Analyzing Ratios: Upstart Holdings Inc (UPST)’s Financial Story Unveiled

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The price of Upstart Holdings Inc (NASDAQ: UPST) closed at $48.54 in the last session, up 4.82% from day before closing price of $46.31. In other words, the price has increased by $4.82 from its previous closing price. On the day, 4.46 million shares were traded. UPST stock price reached its highest trading level at $49.24 during the session, while it also had its lowest trading level at $47.2327.

Ratios:

We take a closer look at UPST’s different ratios to gain a better understanding of the stock. It provided that stocks Price–to–Cash (P/C) ratio for the trailing twelve months (TTM) is standing at 4.66 whereas its Price-to-Free Cash Flow (P/FCF) for the term is 24.52. For the most recent quarter (mrq), Quick Ratio is recorded 5.13 and its Current Ratio is at 5.13. In the meantime, Its Debt-to-Equity ratio is 2.43 whereas as Long-Term Debt/Eq ratio is at 2.41.

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 the company, Morgan Stanley on February 14, 2025, Upgraded its rating to Equal-Weight and sets its target price to $70 from $12 previously.

On February 12, 2025, JP Morgan Upgraded its rating to Neutral which previously was Underweight and also upped its target price recommendation from $57 to $79.

B. Riley Securities Upgraded its Neutral to Buy on February 12, 2025, whereas the target price for the stock was revised from $49 to $105.

Insider Transactions:

An investor can also benefit from insider trades by learning what management is thinking about the future direction of stock prices. A recent insider transaction in this stock occurred on Mar 03 ’25 when Cooper Kerry Whorton sold 500 shares for $68.09 per share. The transaction valued at 34,045 led to the insider holds 18,156 shares of the business.

Darling Scott sold 15,507 shares of UPST for $1,009,767 on Feb 28 ’25. The Chief Legal Officer now owns 135,463 shares after completing the transaction at $65.12 per share. On Mar 03 ’25, another insider, Darling Scott, who serves as the Chief Legal Officer of the company, sold 2,000 shares for $67.89 each. As a result, the insider received 135,776 and left with 150,129 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 4548731904 and an Enterprise Value of 5293027840. For the stock, the TTM Price-to-Sale (P/S) ratio is 7.15 while its Price-to-Book (P/B) ratio in mrq is 7.17. Its current Enterprise Value per Revenue stands at 7.819 whereas that against EBITDA is -47.312.

Stock Price History:

The Beta on a monthly basis for UPST is 2.39, which has changed by 1.0107706 over the last 52 weeks, in comparison to a change of 0.09506309 over the same period for the S&P500. Over the past 52 weeks, UPST has reached a high of $96.43, while it has fallen to a 52-week low of $20.60. The 50-Day Moving Average of the stock is -24.99%, while the 200-Day Moving Average is calculated to be -1.31%.

Shares Statistics:

According to the various share statistics, UPST traded on average about 5.87M shares per day over the past 3-months and 5544160 shares per day over the past 10 days. A total of 93.47M shares are outstanding, with a floating share count of 81.35M. Insiders hold about 13.19% of the company’s shares, while institutions hold 62.64% stake in the company. Shares short for UPST as of 1740700800 were 16724984 with a Short Ratio of 2.85, compared to 1738281600 on 17923658. Therefore, it implies a Short% of Shares Outstanding of 16724984 and a Short% of Float of 20.349999999999998.

Dividends & Splits

Against a Trailing Annual Dividend Yield of 0.0

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