Analytical Lens: Exploring Upstart Holdings Inc (UPST)’s Financial Story Through Ratios

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The closing price of Upstart Holdings Inc (NASDAQ: UPST) was $23.00 for the day, up 0.13% from the previous closing price of $22.97. In other words, the price has increased by $0.13 from its previous closing price. On the day, 1.64 million shares were traded. UPST stock price reached its highest trading level at $23.48 during the session, while it also had its lowest trading level at $22.9001.


Our analysis of UPST’s different ratios will help us gain a deeper understanding of the company. For the most recent quarter (mrq), Quick Ratio is recorded 3.79 and its Current Ratio is at 3.79. In the meantime, Its Debt-to-Equity ratio is 1.95 whereas as Long-Term Debt/Eq ratio is at 1.93.

Upgrades & Downgrades

In addition, analysts’ ratings and any changes thereto give investors an idea of the stock’s future direction. In the most recent recommendation for this company, BTIG Research on June 07, 2024, initiated with a Sell rating and assigned the stock a target price of $14.

On June 04, 2024, Redburn Atlantic Upgraded its rating to Neutral which previously was Sell and also upped its target price recommendation from $22.50 to $25.50.

On April 04, 2024, BofA Securities started tracking the stock assigning a Underperform rating and target price of $22.BofA Securities initiated its Underperform rating on April 04, 2024, with a $22 target price.

Insider Transactions:

Also, insider trades can serve as a great indicator of what management thinks about the future direction of a stock’s price. A recent insider transaction in this stock occurred on Jul 01 ’24 when Gu Paul sold 5,000 shares for $23.52 per share. The transaction valued at 117,591 led to the insider holds 894,629 shares of the business.

Datta Sanjay sold 1,000 shares of UPST for $23,630 on Jul 01 ’24. The Chief Financial Officer now owns 376,398 shares after completing the transaction at $23.63 per share. On Jun 24 ’24, another insider, Datta Sanjay, who serves as the Chief Financial Officer of the company, sold 1,000 shares for $21.68 each. As a result, the insider received 21,680 and left with 377,398 shares of the company.

Valuation Measures:

Investors should consider key stock statistics when deciding whether to invest or divest. In the wake of the recent closing price, UPST now has a Market Capitalization of 2027345408 and an Enterprise Value of 2920550144. For the stock, the TTM Price-to-Sale (P/S) ratio is 3.77 while its Price-to-Book (P/B) ratio in mrq is 3.30. Its current Enterprise Value per Revenue stands at 5.062 whereas that against EBITDA is -22.537.

Stock Price History:

Over the past 52 weeks, UPST has reached a high of $72.58, while it has fallen to a 52-week low of $19.84. The 50-Day Moving Average of the stock is -4.34%, while the 200-Day Moving Average is calculated to be -17.76%.

Shares Statistics:

UPST traded an average of 4.61M shares per day over the past three months and 3454970 shares per day over the past ten days. A total of 86.33M shares are outstanding, with a floating share count of 75.47M. Insiders hold about 14.12% of the company’s shares, while institutions hold 44.18% stake in the company. Shares short for UPST as of 1718323200 were 26007168 with a Short Ratio of 5.64, compared to 1715731200 on 26012893. Therefore, it implies a Short% of Shares Outstanding of 26007168 and a Short% of Float of 34.06.

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