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

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The price of Upstart Holdings Inc (NASDAQ: UPST) closed at $22.39 in the last session, down -2.95% from day before closing price of $23.07. In other words, the price has decreased by -$2.95 from its previous closing price. On the day, 4.49 million shares were traded. UPST stock price reached its highest trading level at $23.05 during the session, while it also had its lowest trading level at $22.26.

Ratios:

We take a closer look at UPST’s different ratios to gain a better understanding of the stock. 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:

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 Jun 10 ’24 when Datta Sanjay sold 1,000 shares for $24.00 per share. The transaction valued at 24,000 led to the insider holds 379,398 shares of the business.

Gu Paul sold 15,000 shares of UPST for $378,002 on Jun 03 ’24. The Chief Technology Offier now owns 894,629 shares after completing the transaction at $25.20 per share. On Jun 03 ’24, another insider, Darling Scott, who serves as the Chief Legal Officer of the company, sold 3,000 shares for $25.44 each. As a result, the insider received 76,334 and left with 196,993 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 1967588352 and an Enterprise Value of 2860793088. For the stock, the TTM Price-to-Sale (P/S) ratio is 3.67 while its Price-to-Book (P/B) ratio in mrq is 3.21. Its current Enterprise Value per Revenue stands at 4.959 whereas that against EBITDA is -22.076.

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 -7.88%, while the 200-Day Moving Average is calculated to be -21.46%.

Shares Statistics:

According to the various share statistics, UPST traded on average about 4.86M shares per day over the past 3-months and 5604760 shares per day over the past 10 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 44.08% stake in the company. Shares short for UPST as of 1715731200 were 26012893 with a Short Ratio of 5.29, compared to 1713139200 on 26018689. Therefore, it implies a Short% of Shares Outstanding of 26012893 and a Short% of Float of 34.06.

Earnings Estimates

Upstart Holdings Inc (UPST) is presently subject to a detailed evaluation by 11.0 analysts, each offering their unique perspectives on its market standing.On average, analysts expect EPS of -$0.4 for the current quarter, with a high estimate of -$0.36 and a low estimate of -$0.43, while EPS last year was $0.06. The consensus estimate for the next quarter is -$0.21, with high estimates of -$0.06 and low estimates of -$0.38.

Analysts are recommending an EPS of between -$0.79 and -$1.22 for the fiscal current year, implying an average EPS of -$0.99. EPS for the following year is $0.11, with 13.0 analysts recommending between $0.67 and -$0.3.

Revenue Estimates

According to 10 analysts, the current quarter’s revenue is expected to be $124.54M. It ranges from a high estimate of $125.6M to a low estimate of $119.6M. As of the current estimate, Upstart Holdings Inc’s year-ago sales were $135.77MFor the next quarter, 10 analysts are estimating revenue of $135.23M. There is a high estimate of $143M for the next quarter, whereas the lowest estimate is $121.6M.

A total of 12 analysts have provided revenue estimates for UPST’s current fiscal year. The highest revenue estimate was $562.13M, while the lowest revenue estimate was $512M, resulting in an average revenue estimate of $537.9M. In the same quarter a year ago, actual revenue was $560.43MBased on 12 analysts’ estimates, the company’s revenue will be $699.6M in the next fiscal year. The high estimate is $983.14M and the low estimate is $571.4M.

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