UPSTART HOLDINGS INC (UPST)
US91680M1071 - Common Stock
UPST gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 51 industry peers in the Consumer Finance industry. UPST may be in some trouble as it scores bad on both profitability and health. UPST is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year UPST has reported negative net income.
In the past year UPST has reported a negative cash flow from operations.
The reported net income has been mixed in the past 5 years: UPST reported negative net income in multiple years.
The reported operating cash flow has been mixed in the past 5 years: UPST reported negative operating cash flow in multiple years.
1.2 Ratios
The Return On Assets of UPST (-11.91%) is worse than 82.35% of its industry peers.
The Return On Equity of UPST (-37.81%) is worse than 80.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -11.91% | ||
| ROE | -37.81% | ||
| ROIC | N/A |
ROA(3y)-3.36%
ROA(5y)-1.79%
ROE(3y)-12.4%
ROE(5y)-7.14%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a decent Gross Margin value of 72.55%, UPST is doing good in the industry, outperforming 70.59% of the companies in the same industry.
In the last couple of years the Gross Margin of UPST has declined.
UPST does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 72.55% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-5.41%
GM growth 5Y-3.06%
2. Health
2.1 Basic Checks
UPST does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, UPST has more shares outstanding
Compared to 5 years ago, UPST has more shares outstanding
UPST has a worse debt/assets ratio than last year.
2.2 Solvency
UPST has an Altman-Z score of 0.64. This is a bad value and indicates that UPST is not financially healthy and even has some risk of bankruptcy.
UPST has a Altman-Z score (0.64) which is in line with its industry peers.
A Debt/Equity ratio of 1.64 is on the high side and indicates that UPST has dependencies on debt financing.
With a Debt to Equity ratio value of 1.64, UPST perfoms like the industry average, outperforming 52.94% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.64 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.64 |
ROIC/WACCN/A
WACC7.13%
2.3 Liquidity
UPST has a Current Ratio of 1.25. This is a normal value and indicates that UPST is financially healthy and should not expect problems in meeting its short term obligations.
UPST has a Current ratio (1.25) which is in line with its industry peers.
UPST has a Quick Ratio of 1.25. This is a normal value and indicates that UPST is financially healthy and should not expect problems in meeting its short term obligations.
UPST has a Quick ratio of 1.25. This is comparable to the rest of the industry: UPST outperforms 54.90% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.25 | ||
| Quick Ratio | 1.25 |
3. Growth
3.1 Past
The earnings per share for UPST have decreased strongly by -538.46% in the last year.
Looking at the last year, UPST shows a very negative growth in Revenue. The Revenue has decreased by -39.60% in the last year.
The Revenue has been growing by 42.14% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-538.46%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q56%
Revenue 1Y (TTM)-39.6%
Revenue growth 3Y30.97%
Revenue growth 5Y42.14%
Revenue growth Q2Q-9.83%
3.2 Future
UPST is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 45.50% yearly.
Based on estimates for the next years, UPST will show a very strong growth in Revenue. The Revenue will grow by 20.41% on average per year.
EPS Next Y-35.52%
EPS Next 2Y50.95%
EPS Next 3Y45.5%
EPS Next 5YN/A
Revenue Next Year13.01%
Revenue Next 2Y20.46%
Revenue Next 3Y20.41%
Revenue Next 5YN/A
3.3 Evolution
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for UPST. In the last year negative earnings were reported.
Also next year UPST is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
UPST's earnings are expected to grow with 45.50% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y50.95%
EPS Next 3Y45.5%
5. Dividend
5.1 Amount
No dividends for UPST!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
UPSTART HOLDINGS INC
NASDAQ:UPST (4/30/2024, 7:00:02 PM)
After market: 22 -0.13 (-0.59%)22.13
-0.91 (-3.95%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.94B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -11.91% | ||
| ROE | -37.81% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 72.55% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.27
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.64 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 1.25 | ||
| Quick Ratio | 1.25 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-538.46%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y-35.52%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-39.6%
Revenue growth 3Y30.97%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y