Deeper Dive: Understanding Upstart Holdings Inc (UPST) Through its Various Ratios

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The price of Upstart Holdings Inc (NASDAQ: UPST) closed at $61.69 in the last session, down -7.47% from day before closing price of $66.67. In other words, the price has decreased by -$7.47 from its previous closing price. On the day, 4.31 million shares were traded.

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 5.92 whereas its Price-to-Free Cash Flow (P/FCF) for the term is 31.17. 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 bought 500 shares for $68.09 per share.

Darling Scott bought 2,000 shares of UPST for $135,776 on Mar 03 ’25. On Feb 28 ’25, another insider, Darling Scott, who serves as the Officer of the company, bought 15,507 shares for $65.12 each.

Valuation Measures:

For the stock, the TTM Price-to-Sale (P/S) ratio is 9.08 while its Price-to-Book (P/B) ratio in mrq is 9.11.

Stock Price History:

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 -9.29%, while the 200-Day Moving Average is calculated to be 28.53%.

Shares Statistics:

A total of 93.47M shares are outstanding, with a floating share count of 81.03M. Insiders hold about 13.54% of the company’s shares, while institutions hold 62.52% stake in the company.

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