Upstart Holdings, Inc. (UPST) is a Financial - Credit Services company in the Financial Services sector, currently trading at $29.53. It has a SharesGrow Score of 55/100, indicating a above average investment profile with 2 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of UPST = $-11.50 (-139% from the current price, the stock appears overvalued). Analyst consensus target is UPST = $45 (+53% upside).
Valuation: UPST trades at a trailing Price-to-Earnings (P/E) of 48.6 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 1.04.
Financials: revenue is $1.1B, +18.5%/yr average growth. Net income is $54M, growing at +22.4%/yr. Net profit margin is 5% (thin). Gross margin is 95.2% (-4.8 pp trend).
Balance sheet: total debt is $1.9B against $799M equity (Debt-to-Equity (D/E) ratio 2.32, leveraged). Current ratio is 2.99 (strong liquidity). Debt-to-assets is 62.2%. Total assets: $3.0B.
Analyst outlook: 10 / 22 analysts rate UPST as buy (45%) — mixed sentiment.
SharesGrow 7-Criteria breakdown: Value 76/100 (Pass), Growth 90/100 (Pass), Past 25/100 (Fail), Health 33/100 (Fail), Moat 65/100 (Partial), Future 52/100 (Partial), Income 45/100 (Partial).
