What is Upstart Holdings Financial Strength?
Upstart Holdings has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Warning Sign:
Upstart Holdings Inc displays poor financial strength. Usually, this is caused by too much debt for the company.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors:
1. The debt burden that the company has as measured by its
Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3.
Altman Z-Score.
GuruFocus does not calculate Upstart Holdings's interest coverage with the available data.
Upstart Holdings's debt to revenue ratio for the quarter that ended in Dec. 2023 was 2.04.
Altman Z-Score does not apply to banks and insurance companies.
Upstart Holdings Financial Strength Calculation
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Upstart Holdings's Interest Expense for the
months ended in Dec. 2023 was $-14.1 Mil. Its Operating Income for the
months ended in Dec. 2023 was $0.0 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $715.3 Mil.
Upstart Holdings's Interest Coverage for the quarter that ended in Dec. 2023 is
The higher the ratio, the stronger the company's financial strength is.
2. Debt to revenue ratio. The lower, the better.
Upstart Holdings's Debt to Revenue Ratio for the quarter that ended in Dec. 2023 is
3. Altman Z-Score.
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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.
Upstart Holdings (Upstart Holdings) Business Description
Traded in Other Exchanges
Address
2950 S. Delaware Street, Suite 300, San Mateo, CA, USA, 94403
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 revenue of the company comprised of fees paid by banks.
Executives
| Sanjay Datta |
officer: Chief Financial Officer |
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 |
| Paul Gu |
director, officer: SVP, Product and Data Science |
C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403 |
| Natalia Mirgorodskaya |
officer: Corporate Controller |
C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403 |
| 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 |
| Kerry Whorton Cooper |
director |
77 BEALE ST., P.O. BOX 770000, SAN FRANCISCO CA 94177 |
| 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 |
| Cassidy Sukhinder Singh |
director |
C/O URBAN OUTFITTERS INC, 5000 SOUTH BROAD STREET, PHILADELPHIA PA 19112 |
| 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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