Upstart Holdings Inc (NASDAQ:UPST)
Stock Price:
$29.57
-0.18
(-0.6%)
Updated
Jun 2, 2023 08:00 PM GMT+0000
| Market Cap | 2.44B |
|---|---|
| Revenue | 635.24M |
| Gross Profit | 635.24M |
| Shares Out | 82.67M |
| EPS (ttm) | -3.41 |
| PE Ratio | -9.0336 |
| Forward PE | 239.5213 |
| Dividend Rate (ttm) | 0.0000 |
| Dividend Yield | 0.0000 |
| Trading Day | Jun 2 |
|---|---|
| Last Price | $29.57 |
| Previous Close | $29.75 |
| Change ($) | -0.18 |
| Change (%) | -0.6% |
| Day's Open | 30.7 |
| Day's Range | 28.81 - 31.14 |
| Day's Volume | 9.94M |
| 52 Week Range | 11.93 - 51.11 |
About Upstart Holdings Inc
founded by ex-googlers, upstart is the first lending platform to leverage artificial intelligence and machine learning to price credit and automate the borrowing process. upstart has demonstrated unparalleled credit performance and the industry’s highest consumer ratings.
in addition to its direct-to-consumer lending platform, upstart provides technology to banks, credit unions and other partners via a saas offering called powered by upstart. learn more about upstart at https://www.upstart.com/about.
find out how to join the team here at https://www.upstart.com/careers!.
News
Quick info
Industry
Credit Card Issuing
Sector
Finance and Insurance
Employees
1,875
Website
upstart.com
Ticker Symbol
UPST
Exchange
NASDAQ Stock Exchange
Reporting Currency
USD
Upstart Holdings Inc income statements (2022) (USD)
| August 2022 | May 2022 | February 2022 | |
|---|---|---|---|
| Total Revenue | 228.16M | 310.14M | 1.36B |
| Cost of Revenue | 0 | 0 | 462M |
| Gross Profit | 228.16M | 310.14M | 0.90B |
| Research & Development | 0 | 0 | 0 |
| Selling General & Admin | 152.15M | 176.91M | 62M |
| Operating Expense | 260.27M | 275.30M | 1.53B |
| Operating Income | -32.11M | 34.83M | -165M |
| Other Income Expense Net | 0 | 0 | 0 |
| EBIT | -32.11M | 34.83M | -172M |
| Interest Income | 0 | 0 | 257M |
| Pretax Income | -29.85M | 32.71M | -450M |
| Income Tax | 24K | 19K | 2M |
| Minority Interest | 0 | 0 | 7M |
| Net Income | -29.87M | 32.69M | -459M |
| Net Income Basic | -29.87M | 32.69M | -459M |
Upstart Holdings Inc income statements (2021) (USD)
| November 2021 | August 2021 | May 2021 | |
|---|---|---|---|
| Total Revenue | 228.45M | 193.95M | 121.35M |
| Cost of Revenue | 0 | 0 | 0 |
| Gross Profit | 228.45M | 193.95M | 121.35M |
| Research & Development | 0 | 0 | 0 |
| Selling General & Admin | 127.79M | 102.06M | 69.40M |
| Operating Expense | 199.85M | 157.65M | 105.77M |
| Operating Income | 28.60M | 36.29M | 15.57M |
| Other Income Expense Net | 0 | 0 | 0 |
| EBIT | 28.60M | 36.29M | 15.57M |
| Interest Income | 0 | 0 | 0 |
| Pretax Income | 27.85M | 36.30M | 10.32M |
| Income Tax | -1.27M | -0.99M | 221K |
| Minority Interest | 0 | 0 | 0 |
| Net Income | 29.11M | 37.28M | 10.10M |
| Net Income Basic | 29.11M | 37.28M | 10.10M |
Upstart Holdings Inc balance sheet (2023) (USD)
| February 2023 | |
|---|---|
| Current Cash | 0 |
| Receivables | 52.83M |
| Inventory | 0 |
| Current Assets | 1.65B |
| Other Current Assets | 53.21M |
| Short Term Investments | 53.21M |
| Long Term Investments | 287.13M |
| Property/Plant Equipment | 44.17M |
| Good Will | N.A |
| Intangible Assets | 15.63M |
| Tangible Assets (Net) | 589.74M |
| Other Assets | 32.68M |
| Total Assets | 1.94B |
| Accounts Payable | 109.49M |
| Other Current Liabilities | 54.15M |
| Total Current Liabilities | 1.15B |
| Total Liabilities | 1.26B |
| Long Term Debt | 0 |
| Current Long Term Debt | 0.99B |
| Minority Interest | 0 |
| Common Stock | 81.35M |
| Treasury Stock | 0 |
| Retained Earnings | -42.44M |
| Capital Surplus | N.A |
| Shareholder Equity | 672.44M |
| Other Liabilities | N.A |
Upstart Holdings Inc balance sheet (2022) (USD)
| August 2022 | May 2022 | |
|---|---|---|
| Current Cash | 0 | 0 |
| Receivables | 0 | 0 |
| Inventory | 0 | 0 |
| Current Assets | 1.54B | 1.61B |
| Other Current Assets | 0 | 0 |
| Short Term Investments | 0 | 0 |
| Long Term Investments | 378.83M | 376.92M |
| Property/Plant Equipment | 36.05M | 29.82M |
| Good Will | N.A | N.A |
| Intangible Assets | 17.77M | 18.84M |
| Tangible Assets (Net) | 672.24M | 790.61M |
| Other Assets | 126.60M | 126.98M |
| Total Assets | 1.92B | 1.99B |
| Accounts Payable | 127.74M | 150.09M |
| Other Current Liabilities | 175.65M | 191.77M |
| Total Current Liabilities | 1.16B | 1.11B |
| Total Liabilities | 1.16B | 1.11B |
| Long Term Debt | 0 | 0 |
| Current Long Term Debt | 856.56M | 769.22M |
| Minority Interest | 0 | 0 |
| Common Stock | 83.83M | 84.23M |
| Treasury Stock | 0 | 0 |
| Retained Earnings | 69.04M | 98.91M |
| Capital Surplus | N.A | N.A |
| Shareholder Equity | 757.07M | 876.50M |
| Other Liabilities | N.A | N.A |
Upstart Holdings Inc balance sheet (2021) (USD)
| November 2021 | August 2021 | May 2021 | March 2021 | |
|---|---|---|---|---|
| Current Cash | 0 | 0 | 0 | 0 |
| Receivables | 10.49M | 44.73M | 34.17M | 30.73M |
| Inventory | 0 | 0 | 0 | 0 |
| Current Assets | 1.31B | 774.94M | 450.36M | 433.36M |
| Other Current Assets | 0 | 30.37M | 22.94M | 12.84M |
| Short Term Investments | 0 | 30.37M | 22.94M | 12.84M |
| Long Term Investments | 294.26M | 129.64M | 38.23M | 43.89M |
| Property/Plant Equipment | 18.90M | 13.55M | 10.10M | 10.03M |
| Good Will | N.A | N.A | N.A | N.A |
| Intangible Assets | 20.98M | 22.13M | 0 | 0 |
| Tangible Assets (Net) | 631.25M | 627.10M | 320.59M | 300.25M |
| Other Assets | 77.49M | 10.89M | 10.87M | 15.55M |
| Total Assets | 1.61B | 0.90B | 488.59M | 477.26M |
| Accounts Payable | 93.69M | 94.27M | 64.62M | 59.28M |
| Other Current Liabilities | 144.13M | 81.43M | 38.70M | 34.34M |
| Total Current Liabilities | 887.04M | 181.76M | 145.21M | 156.24M |
| Total Liabilities | 887.04M | 188.49M | 168M | 177M |
| Long Term Debt | 0 | 0 | 0 | 0 |
| Current Long Term Debt | 649.22M | 6.06M | 41.89M | 62.63M |
| Minority Interest | 0 | 0 | 0 | 0 |
| Common Stock | 79.39M | 76.67M | 73.63M | 17.51M |
| Treasury Stock | 0 | 0 | 0 | 0 |
| Retained Earnings | 7.28M | -21.84M | -59.12M | -69.22M |
| Capital Surplus | N.A | N.A | N.A | N.A |
| Shareholder Equity | 719.09M | 716.10M | 320.59M | 300.25M |
| Other Liabilities | N.A | N.A | N.A | N.A |
Upstart Holdings Inc cash flow (2023) (USD)
| February 2023 | |
|---|---|
| Net Income | -55.26M |
| Depreciation | 3.65M |
| Changes in Receivables | 52.83M |
| Changes in Inventories | 0 |
| Cash Change | 422.41M |
| Cash Flow | -252.88M |
| Capital Expenditures | -4.98M |
| Investments | N.A |
| Investing Activity (other) | N.A |
| Total Investing Cash Flows | -85.11M |
| Dividends Paid | N.A |
| Net Borrowings | -77.23M |
| Other Financing Cash Flows | N.A |
| Cash Flow Financing | 40.53M |
| Exchange Rate Effect | N.A |
Upstart Holdings Inc cash flow (2022) (USD)
| November 2022 | August 2022 | May 2022 | February 2022 | |
|---|---|---|---|---|
| Net Income | -56.22M | -29.87M | 32.69M | -459M |
| Depreciation | 3.72M | 18K | 2.78M | 281M |
| Changes in Receivables | 53.34M | 0 | 0 | 70M |
| Changes in Inventories | 0 | 0 | 0 | 0 |
| Cash Change | 683.97M | 790.43M | 757.83M | -263M |
| Cash Flow | -101.37M | 402.69M | -266.8M | -137M |
| Capital Expenditures | -5.52M | 1.14M | -5.29M | -54M |
| Investments | N.A | N.A | N.A | N.A |
| Investing Activity (other) | N.A | N.A | N.A | N.A |
| Total Investing Cash Flows | -24.25M | -44.88M | 5.18M | 394M |
| Dividends Paid | N.A | N.A | N.A | N.A |
| Net Borrowings | 157.86M | 232.79M | 171.24M | 3.95B |
| Other Financing Cash Flows | N.A | N.A | N.A | N.A |
| Cash Flow Financing | 41.12M | 126.93M | 83.07M | -475M |
| Exchange Rate Effect | N.A | N.A | N.A | N.A |
Upstart Holdings Inc cash flow (2021) (USD)
| November 2021 | August 2021 | May 2021 | |
|---|---|---|---|
| Net Income | 29.11M | 37.28M | 10.10M |
| Depreciation | 2.19M | 1.98M | 816K |
| Changes in Receivables | 10.49M | 44.73M | 34.17M |
| Changes in Inventories | 0 | 0 | 0 |
| Cash Change | 1.04B | 506.29M | 257.02M |
| Cash Flow | 43.60M | 92.80M | 43.09M |
| Capital Expenditures | -5.29M | -3.54M | -601K |
| Investments | N.A | N.A | N.A |
| Investing Activity (other) | N.A | N.A | N.A |
| Total Investing Cash Flows | -84.4M | -40.6M | 0.90M |
| Dividends Paid | N.A | N.A | N.A |
| Net Borrowings | 519.60M | -106.62M | -38.24M |
| Other Financing Cash Flows | N.A | N.A | N.A |
| Cash Flow Financing | 595.03M | 229.26M | -19.26M |
| Exchange Rate Effect | N.A | N.A | N.A |
Upstart Holdings Inc dividends (USD)
Total Valuation
Upstart Holdings Inc has a market cap or net worth of $2.44 billion. The enterprise value is $2.44 billion.
Market Cap
2.44B
Enterprise Value
2.44B
Important Dates
Earnings Date
Aug 8, 2023
Ex-Dividend Date
n.a
Share Statistics
Upstart Holdings Inc has 82.67 million shares outstanding.
Shares Outstanding
82.67M
Float
n.a
Valuation Ratios
The trailing PE ratio is -9.0336 and the forward PE ratio is 239.5213. Upstart Holdings Inc's PEG ratio is 0.0295.
PE Ratio
-9.0336
Forward PE
239.5213
PS Ratio
3.8500
PB Ratio
3.9000
PEG Ratio
0.0295
Stock Price Statistics
The stock price has increased by 1.2368%. The beta is 2.8148, so Upstart Holdings Inc's price volatility has been higher than the market average.
Beta (1Y)
2.8148
52-Week Price Change
+1.2368%
50-Day Moving Average
18.97
200-Day Moving Average
17.27
Average Volume (30 Days)
13.81M
Income Statement
In the last 12 months, Upstart Holdings Inc had revenue of $635.24 million and earned $635.24 million in profits. Earnings per share was $-3.41.
Revenue
635.24M
Gross Profit
635.24M
EBITDA
-263.36M
Earnings per Share
-3.41
About
Ticker Symbol
UPST
Reporting Currency
USD
Key Executives
Gu Paul
SVP, Product and Data Science
Counselman Anna M.
SVP, People and Operations
Nicoll Alison
General Counsel and Secretary
Datta Sanjay
Chief Financial Officer
Girouard Dave
Chief Executive Officer
Mirgorodskaya Natalia
Corporate Controller