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Upstart Holdings has the Profitability Rank of 2. It has had trouble to make a profit.
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way. It is based on these factors:
1. Operating Margin %Upstart Holdings's Operating Margin % for the quarter that ended in Dec. 2023 was 0.00%. As of today, Upstart Holdings's Piotroski F-Score is 2.
For the Credit Services subindustry, Upstart Holdings's Profitability Rank, along with its competitors' market caps and Profitability Rank 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 Profitability Rank distribution charts can be found below:
* The bar in red indicates where Upstart Holdings's Profitability Rank falls into.
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.
Upstart Holdings has the Profitability Rank of 2. It has had trouble to make a profit.
Profitability Rank is not directly related to the Financial Strength. But if a company is consistently profitable, its financial strength will be stronger.
Profitability Rank is based on these factors:
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
Upstart Holdings's Operating Margin % for the quarter that ended in Dec. 2023 is calculated as:
Operating Margin % | = | Operating Income (Q: Dec. 2023 ) | / | Revenue (Q: Dec. 2023 ) |
= | 0 | / | 134.869 | |
= | 0.00 % |
* 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.
Warning Sign:
Piotroski F-Score of 2 is low, which usually implies poor business operation.
The zones of discrimination were as such:
Good or high score = 8 or 9
Bad or low score = 0 or 1
Upstart Holdings has an F-score of 2. It is a bad or low score, which usually implies poor business operation.
3. Trend of the Operating Margin % (5-year average). The company with an uptrend profit margin has a higher rank.
4. Consistency of the profitability
5. Predictability Rank
Thank you for viewing the detailed overview of Upstart Holdings's Profitability Rank provided by GuruFocus.com. Please click on the following links to see related term pages.
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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