Upstart Holdings Inc Ordinary Shares UPST

Morningstar Rating
$38.94 +1.16 (3.07%)
View Full Chart

About Quantitative Ratings

Morningstar Quantitative Ratings for Stocks are generated using an algorithm that compares companies that are not under analyst coverage to peer companies that do receive analyst-driven ratings. Companies with quantitative ratings are not formally covered by a Morningstar analyst, but are statistically matched to analyst-rated companies, allowing our models to calculate a quantitative moat, fair value, and uncertainty rating.

Price vs Fair Value

UPST is trading at a 23% premium.
Price
$39.12
Fair Value
$48.39
Uncertainty
Very High
1-Star Price
$29.94
5-Star Price
$97.38
Economic Moat
Tkwhc
Capital Allocation

News

Trading Information

Previous Close Price
$37.78
Day Range
$37.4139.38
52-Week Range
$19.8449.62
Bid/Ask
$38.39 / $38.59
Market Cap
$3.49 Bil
Volume/Avg
7,373 / 7.6 Mil

Key Statistics

Price/Earnings (Normalized)
Price/Sales
6.41
Dividend Yield (Trailing)
0.00%
Dividend Yield (Forward)
0.00%
Total Yield

Company Profile

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. Upstart’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit and small dollar loans.
Sector
Financial Services
Industry
Credit Services
Stock Style Box
Small Growth
Total Number of Employees
1,388

Comparables

Valuation

Metric
UPST
LPRO
GSY
Price/Earnings (Normalized)
146.0010.99
Price/Book Value
5.833.212.65
Price/Sales
6.417.122.23
Price/Cash Flow
45.60
Price/Earnings
UPST
LPRO
GSY

Financial Strength

Metric
UPST
LPRO
GSY
Quick Ratio
12.8626.66
Current Ratio
13.3226.84
Interest Coverage
0.69
Quick Ratio
UPST
LPRO
GSY

Profitability

Metric
UPST
LPRO
GSY
Return on Assets (Normalized)
−3.53%3.44%13.63%
Return on Equity (Normalized)
−10.77%6.14%53.87%
Return on Invested Capital (Normalized)
3.48%14.16%
Return on Assets
UPST
LPRO
GSY

Credit Services Industry Comparables

1-Day Chart
Name
Price
Morningstar Rating for Stocks
Capital Allocation
Economic Moat
Market Cap
Visa Inc Class A
V
YkypkvmSkfsr$539.0 Bil
Mastercard Inc Class A
MA
NznzkzwPtrk$457.8 Bil
American Express Co
AXP
FxdgzpgDypx$192.6 Bil
PayPal Holdings Inc
PYPL
QvzrdqjkCtsjqmn$79.2 Bil
Capital One Financial Corp
COF
XfzgvhydWjctpnx$55.9 Bil
Discover Financial Services
DFS
PkfzxlsmnTtzqvt$34.5 Bil
Synchrony Financial
SYF
VvxdmzbFvnrg$19.6 Bil
Ally Financial Inc
ALLY
ZvvdnhtqnJkql$10.5 Bil
SoFi Technologies Inc Ordinary Shares
SOFI
YwrlvbkqDqdf$8.3 Bil
The Western Union Co
WU
QyrvfdpCvnkh$4.0 Bil

Sponsor Center