Upstart Holdings, Inc.

Is Upstart Holdings, Inc. technically bullish or bearish?

As of October 10, 2025, the trend has shifted to mildly bearish due to bearish signals from the weekly MACD and Bollinger Bands, despite a mildly bullish daily moving average.

As of 10 October 2025, the technical trend has changed from mildly bullish to mildly bearish. The current stance is mildly bearish, driven by the weekly MACD and Bollinger Bands both indicating bearish signals, alongside a mildly bearish KST and Dow Theory. The daily moving averages show a mildly bullish trend, but this is overshadowed by the overall bearish indicators on the weekly timeframe. There is no available return data for comparison with the S&P 500.

Is Upstart Holdings, Inc. overvalued or undervalued?

As of February 14, 2023, Upstart Holdings, Inc. is considered risky and overvalued due to its high Price to Book Value of 7.64, negative EV to EBIT and EV to EBITDA ratios, and a Return on Capital Employed of -8.72%, despite outperforming the S&P 500 with a 77.63% return over the past year.

As of 14 February 2023, the valuation grade for Upstart Holdings, Inc. has moved from expensive to risky, indicating a shift in perception regarding its financial health. The company appears to be overvalued, given its high Price to Book Value of 7.64 and negative EV to EBIT and EV to EBITDA ratios of -52.35 and -64.95, respectively. Additionally, the Return on Capital Employed (ROCE) stands at -8.72%, further highlighting the challenges the company faces.<BR><BR>In comparison to its peers, Upstart's valuation ratios are concerning; for instance, MakeMyTrip Ltd. has a P/E ratio of 95.54, while XP, Inc. boasts a very attractive P/E of 11.30. The stark contrast in performance metrics suggests that Upstart is not performing favorably against its competitors. Notably, Upstart has outperformed the S&P 500 in the past year with a return of 77.63% compared to the index's 17.14%, but this strong performance does not mitigate the concerns regarding its valuation.

How big is Upstart Holdings, Inc.?

As of Jun 18, Upstart Holdings, Inc. has a market capitalization of $5.08 billion, with net sales of $722.10 million and a net profit of -$66.43 million over the last four quarters. Shareholder's funds are reported at $633.22 million, and total assets amount to $2.37 billion.

As of Jun 18, Upstart Holdings, Inc. has a market capitalization of 5,080.74 million, classifying it as a Small Cap company.<BR><BR>As of Jun 18, the sum of net sales for the latest four quarters is 722.10 million, while the sum of net profit for the same period is -66.43 million.<BR><BR>As of Dec 24, the shareholder's funds are reported at 633.22 million, and the total assets amount to 2,366.96 million.

What does Upstart Holdings, Inc. do?

Upstart Holdings, Inc. is a small-cap company in the Computers - Software & Consulting industry, reporting net sales of $213 million and a net profit loss of $2 million as of March 2025. Key metrics include a market cap of $5.08 billion, a debt-to-equity ratio of 0.86, and a return on equity of -14.15%.

Overview: <BR>Upstart Holdings, Inc. operates in the Computers - Software & Consulting industry and is categorized as a small-cap company.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 213 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: -2 Million (Quarterly Results - Mar 2025) <BR>Market-cap: USD 5,080.74 Million (Small Cap)<BR><BR>Key Metrics: <BR>P/E: NA (Loss Making) <BR>Industry P/E: NA <BR>Dividend Yield: 0.00% <BR>Debt Equity: 0.86 <BR>Return on Equity: -14.15% <BR>Price to Book: 7.51<BR><BR>Contact Details: <BR>Registrar Address: Not available.

Should I buy, sell or hold Upstart Holdings, Inc.?