Upstart Holdings Inc Ordinary Shares UPST

Morningstar Rating
$22.95 −0.04 (0.17%)
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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 LOCK|Ggz%x premium.
Price
$22.95
Fair Value
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Uncertainty
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1-Star Price
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5-Star Price
LOCK|.R#XGm@H
Economic Moat
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Capital Allocation
—

News

Trading Information

Previous Close Price
$22.99
Day Range
$22.56–23.38
52-Week Range
$22.56–55.22
Bid/Ask
$23.00 / $23.08
Shares Outstanding
97.31M
Market Cap
$2.23B
Volume/Avg
5M / 4M

Key Statistics

Price/Earnings (Normalized)
22.09
Price/Sales
2.00
Dividend Yield (Trailing)
0.00%
Dividend Yield (Forward)
0.00%
Dividend Payment Schedule
—
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. The company support development of different lending product offerings, which are grouped into three operating segments - Personal Lending (unsecured personal loans and small dollar loans), Auto Lending (auto refinance, auto retail loans, and auto secured personal loans), and Other (HELOCs and other).
Sector
Financial Services
Industry
Credit Services
Stock Style Box
Small Growth
Total Number of Employees
1,405

Valuation

Metric
UPST
Price/Earnings (Normalized)
22.09
Price/Book Value
2.80
Price/Sales
2.00
Price/Cash Flow
—
Price/Earnings
UPST

Financial Strength

Metric
UPST
Quick Ratio
—
Current Ratio
—
Interest Coverage
—
Quick Ratio
No chart available

Profitability

Metric
UPST
Return on Assets (Normalized)
6.89%
Return on Equity (Normalized)
26.30%
Return on Invested Capital (Normalized)
—
Return on Assets
UPST

Credit Services Industry Comparables

1-Day Chart
Name
Price
Morningstar Rating for Stocks
Capital Allocation
Economic Moat
Market Cap
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LOCK|?M$Vm<#LOCK|?kg$676B
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LOCK|zy@k>XzLOCK|mvR$482B
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LOCK|%vxrVm?LOCK|M@p$204B
Capital One Financial Corp
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LOCK|mf$S?@LOCK|&Fw<D$119B
PayPal Holdings Inc
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LOCK|qH?<$?dLOCK|t<^^$45B
Affirm Holdings Inc Ordinary Shares - Class A
AFRM
LOCK|#n%<gx&LOCK|$&wF$24B
Synchrony Financial
SYF
LOCK|RN^Tzj@LOCK|!G$23B
SoFi Technologies Inc Ordinary Shares
SOFI
LOCK|V%f#?TgLOCK|#B?<$20B
Ally Financial Inc
ALLY
LOCK|$FgXdmTLOCK|%k$11B
Klarna Group PLC
KLAR
LOCK|X#^NF?LOCK|vJ?q$5B

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