up 13.86% 44.39 12.84% 44.0 9.98% 38.56 50.23
Down -10.14% 35.04 -7.53% 36.05 11.18% 28.5 41.58
2W Opportunity: SELL-APPROACHING
returns: 26.16% (28.83%), p.close: 38.99
entry: 50.23, exit: 51.05, min.ret: -1.63%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall -5.67% 36.78 -7.31% 36.14 18.43% 26.0 47.55
Up 10.13% 42.94 9.23% 42.59 8.93% 37.72 48.16
Down -15.64% 32.89 -10.35% 34.96 13.73% 24.86 40.92
2W Opportunity: SELL-ACTIVE
returns: 26.16% (23.52%), p.close: 38.99
entry: 48.16, exit: 47.55, min.ret: 1.26%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall -3.21% 37.74 -1.84% 38.27 19.67% 26.23 49.24
Up 11.8% 43.59 8.28% 42.22 12.29% 36.4 50.78
Down -13.01% 33.92 -6.54% 36.44 12.74% 26.46 41.37
2W Opportunity: SELL-APPROACHING
returns: 26.16% (30.24%), p.close: 38.99
entry: 50.78, exit: 49.24, min.ret: 3.03%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall 1.8% 39.69 0.11% 39.03 20.35% 27.79 51.59
Up 14.64% 44.7 8.85% 42.44 17.14% 34.68 54.72
Down -10.46% 34.91 -7.48% 36.07 10.51% 28.76 41.06
2W Opportunity: SELL-APPROACHING
returns: 26.16% (40.35%), p.close: 38.99
entry: 54.72, exit: 51.59, min.ret: 5.72%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall 4.28% 40.66 2.89% 40.12 19.23% 29.41 51.91
Up 14.74% 44.74 10.31% 43.01 15.93% 35.42 54.05
Down -8.51% 35.67 -5.83% 36.72 9.0% 30.41 40.94
2W Opportunity: SELL-APPROACHING
returns: 26.16% (38.63%), p.close: 38.99
entry: 54.05, exit: 51.91, min.ret: 3.97%
Using: 2W trend, 0 Days Left
1M window
Metric Mean Median Stdev
Overall -22.14% 41.17 -21.35% 41.58 9.27% 33.81 48.52
Up 6.16% 56.13 2.75% 54.32 6.94% 50.62 61.63
Down -31.6% 36.16 -31.01% 36.47 4.42% 32.65 39.67
1M Opportunity:
returns: -6.96% (-38.24%), p.close: 52.87
entry: 32.65, exit: 33.81, min.ret: 3.55%
Using: 1M trend, 0 Days Left
Metric Mean Median Stdev
Overall -10.4% 47.37 -12.94% 46.03 22.2% 29.76 64.98
Up 16.55% 61.62 10.57% 58.46 16.7% 48.38 74.86
Down -22.0% 41.24 -25.42% 39.43 14.27% 29.92 52.55
1M Opportunity:
returns: -6.96% (-43.41%), p.close: 52.87
entry: 29.92, exit: 29.76, min.ret: -0.52%
Using: 1M trend, 0 Days Left
Metric Mean Median Stdev
Overall 4.5% 55.25 -2.98% 51.3 29.54% 31.82 78.68
Up 25.96% 66.59 22.6% 64.82 21.95% 49.19 84.0
Down -15.49% 44.68 -10.88% 47.12 13.69% 33.82 55.53
1M Opportunity:
returns: -6.96% (-36.02%), p.close: 52.87
entry: 33.82, exit: 31.82, min.ret: -5.93%
Using: 1M trend, 0 Days Left
Metric Mean Median Stdev
Overall 8.0% 57.1 2.85% 54.38 26.2% 36.32 77.88
Up 25.57% 66.39 22.27% 64.64 21.2% 49.57 83.2
Down -12.41% 46.31 -9.23% 47.99 11.47% 37.21 55.41
1M Opportunity:
returns: -6.96% (-29.62%), p.close: 52.87
entry: 37.21, exit: 36.32, min.ret: -2.38%
Using: 1M trend, 0 Days Left

UPST's symbol current price is 49.19 (2.27%) as on . Yesterday's close was 48.1. It's return velocities are computed basis data from date .

Win Percent
Key Weighted 5D 1M 3M 6M 1Y 3Y
Open-High (> 1.0%) 88.37% 100% 81.82% 78.79% 79.55% 80.56% 83.73%
Open-Low (> 1.0%) 70.4% 60.0% 77.27% 75.76% 78.79% 82.14% 83.07%
Open-Close-Up (> 0.5%) 49.95% 60.0% 45.45% 40.91% 40.15% 41.67% 43.78%
Open-Close-Down (> 0.5%) 44.22% 40.0% 45.45% 48.48% 50.0% 48.02% 47.09%
Low-Close-Up (> 1.0%) 91.94% 100% 90.91% 83.33% 80.3% 79.37% 80.16%
High-Close-Down (> 1.0%) 83.77% 80.0% 86.36% 86.36% 87.12% 84.52% 84.92%

UPST's symbol win percent is computed basis data from date

Associated Tags