Company Analysis Upstart Holdings, Inc.
1. Summary
Advantages
- Price (57.74 $) is less than fair price (72.77 $)
- The stock's return over the last year (106.74%) is higher than the sector average (-26.38%).
- Current debt level 33.12% is below 100% and has decreased over 5 years from 34.49%.
Disadvantages
- Dividends (0%) are below the sector average (1.72%).
- The company's current efficiency (ROE=-37.8%) is lower than the sector average (ROE=5.61%)
Similar companies
2. Share price and performance
2.1. Share price
2.2. News
2.3. Market efficiency
| Upstart Holdings, Inc. | Financials | Index | |
|---|---|---|---|
| 7 days | 7.1% | 0.4% | 0.7% |
| 90 days | 33.3% | -32.9% | 2.2% |
| 1 year | 106.7% | -26.4% | 26% |
UPST vs Sector: Upstart Holdings, Inc. has outperformed the "Financials" sector by 133.13% over the past year.
UPST vs Market: Upstart Holdings, Inc. has outperformed the market by 80.76% over the past year.
Stable price: UPST is not significantly more volatile than the rest of the market on "NASDAQ" over the last 3 months, with typical variations of +/- 5% per week.
Long period: UPST with weekly volatility of 2.05% over the past year.
3. Summary of the report
4. Fundamental Analysis
4.1. Stock price and price forecast
Below fair price: The current price (57.74 $) is lower than the fair price (72.77 $).
Price significantly below the fair price: The current price (57.74 $) is 26% lower than the fair price.
4.2. P/E
P/E vs Sector: The company's P/E (23) is lower than that of the sector as a whole (38.91).
P/E vs Market: The company's P/E (23) is lower than that of the market as a whole (49.04).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (5.82) is higher than that of the sector as a whole (0.6287).
P/BV vs Market: The company's P/BV (5.82) is higher than that of the market as a whole (3.17).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (7.2) is higher than that of the sector as a whole (4.98).
P/S vs Market: The company's P/S indicator (7.2) is lower than that of the market as a whole (10.24).
4.4.1 P/S Similar companies
4.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (-19.69) is lower than that of the sector as a whole (40.84).
EV/Ebitda vs Market: The company's EV/Ebitda (-19.69) is lower than that of the market as a whole (28.32).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Negative and has fallen by -820.44% over the last 5 years.
Accelerating profitability: The return for the last year (0%) exceeds the average return for 5 years (-820.44%).
Profitability vs Sector: The return for the last year (0%) exceeds the return for the sector (-15.99%).
5.4. ROE
ROE vs Sector: The company's ROE (-37.8%) is lower than that of the sector as a whole (5.61%).
ROE vs Market: The company's ROE (-37.8%) is lower than that of the market as a whole (10.71%).
5.5. ROA
ROA vs Sector: The company's ROA (-11.9%) is lower than that of the sector as a whole (5.48%).
ROA vs Market: The company's ROA (-11.9%) is lower than that of the market as a whole (6.47%).
5.6. ROIC
ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (5.05%).
ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (10.79%).
7. Dividends
7.1. Dividend yield vs Market
Low yield: The dividend yield of the company 0% is below the average for the sector '1.72%.
7.2. Stability and increase in payments
Unstable dividends: The company's dividend yield 0% has not been consistently paid over the past 7 years, DSI=0.
Weak dividend growth: The company's dividend yield 0% has been growing weakly or stagnant over the past 5 years. Growth over only 0 years.
7.3. Payout percentage
Dividend Coverage: Current payments from income (0%) are at an uncomfortable level.
8. Insider trades
8.1. Insider trading
Insider Buying Exceeds insider sales by 100% over the last 3 months.
8.2. Latest transactions
| Transaction date | Insider | Type | Price | Volume | Quantity |
|---|---|---|---|---|---|
| 07.01.2025 | Gu Paul Chief Technology Offier |
Purchase | 2.15 | 107 500 | 50 000 |
| 26.12.2024 | Mirgorodskaya Natalia See Remarks |
Purchase | 1.35 | 4 725 | 3 500 |
| 21.11.2024 | Gu Paul Officer |
Purchase | 75.03 | 1 591 690 | 21 214 |
| 15.11.2024 | Gu Paul Officer |
Purchase | 66.58 | 4 327 700 | 65 000 |
| 28.10.2024 | Datta Sanjay Chief Financial Officer |
Sale | 51.7 | 77 550 | 1 500 |
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