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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

Deep dive into Upstart Holdings, Inc.'s business profile, financial performance, AI predictions, and competitive positioning to make informed investment decisions.

Understanding Company Overview

What this section covers: Essential business information about Upstart Holdings, Inc., including sector classification, industry positioning, and organizational structure.

How to interpret: Company size, sector, and employee count provide context for market position and growth potential. Leadership and founding date indicate stability and experience.

For Upstart Holdings, Inc.: Upstart Holdings, Inc. operates in the Finance or Crypto Assets sector, establishing it as a mid-cap growth opportunity.

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.

Understanding Financial Performance

What these metrics mean: Key financial indicators showing Upstart Holdings, Inc.'s revenue scale, profitability, market value, and shareholder returns.

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

For Upstart Holdings, Inc.: With $851M in annual revenue and 8.3% net margin, the company demonstrates solid profitability.

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

Market Capitalization: $4468 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.

Understanding AI Stock Predictions

What these predictions mean: AI-powered forecasts for Upstart Holdings, Inc. stock using machine learning algorithms trained on historical market data and technical indicators.

How to interpret: Positive percentages indicate expected price increases, negative values suggest potential declines. Accuracy scores show historical prediction reliability.

For Upstart Holdings, Inc.: Unlock premium access to view detailed AI predictions and price targets.

🚀 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.

Understanding Market Position

What this analysis covers: Upstart Holdings, Inc.'s competitive positioning, market dynamics, operational efficiency, and strategic advantages within its industry.

How to evaluate: Strong cash flow generation, healthy margins, and market leadership indicate competitive advantages. Growth rates show expansion potential.

For Upstart Holdings, Inc.: Market positioning analysis based on available financial and operational metrics.

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 .

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 6.19x
Market Cap $4468M
EPS $-0.05
Book Value/Share $7.51
Revenue/Share $8.86
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 (% Of Assets)
Total Current Assets 58%
Cash & Short-term Investments 39%
Total Liabilities 56%
Short-term Debt 6%
Accounts Receivable 3%
Inventory 10%
Dividend & Shareholder Information
Shares Outstanding 96M
Growth Metrics (YoY)
EPS Growth 1.0%

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.

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 - 30 Days FREE Trial $224M x 19.8x
AGRI Unlock Forecast - 30 Days FREE Trial $2M -0.3x 0.4x
AMBR Unlock Forecast - 30 Days FREE Trial $73M x 0.4x
ANY Unlock Forecast - 30 Days FREE Trial $24M -1.0x 0.7x
ASST Unlock Forecast - 30 Days FREE Trial $12M -0.5x 4.5x
ATCH Unlock Forecast - 30 Days FREE Trial $2M x -0.1x
AXP Unlock Forecast - 30 Days FREE Trial $224892M 22.2x 7.0x
BCG Unlock Forecast - 30 Days FREE Trial $40M x 2.5x
BMNR Unlock Forecast - 30 Days FREE Trial $105M x 36.5x
BTBT Unlock Forecast - 30 Days FREE Trial $1012M x 1.6x
BTCM Unlock Forecast - 30 Days FREE Trial $4372M x 99.8x
BTCS Unlock Forecast - 30 Days FREE Trial $95M -4561.2x 3.1x
BTCT Unlock Forecast - 30 Days FREE Trial $8M x 0.4x
BTOG Unlock Forecast - 30 Days FREE Trial $35M x 1.0x
BUR Unlock Forecast - 30 Days FREE Trial $2372M -41.7x 1.0x
CBLO Unlock Forecast - 30 Days FREE Trial $43M x x
CHYM Unlock Forecast - 30 Days FREE Trial $0M x 0.0x
CNF Unlock Forecast - 30 Days FREE Trial $7128M x 1.8x
COEP Unlock Forecast - 30 Days FREE Trial $64M x 10.5x
COIN Unlock Forecast - 30 Days FREE Trial $92041M 32.2x 7.6x
COOP Unlock Forecast - 30 Days FREE Trial $13714M 24.1x 2.7x
CPSS Unlock Forecast - 30 Days FREE Trial $177M 9.1x 0.6x
CRCL Unlock Forecast - 30 Days FREE Trial $10483M x 4.4x
CTWO Unlock Forecast - 30 Days FREE Trial $3M x 1.1x
DFDV Unlock Forecast - 30 Days FREE Trial $239M 17.4x 3.0x
EBFI Unlock Forecast - 30 Days FREE Trial $420M x 441.4x
ETHW Unlock Forecast - 30 Days FREE Trial $409M x x
FETH Unlock Forecast - 30 Days FREE Trial $1908M x 1.5x
FLD Unlock Forecast - 30 Days FREE Trial $177M x 2.0x
FUFU Unlock Forecast - 30 Days FREE Trial $591M x 3.0x
GREE Unlock Forecast - 30 Days FREE Trial $27M -0.6x -0.4x
GREEL Unlock Forecast - 30 Days FREE Trial $202M -2.6x -1.9x
HIVE Unlock Forecast - 30 Days FREE Trial $1099M x 2.0x
IREN Unlock Forecast - 30 Days FREE Trial $13803M x 7.6x
LDI Unlock Forecast - 30 Days FREE Trial $543M -4.1x 2.0x
LMFA Unlock Forecast - 30 Days FREE Trial $5M -0.5x 0.2x
MARA Unlock Forecast - 30 Days FREE Trial $7345M 10.8x 1.5x
MBNKO Unlock Forecast - 30 Days FREE Trial $580M 13.9x 1.5x
MFIN Unlock Forecast - 30 Days FREE Trial $229M 5.5x 0.6x
MGLD Unlock Forecast - 30 Days FREE Trial $43M -15.6x 1.9x
MGTE Unlock Forecast - 30 Days FREE Trial $124M x 0.3x
MGTEW Unlock Forecast - 30 Days FREE Trial $10M x 0.0x
MI Unlock Forecast - 30 Days FREE Trial $19M x 0.2x
MIGI Unlock Forecast - 30 Days FREE Trial $34M -0.4x -8.1x
MSTR Unlock Forecast - 30 Days FREE Trial $84595M 17.7x 1.8x
MVCO Unlock Forecast - 30 Days FREE Trial $0M x 0.0x
NAKA Unlock Forecast - 30 Days FREE Trial $5M x 0.6x
NAKAW Unlock Forecast - 30 Days FREE Trial $11M x 1.3x
NCTY Unlock Forecast - 30 Days FREE Trial $14273M x 903.4x
OLKR Unlock Forecast - 30 Days FREE Trial $148M x x
PGY Unlock Forecast - 30 Days FREE Trial $2162M x 5.9x
PGYWW Unlock Forecast - 30 Days FREE Trial $18M x 0.1x
QFIN Unlock Forecast - 30 Days FREE Trial $7244M x 0.3x
RHLD Unlock Forecast - 30 Days FREE Trial $681M x 70.8x
RIOT Unlock Forecast - 30 Days FREE Trial $7101M 44.9x 2.2x
SAIH Unlock Forecast - 30 Days FREE Trial $11M -2.1x 0.0x
SNFCA Unlock Forecast - 30 Days FREE Trial $204M 9.0x 0.6x
STRD Unlock Forecast - 30 Days FREE Trial $23435M 4.9x 0.5x
STRF Unlock Forecast - 30 Days FREE Trial $32722M 6.8x 0.7x
STRK Unlock Forecast - 30 Days FREE Trial $26114M 5.5x 0.6x
SYF Unlock Forecast - 30 Days FREE Trial $26129M 8.0x 1.5x
SYF-PA Unlock Forecast - 30 Days FREE Trial $7495M 2.3x 0.4x
SYF-PB Unlock Forecast - 30 Days FREE Trial $9749M 3.0x 0.6x
TAOX Unlock Forecast - 30 Days FREE Trial $18M x 1.1x
TRLC Unlock Forecast - 30 Days FREE Trial $48M 5.2x x
TRXA Unlock Forecast - 30 Days FREE Trial $14M x x
UPST Unlock Forecast - 30 Days FREE Trial $4468M -29.6x 6.2x
UPXI Unlock Forecast - 30 Days FREE Trial $207M -10.6x 2.3x
VEL Unlock Forecast - 30 Days FREE Trial $691M 8.5x 1.2x
VMNT Unlock Forecast - 30 Days FREE Trial $20M x x
WD Unlock Forecast - 30 Days FREE Trial $2711M 24.6x 1.6x
WINSF Unlock Forecast - 30 Days FREE Trial $14M x 0.1x

Frequently Asked Questions - Upstart Holdings, Inc. Stock Forecast

How accurate are Upstart Holdings, Inc. stock predictions?

Our AI model demonstrates 47% 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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