Insider’s View: Deciphering Upstart Holdings Inc (UPST)’s Financial Health Through Ratios

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The price of Upstart Holdings Inc (NASDAQ: UPST) closed at $68.27 in the last session, down -0.13% from day before closing price of $68.36. In other words, the price has decreased by -$0.13 from its previous closing price. On the day, 7.77 million shares were traded. UPST stock price reached its highest trading level at $73.94 during the session, while it also had its lowest trading level at $67.5.

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 9.63 whereas its Price-to-Free Cash Flow (P/FCF) for the term is 41.44. For the most recent quarter (mrq), Quick Ratio is recorded 4.26 and its Current Ratio is at 4.26. In the meantime, Its Debt-to-Equity ratio is 1.75 whereas as Long-Term Debt/Eq ratio is at 1.74.

On November 08, 2024, Piper Sandler Upgraded its rating to Overweight which previously was Neutral and also upped its target price recommendation from $31 to $85.

JP Morgan Upgraded its Underweight to Neutral on November 08, 2024, whereas the target price for the stock was revised from $30 to $45.

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 Nov 18 ’24 when Datta Sanjay bought 1,500 shares for $68.56 per share.

Girouard Dave bought 41,667 shares of UPST for $2,725,424 on Nov 15 ’24. On Nov 15 ’24, another insider, Gu Paul, who serves as the Officer of the company, bought 65,000 shares for $66.58 each.

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 6236348416 and an Enterprise Value of 6823913472. For the stock, the TTM Price-to-Sale (P/S) ratio is 11.33 while its Price-to-Book (P/B) ratio in mrq is 10.43. Its current Enterprise Value per Revenue stands at 11.28 whereas that against EBITDA is -47.525.

Stock Price History:

Over the past 52 weeks, UPST has reached a high of $86.07, while it has fallen to a 52-week low of $20.60. The 50-Day Moving Average of the stock is 40.73%, while the 200-Day Moving Average is calculated to be 108.99%.

Shares Statistics:

According to the various share statistics, UPST traded on average about 7.95M shares per day over the past 3-months and 12889950 shares per day over the past 10 days. A total of 86.33M shares are outstanding, with a floating share count of 78.70M. Insiders hold about 13.74% of the company’s shares, while institutions hold 55.29% stake in the company. Shares short for UPST as of 1730332800 were 22480084 with a Short Ratio of 2.83, compared to 1727654400 on 25205722. Therefore, it implies a Short% of Shares Outstanding of 22480084 and a Short% of Float of 28.199999999999996.

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