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Upstart Holdings does not have enough data to calculate Mohanram G-Score.
The historical data trend for Upstart Holdings's Mohanram G-Score can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
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Mohanram G-Score | Get a 7-Day Free Trial | N/A | N/A | N/A | N/A | N/A |
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Mohanram G-Score | Get a 7-Day Free Trial |
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For the Credit Services subindustry, Upstart Holdings's Mohanram G-Score, along with its competitors' market caps and Mohanram G-Score data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
For the Credit Services industry and Financial Services sector, Upstart Holdings's Mohanram G-Score distribution charts can be found below:
* The bar in red indicates where Upstart Holdings's Mohanram G-Score falls into.
The calculation of the Mohanram G-score consists of eight criteria. Assign one point for each criterion met, then add up all the points to get the G-Score.
Profitability
Question 1. Return on Assets (ROA)
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. It measures how well a company uses its asset to generate earnings.
Score 1 if ROA > ROA Industry Median, 0 otherwise.
Question 2. Cash ROA
Cash ROA equals to Cash Flow from Operations divided by average Total Assets. It measures how well a company uses its asset to generate cash.
Score 1 if Cash ROA > Cash ROA Industry Median, 0 otherwise.
Question 3. CFO and Net Income
Score 1 if CFO > Net Income, 0 otherwise.
Earnings Predictability
Question 4. Earnings Variability
Earnings Variability is measured as the variance of a firm's ROA in the past five years.
Score 1 if Earnings Variability < Earnings Variability Industry Median, 0 otherwise.
Question 5. Sales Growth Variability
Sales Growth Variability is measured as the 5-year variance in sales growth.
Score 1 if Sales Growth Variability < Sales Growth Variability Industry Median, 0 otherwise.
Accounting Conservatism
Question 6. Research & Development Intensity
Research & Development Intensity is calcualted by Research & Development divided by the beginning Total Assets.
Score 1 if Research & Development Intensity > Research & Development Intensity Industry Median, 0 otherwise.
Question 7. CAPEX Intensity
CAPEX Intensity is calcualted by Capital Expenditure divided by the beginning Total Assets.
Score 1 if CAPEX Intensity > CAPEX Intensity Industry Median, 0 otherwise.
Question 8. Advertising Expenditure Intensity
Advertising Expenditure Intensity is calcualted by Advertising Expenditure divided by the beginning Total Assets. Note that Advertising Expenditure is not reported as a seperate line item for many companies, thus Selling, General, & Admin. Expense is used in this calculation.
Score 1 if Advertising Expenditure Intensity > Advertising Expenditure Intensity Industry Median, 0 otherwise.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
* Note that all the Industry Median used for comparison in his original research, are substituted with Sector Median due to the limitation of data within certain countries.
Good or high score = 6, 7, 8
Bad or low score = 0, 1
Upstart Holdings (NAS:UPST) Mohanram G-Score Explanation
Partha Mohanram is the John H. Watson Chair in Value Investing at Rotman and the Acting Vice-Dean of Research Strategy and Resources.
In 2000, he wrote a research paper called "Separating Winners from Losers Among Low Book-to-Market Stocks Using Financial Statement Analysis".
This paper tests whether a strategy based on financial statement analysis of low book-to-market (growth) stocks is successful in differentiating between winners and losers in terms of future stock performance. Based on the research, a strategy based on buying high G-score (6, 7 or 8) firms and shorting low G-score (0 or 1) firms consistently earns significant excess returns. Further, the results do not support a risk based explanation for the book-to-market effect as the strategy returns positive returns in all years, and firms that ex-ante appear less risky have better future returns.
To conclude, one can use a modified fundamental analysis strategy (G-score) to identify mispricing and earn substantial abnormal returns.
Thank you for viewing the detailed overview of Upstart Holdings's Mohanram G-Score provided by GuruFocus.com. Please click on the following links to see related term pages.
Dave Girouard | director, 10 percent owner, officer: Chief Executive Officer | C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403 |
Paul Gu | director, officer: SVP, Product and Data Science | C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403 |
Kerry Whorton Cooper | director | 77 BEALE ST., P.O. BOX 770000, SAN FRANCISCO CA 94177 |
Cassidy Sukhinder Singh | director | C/O URBAN OUTFITTERS INC, 5000 SOUTH BROAD STREET, PHILADELPHIA PA 19112 |
Natalia Mirgorodskaya | officer: Corporate Controller | C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403 |
Scott Darling | officer: Chief Legal Officer | C/O STITCH FIX, INC., 1 MONTGOMERY STREET, SUITE 1500, SAN FRANCISCO CA 94104 |
Sanjay Datta | officer: Chief Financial Officer | C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403 |
Alison Nicoll | officer: General Counsel | C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403 |
Daniel S Loeb | 10 percent owner, other: See Footnote (1) | THIRD POINT LLC, 390 PARK AVENUE, NEW YORK NY 10022 |
Third Point Llc | 10 percent owner | 55 HUDSON YARDS, NEW YORK NY 10001 |
Mary Hentges | director | C/O SHOTSPOTTER, INC., 7979 GATEWAY BLVD., STE. 210, NEWARK CA 94560 |
Terry Hilliard C. Iii | director | ONE SW COLUMBIA ST STE 1200, PORTLAND OR 97258 |
Anna M. Counselman | officer: SVP, People and Operations | C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403 |
Jeff Huber | director | 209 REDWOOD SHORES PARKWAY, REDWOOD CITY CA 94065 |
Robert S Schwartz | director | C/O THIRD POINT LLC, 390 PARK AVENUE, NEW YORK NY 10022 |
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