UPSTART HOLDINGS INC (UPST)
US91680M1071 - Common Stock
Taking everything into account, UPST scores 3 out of 10 in our fundamental rating. UPST was compared to 51 industry peers in the Consumer Finance industry. UPST scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. UPST is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
UPST had negative earnings in the past year.
In the past year UPST had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: UPST reported negative net income in multiple years.
In multiple years UPST reported negative operating cash flow during the last 5 years.
1.2 Ratios
UPST has a Return On Assets of -9.30%. This is amonst the worse of the industry: UPST underperforms 88.24% of its industry peers.
With a Return On Equity value of -28.25%, UPST is not doing good in the industry: 84.31% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -9.3% | ||
| ROE | -28.25% | ||
| ROIC | N/A |
ROA(3y)-3.36%
ROA(5y)-1.79%
ROE(3y)-12.4%
ROE(5y)-7.14%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
UPST's Gross Margin of 72.48% is fine compared to the rest of the industry. UPST outperforms 68.63% of its industry peers.
UPST's Gross Margin has declined in the last couple of years.
The Profit Margin and Operating Margin are not available for UPST so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 72.48% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-5.41%
GM growth 5Y-3.06%
2. Health
2.1 Basic Checks
UPST does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, UPST has more shares outstanding
Compared to 5 years ago, UPST has more shares outstanding
The debt/assets ratio for UPST is higher compared to a year ago.
2.2 Solvency
UPST has an Altman-Z score of 2.80. This is not the best score and indicates that UPST is in the grey zone with still only limited risk for bankruptcy at the moment.
UPST's Altman-Z score of 2.80 is amongst the best of the industry. UPST outperforms 86.27% of its industry peers.
The Debt to FCF ratio of UPST is 6.11, which is on the high side as it means it would take UPST, 6.11 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 6.11, UPST perfoms like the industry average, outperforming 54.90% of the companies in the same industry.
A Debt/Equity ratio of 1.49 is on the high side and indicates that UPST has dependencies on debt financing.
With a Debt to Equity ratio value of 1.49, UPST perfoms like the industry average, outperforming 50.98% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.49 | ||
| Debt/FCF | 6.11 | ||
| Altman-Z | 2.8 |
ROIC/WACCN/A
WACC8.2%
2.3 Liquidity
A Current Ratio of 1.62 indicates that UPST should not have too much problems paying its short term obligations.
UPST has a Current ratio of 1.62. This is in the better half of the industry: UPST outperforms 64.71% of its industry peers.
UPST has a Quick Ratio of 1.62. This is a normal value and indicates that UPST is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 1.62, UPST is in the better half of the industry, outperforming 64.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.62 | ||
| Quick Ratio | 1.62 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 8.45% over the past year.
Looking at the last year, UPST shows a decrease in Revenue. The Revenue has decreased by -0.95% in the last year.
The Revenue has been growing by 42.14% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)8.45%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-20%
Revenue 1Y (TTM)-0.95%
Revenue growth 3Y30.97%
Revenue growth 5Y42.14%
Sales Q2Q%24.55%
3.2 Future
The Earnings Per Share is expected to grow by 50.15% on average over the next years. This is a very strong growth
Based on estimates for the next years, UPST will show a quite strong growth in Revenue. The Revenue will grow by 19.58% on average per year.
EPS Next Y-21.51%
EPS Next 2Y57.16%
EPS Next 3Y50.15%
EPS Next 5YN/A
Revenue Next Year10.78%
Revenue Next 2Y20.61%
Revenue Next 3Y19.58%
Revenue Next 5YN/A
3.3 Evolution
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
UPST reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
The Price/Forward Earnings ratio is 255.18, which means the current valuation is very expensive for UPST.
Based on the Price/Forward Earnings ratio, UPST is valued a bit more expensive than the industry average as 76.47% of the companies are valued more cheaply.
UPST is valuated expensively when we compare the Price/Forward Earnings ratio to 23.40, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 255.18 |
4.2 Price Multiples
66.67% of the companies in the same industry are cheaper than UPST, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 42.81 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
UPST's earnings are expected to grow with 50.15% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y57.16%
EPS Next 3Y50.15%
5. Dividend
5.1 Amount
UPST does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
UPSTART HOLDINGS INC
NASDAQ:UPST (11/15/2024, 8:00:01 PM)
After market: 68.45 +0.09 (+0.13%)68.36
+0.97 (+1.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap6.22B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 255.18 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -9.3% | ||
| ROE | -28.25% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 72.48% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.31
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.49 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 1.62 | ||
| Quick Ratio | 1.62 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)8.45%
EPS 3YN/A
EPS 5Y
EPS Q2Q%
EPS Next Y-21.51%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-0.95%
Revenue growth 3Y30.97%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y