Business Description
Upstart Holdings Inc
NAICS : 522291
SIC : 6163
ISIN : US91680M1071
Share Class Description:
FRA:855: Ordinary SharesTotal Employee Number:
1,405Compare
Compare
Traded in other countries / regions
UPST.USAU2PS34.BrazilUPST.Mexico855.Germany1UPST.ItalyUPST.Switzerland IPO Date
2021-08-24Description
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).
Financial Strength
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 0.23 | |||||
Equity-to-Asset | 0.25 | |||||
Debt-to-Equity | 2.54 | |||||
Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 4/9 | |||||
Beneish M-Score | -1.64 | |||||
WACC vs ROIC | ||||||
Growth Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | -2 | |||||
3-Year EPS without NRI Growth Rate | 22.2 | |||||
3-Year FCF Growth Rate | 42.7 | |||||
3-Year Book Growth Rate | -0.5 | |||||
Future 3-5Y EPS without NRI Growth Rate Estimate Industry Rank | 43.65 | |||||
Future 3-5Y Total Revenue Growth Rate Estimate | 34.93 |
Momentum Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 58.44 | |||||
9-Day RSI | 55.1 | |||||
14-Day RSI | 52.56 | |||||
3-1 Month Momentum % | 9.06 | |||||
6-1 Month Momentum % | 1 | |||||
12-1 Month Momentum % | -51.96 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Average Share Buyback Ratio | -6.5 | |||||
Shareholder Yield % | -17.33 |
Profitability Rank
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 4.92 | |||||
FCF Margin % | -25.01 | |||||
OCF Margin % | -23.28 | |||||
ROE % | 7.95 | |||||
ROA % | 2.08 | |||||
Years of Profitability over Past 10-Year | 3 | |||||
Moat Score | 3 | |||||
Tariff Resilience Score | 9 |
GF Value Rank
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 62.45 | |||||
Forward PE Ratio | 12.51 | |||||
PE Ratio without NRI | 39.23 | |||||
Price-to-Owner-Earnings | 39.03 | |||||
PEG Ratio | 5.86 | |||||
PS Ratio | 2.66 | |||||
PB Ratio | 3.73 | |||||
Price-to-Tangible-Book | 4.12 | |||||
EV-to-Revenue | 3.71 | |||||
EV-to-Forward-Revenue | 3.54 | |||||
EV-to-FCF | -14.9 | |||||
Price-to-GF-Value | 0.51 | |||||
Price-to-Graham-Number | 2.68 | |||||
FCF Yield % | -10.25 | |||||
Forward Rate of Return (Yacktman) % | -11.48 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
Guru Trades
See DetailsInsider Trades
See DetailsPeter Lynch Chart
Performance
Dividend
Log
Bar
Annualized Return % Â
Total Annual Return % Â
Upstart Holdings Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil €) | 1,055.155 | ||
| EPS (TTM) (€) | 0.419 | ||
| Beta | 3.7035 | ||
| 3-Year Sharpe Ratio | 0.02 | ||
| 3-Year Sortino Ratio | 0.04 | ||
| Volatility % | 55.67 | ||
| 14-Day RSI | 52.56 | ||
| 14-Day ATR (€) | 1.097628 | ||
| 20-Day SMA (€) | 24.92625 | ||
| 12-1 Month Momentum % | -51.96 | ||
| 52-Week Range (€) | 20.73 - 64 | ||
| Shares Outstanding (Mil) | 97.31 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 4 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Upstart Holdings Inc Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Upstart Holdings Inc Stock Events
| Event | Date | Price (€) | ||
|---|---|---|---|---|
| Fourth quarter earnings conference call for 2026 | 2027-02-10 16:30 | In 175 days | ||
| Annual report for 2026 | 2027-02-10 | In 174 days | ||
| Fourth quarter earnings results for 2026 | 2027-02-10 | In 174 days | ||
| Third quarter earnings conference call for 2026 | 2026-11-04 16:30 | In 77 days | ||
| Third quarter earnings results for 2026 | 2026-11-04 | In 76 days | ||
| Guidance call for 2026 | 2026-08-11 11:00 | 26.22 (-1.35%) | ||
| Second quarter earnings conference call for 2026 | 2026-08-04 16:30 | 23.85 (-0.04%) | ||
| Second quarter earnings results for 2026 | 2026-08-04 | 23.85 (-0.04%) | ||
| Morgan Stanley US Financials Conference | 2026-06-10 15:15 | 26.35 (-0.58%) | ||
| General meeting for 2026 | 2026-05-28 09:00 | 26.10 (+0.40%) |
Show
Entries
Upstart Holdings Inc Frequently Asked Questions
What is Upstart Holdings Inc(FRA:855)'s stock price today?
The current price of FRA:855 is €26.21. The 52 week high of FRA:855 is €64.00 and 52 week low is €20.73.
When is next earnings date of Upstart Holdings Inc(FRA:855)?
The next earnings date of Upstart Holdings Inc(FRA:855) is 2026-11-04 Est..
Does Upstart Holdings Inc(FRA:855) pay dividends? If so, how much?
Upstart Holdings Inc(FRA:855) does not pay dividend.
Press Release
Articles on Upstart Holdings Inc
No articles.
Survey
We'd love to learn more about your experiences on GuruFocus.com and how we can improve!
Take Survey
Follow Us
Disclaimers