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Upstart Holdings, Inc. (UPST) Stock Forecast 2025 - AI Price Prediction & Analysis


Upstart Holdings, Inc. (UPST) AI Stock Price Forecast & Investment Analysis

Upstart Holdings, Inc. Stock Price Chart and Technical Analysis

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Upstart Holdings, Inc. (UPST) - Comprehensive Stock Analysis & Investment Research

Company Overview & Business Profile

Upstart Holdings, Inc. (Stock Symbol: UPST) is a leading company in the Finance or Crypto Assets sector , specifically operating within the Finance Services industry. The organization employs approximately 1918 professionals worldwide . The company has established itself as a growing mid-cap opportunity with strong fundamentals.

Financial Performance & Key Metrics Analysis

Annual Revenue: $851 million generating a 8.3% net profit margin .

Market Capitalization: $6903 million - Classified as a mid-cap growth stock with balanced risk-reward profile.

Return on Equity (ROE): 26.4% - Exceptional shareholder return efficiency, indicating strong management effectiveness.

Advanced AI Stock Prediction & Price Target Analysis

🚀 Unlock Premium AI Predictions to access our advanced machine learning forecasts for Upstart Holdings, Inc. stock, including 7-day, 30-day, and 90-day price targets with confidence intervals and risk assessments.

Market Position & Competitive Advantage Analysis

Upstart Holdings, Inc. strategically competes in the highly dynamic Finance Services marketplace, establishing itself as a promising mid-cap growth opportunity with strong fundamentals and expanding market share . , complemented by impressive -50.3% year-over-year cash flow growth The company maintains a healthy 100.0% gross margin, indicating strong pricing power and operational efficiency.

Upstart Holdings, Inc. (UPST) Fundamental Analysis & Insider Trading Data (Quarterly Financial Reports)

Comprehensive quarterly financial data, earnings trends, insider transactions, and institutional holdings for Upstart Holdings, Inc. stock analysis.

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Deep dive into Upstart Holdings, Inc.'s financial health, valuation metrics, and operational efficiency to make informed investment decisions.

Understanding Valuation Metrics

What these metrics mean: Valuation metrics help determine if Upstart Holdings, Inc. stock is fairly priced compared to its earnings, assets, and market position.

How to read them: Lower P/E ratios may indicate undervalued stocks, while higher ratios suggest growth expectations. P/B ratio compares market value to book value.

For Upstart Holdings, Inc.: With a P/E ratio of -29.61, the market sees the stock as potentially undervalued.

P/E Ratio -29.61x
P/B Ratio 9.56x
Market Cap $6903M
EPS $-0.05
Book Value/Share $7.00
Revenue/Share $8.26
FCF/Share $-0.71
Understanding Profitability Metrics

What these metrics mean: These ratios measure how efficiently Upstart Holdings, Inc. converts revenue into profit and generates returns for shareholders.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For Upstart Holdings, Inc.: An ROE of 26.4% demonstrates excellent shareholder value creation.

ROE 26.4%
ROA 12.8%
ROIC 56.9%
Gross Margin 100.0%
Operating Margin 12.8%
Net Margin 8.3%
EBT Margin 15.1%
Tax Rate 6.2%
Understanding Financial Health Metrics

What these metrics mean: These ratios assess Upstart Holdings, Inc.'s ability to meet short-term obligations and manage debt levels effectively.

How to read them: Current ratio >2 is generally good, Quick ratio >1 shows strong liquidity. Lower D/E ratios indicate conservative debt management.

For Upstart Holdings, Inc.: A current ratio of 1.86 shows adequate liquidity.

Current Ratio 1.86x
Quick Ratio 1.45x
D/E Ratio 0.85x
Financial Leverage 2.27x
Interest Coverage 6.4x
Understanding Cash Flow Metrics

What these metrics mean: Cash flow metrics reveal Upstart Holdings, Inc.'s ability to generate cash from operations and fund growth initiatives.

How to read them: Positive operating cash flow is crucial. Free cash flow shows money available for dividends, buybacks, or investments.

For Upstart Holdings, Inc.: Free cash flow of $-161M indicates cash challenges that need attention.

Operating Cash Flow $-142M
Free Cash Flow $-161M
Capital Spending $-20M
OCF Growth YoY -50.3%
FCF Growth YoY -61.6%
FCF/Sales -15.6%
CapEx/Sales 1.9%
Understanding Operational Efficiency Metrics

What these metrics mean: These ratios measure how effectively Upstart Holdings, Inc. uses its assets and manages working capital.

How to read them: Higher turnover ratios indicate efficient asset utilization. Shorter collection periods show effective credit management.

For Upstart Holdings, Inc.: An asset turnover of 0.84x suggests room for improvement in asset utilization.

Asset Turnover 0.84x
Receivables Turnover 16.9x
Inventory Turnover 5.9x
Fixed Assets Turnover 13.8x
Days Sales Outstanding 22 days
Days Inventory 62 days
Payables Period 43 days
Cash Conversion Cycle 41 days
Understanding Financial Statement Data

What these metrics mean: Key figures from Upstart Holdings, Inc.'s income statement and balance sheet showing absolute financial performance.

How to read them: Revenue shows business scale, while margins indicate profitability. Balance sheet items reveal financial structure.

For Upstart Holdings, Inc.: With annual revenue of $851M, Upstart Holdings, Inc. demonstrates solid business size.

Income Statement ($ Millions)
Total Revenue $851M
Operating Income $62M
Net Income $40M
R&D Expense $76M
SG&A Expense $69M
Cost of Goods Sold $-186M
Balance Sheet Highlights ($ Millions)
Total Current Assets $58M
Cash & Short-term Investments $39M
Total Liabilities $56M
Short-term Debt $6M
Accounts Receivable $3M
Inventory $10M
Dividend & Shareholder Information
Shares Outstanding 103M
Growth Metrics (YoY)
EPS Growth 0.7%

Latest Upstart Holdings, Inc. Stock News & Market Analysis

Breaking news, analyst reports, and market updates affecting Upstart Holdings, Inc. (UPST) stock price and investment outlook.

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Upstart Holdings, Inc. Competitors & Peer Analysis - Finance or Crypto Assets Sector

Comparative analysis of Upstart Holdings, Inc. against industry peers and competitors in the Finance or Crypto Assets sector, featuring AI-powered forecasts and key financial metrics.

Company Ticker Symbol 90-Day AI Forecast Market Cap (USD M) P/E Ratio P/B Ratio
ABTS Unlock Forecast $124M x 11.0x
AGRI Unlock Forecast $1M -0.3x 0.3x
AMBR Unlock Forecast $153M x 0.9x
ANY Unlock Forecast $18M -1.0x 0.6x
ASST Unlock Forecast $65M -0.5x 24.3x
ATCH Unlock Forecast $1M x -0.1x
AXP Unlock Forecast $228680M 22.5x 7.1x
BCG Unlock Forecast $33M x 3.4x
BCGWW Unlock Forecast $0M x 0.1x
BEGI Unlock Forecast $1M x x
BENF Unlock Forecast $53M x -0.5x
BENFW Unlock Forecast $1M x 0.0x
BKKT Unlock Forecast $0M -2.7x 0.0x
BMNR Unlock Forecast $92M x 31.9x
BTBT Unlock Forecast $713M x 1.1x
BTCM Unlock Forecast $2922M x 63.7x
BTCS Unlock Forecast $92M -4561.2x 3.0x
BTCT Unlock Forecast $8M x 0.4x
BTM Unlock Forecast $0M -1.6x 0.0x
BTMWW Unlock Forecast $0M x 0.0x
BTOG Unlock Forecast $30M x 0.9x
BUR Unlock Forecast $3852M -41.7x 1.5x
CBLO Unlock Forecast $37M x x
CHYM Unlock Forecast $2347M x 1.6x
CIFR Unlock Forecast $2361M -121.5x 3.2x
CIFRW Unlock Forecast $309M x 0.5x
CLSK Unlock Forecast $3613M 768.6x 1.9x
CLSKW Unlock Forecast $131M x 0.1x
CMPO Unlock Forecast $0M 29.2x 0.0x
CMPOW Unlock Forecast $0M x 0.0x
CNF Unlock Forecast $7008M x 1.8x
COEP Unlock Forecast $59M x 9.7x
COIN Unlock Forecast $83351M 29.1x 6.9x
COOP Unlock Forecast $13865M 24.3x 2.7x
CORZ Unlock Forecast $4029M -1.3x -22.2x
CORZW Unlock Forecast $1946M x -2.7x
CORZZ Unlock Forecast $3481M x -4.8x
CPSS Unlock Forecast $188M 9.7x 0.6x
CRCL Unlock Forecast $9494M x 4.0x
DAVE Unlock Forecast $0M 40.2x 0.0x
DAVEW Unlock Forecast $0M x 0.0x
EBFI Unlock Forecast $431M x 517.9x
ETHW Unlock Forecast $463M x x
EXOD Unlock Forecast $M x x
FETH Unlock Forecast $2163M x 1.8x
FGF Unlock Forecast $37M 6.2x 0.5x
FGFPP Unlock Forecast $36M 4.5x 0.5x
FLD Unlock Forecast $152M x 1.7x
FLDDU Unlock Forecast $0M x 0.0x
FLDDW Unlock Forecast $0M x 0.0x
FUFU Unlock Forecast $616M x 3.1x
GDOT Unlock Forecast $581M -146.6x 0.6x
GHI Unlock Forecast $0M 11.0x 0.0x
GREE Unlock Forecast $18M -0.6x -0.4x
GREEL Unlock Forecast $135M -2.6x -1.9x
GRYP Unlock Forecast $114M 0.0x -1.3x
HIVE Unlock Forecast $513M x 0.9x
HUT Unlock Forecast $2253M x 2.4x
IREN Unlock Forecast $5838M x 3.2x
LDI Unlock Forecast $996M -4.1x 3.7x
LMFA Unlock Forecast $5M -0.5x 0.2x
MARA Unlock Forecast $6633M 9.8x 1.4x
MBNKO Unlock Forecast $833M 19.9x 2.1x
MBNKP Unlock Forecast $591M 14.9x 1.6x
MDBH Unlock Forecast $0M x 0.0x
MFIN Unlock Forecast $351M 8.4x 0.9x
MGLD Unlock Forecast $45M -15.6x 1.8x
MGTE Unlock Forecast $179M x 0.4x
MGTEW Unlock Forecast $12M x 0.0x
MIGI Unlock Forecast $6M -0.4x -8.1x
ML Unlock Forecast $147M 354.3x 0.5x
MSTR Unlock Forecast $106204M 22.2x 2.2x
MVCO Unlock Forecast $M x x
NCPL Unlock Forecast $1M -0.4x 0.0x
NCPLW Unlock Forecast $0M x 0.0x
NCTY Unlock Forecast $M x x
OLKR Unlock Forecast $99M x x
OPFI Unlock Forecast $93M 21.2x 2.7x
OPRT Unlock Forecast $231M -2.1x 0.6x
PAPL Unlock Forecast $3M x 3.5x
PAPLF Unlock Forecast $98M x 116.9x
PGY Unlock Forecast $4313M x 11.8x
PGYWW Unlock Forecast $27M x 0.1x
PWP Unlock Forecast $0M -9.0x 0.0x
QFIN Unlock Forecast $8751M x 0.4x
RHLD Unlock Forecast $243M x 25.3x
RIOT Unlock Forecast $4827M 44.9x 1.5x
SAIH Unlock Forecast $-93M -2.1x 0.0x
SAIHW Unlock Forecast $0M x 0.0x
SDIG Unlock Forecast $74M -0.6x 3.8x
SHFS Unlock Forecast $10M 5.0x -0.6x
SHFSW Unlock Forecast $0M x 0.0x
SLNH Unlock Forecast $9M -0.2x -0.5x
SLNHP Unlock Forecast $61M -0.8x -3.8x
SNFCA Unlock Forecast $216M 9.5x 0.6x
SOFI Unlock Forecast $23389M -103.2x 1.4x
SOS Unlock Forecast $439M x 1.0x
STRD Unlock Forecast $25062M 5.2x 0.5x
STRF Unlock Forecast $35007M 7.3x 0.7x
STRK Unlock Forecast $29818M 6.2x 0.6x
SYF Unlock Forecast $29049M 8.8x 1.7x
SYF-PA Unlock Forecast $7538M 2.3x 0.5x
SYF-PB Unlock Forecast $9932M 3.0x 0.6x
TAOX Unlock Forecast $16M x 0.9x
TRLC Unlock Forecast $47M 5.1x x
TRXA Unlock Forecast $16M x x
UPST Unlock Forecast $6903M -29.6x 9.6x
VEL Unlock Forecast $737M 9.1x 1.2x
VMNT Unlock Forecast $19M x x
WD Unlock Forecast $2943M 26.7x 1.7x
WINSF Unlock Forecast $14M x 0.1x
WULF Unlock Forecast $2094M -31.5x 12.3x

Frequently Asked Questions - Upstart Holdings, Inc. Stock Forecast

How accurate are Upstart Holdings, Inc. stock predictions?

Our AI model demonstrates 65% historical accuracy for UPST predictions, based on advanced machine learning algorithms trained on over 10 years of market data.

What factors influence Upstart Holdings, Inc. stock price forecasts?

Our analysis considers Upstart Holdings, Inc.'s financial metrics, Finance or Crypto Assets sector trends, market sentiment, technical indicators, earnings data, and macroeconomic factors affecting stock performance.

Is Upstart Holdings, Inc. a good investment in 2025?

Based on our AI analysis, Upstart Holdings, Inc. shows potential for various market scenarios. Consider your risk tolerance, investment timeline, and portfolio diversification before making investment decisions.

How often are Upstart Holdings, Inc. forecasts updated?

Upstart Holdings, Inc. stock forecasts are updated daily using real-time market data, ensuring you receive the most current AI-powered predictions and investment insights.

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