Upstart Holdings Inc Ordinary Shares UPST
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.
Is it the right time to buy, sell, or hold?
Start a free trial of Morningstar Investor to unlock exclusive ratings and continuous analyst coverage to help you decide if UPST is a good fit for your portfolio.
News
-
Upstart Launches First AI Certification Program for Financial Services
-
Upstart Launches Recognized Customer Personalization
-
PriorityONE Credit Union of Florida Selects Upstart for Personal Lending
-
Upstart to Report First Quarter 2024 Earnings on May 7, 2024
-
Kaua'i Federal Credit Union Selects Upstart for Personal Lending
-
Liberty Savings Bank Selects Upstart for Personal Lending
-
Upstart Delivers Reservation and Deposit System for New Kia EV9 SUV
-
Upstart's stock slides as earnings outlook suggests longer road to recovery
Trading Information
- Previous Close Price
- $23.51
- Day Range
- $23.51–24.98
- 52-Week Range
- $12.01–72.58
- Bid/Ask
- $24.17 / $24.25
- Market Cap
- $2.12 Bil
- Volume/Avg
- 4.3 Mil / 5.5 Mil
Key Statistics
- Price/Earnings (Normalized)
- —
- Price/Sales
- 3.98
- Dividend Yield (Trailing)
- —
- Dividend Yield (Forward)
- —
- 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 Value
- Total Number of Employees
- 1,388
- Website
- https://www.upstart.com
Comparables
Valuation
Metric
|
UPST
|
AFRM
|
OPRT
|
---|---|---|---|
Price/Earnings (Normalized) | — | 114.84 | — |
Price/Book Value | 3.28 | 4.05 | 0.30 |
Price/Sales | 3.98 | 5.51 | 0.46 |
Price/Cash Flow | — | 30.83 | 0.31 |
Price/Earnings
UPST
AFRM
OPRT
Financial Strength
Metric
|
UPST
|
AFRM
|
OPRT
|
---|---|---|---|
Quick Ratio | — | 45.59 | — |
Current Ratio | — | 48.83 | — |
Interest Coverage | — | −1.76 | — |
Quick Ratio
UPST
AFRM
OPRT
Profitability
Metric
|
UPST
|
AFRM
|
OPRT
|
---|---|---|---|
Return on Assets (Normalized) | −2.46% | 1.14% | −3.56% |
Return on Equity (Normalized) | −7.30% | 3.67% | −26.89% |
Return on Invested Capital (Normalized) | — | 4.57% | — |
Return on Assets
UPST
AFRM
OPRT
Credit Services Industry Comparables
Ticker
|
Name
|
Morningstar Rating for Stocks
|
Capital Allocation
|
Economic Moat
|
Market Cap
|
---|---|---|---|---|---|
V
| Visa Inc Class A | Yqqlgwc | Zglvf | $549.4 Bil | |
MA
| Mastercard Inc Class A | Mdrdqmpyk | Gck | $412.4 Bil | |
AXP
| American Express Co | Zbcpbjpgq | Kjdl | $166.0 Bil | |
PYPL
| PayPal Holdings Inc | Vlkkpffv | Nvpllk | $68.7 Bil | |
COF
| Capital One Financial Corp | Jgbctgjqh | Dvbzkx | $54.4 Bil | |
DFS
| Discover Financial Services | Hgpzgknhg | Fxkbxw | $31.3 Bil | |
SYF
| Synchrony Financial | Xtxpgbpw | Gvr | $18.3 Bil | |
ALLY
| Ally Financial Inc | Cwvgxsmmv | Lwv | $12.0 Bil | |
SOFI
| SoFi Technologies Inc Ordinary Shares | Gvgrfddd | Vxw | $7.4 Bil | |
WU
| The Western Union Co | Fxdmnbbbf | Rvjmr | $4.6 Bil |