Upstart Holdings, Inc. () Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Why is Upstart Holdings, Inc. ?

The company has declared Positive results for the last 7 consecutive quarters

NET PROFIT(HY) At USD 16.91 MM has Grown at 1,542.59%
ROCE(HY) Highest at 7.01%
NET SALES(Q) Highest at USD 308.21 MM

With ROE of 6.42%, it has a fair valuation with a 3.04 Price to Book Value

Over the past year, while the stock has generated a return of -45.11%, its profits have risen by 132.5% ; the PEG ratio of the company is 0.4

High Institutional Holdings at 87.54%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 7.35% over the previous quarter.

Underperformed the market in the last 1 year

Even though the market (S&P 500) has generated returns of 25.41% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -45.11% returns

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Upstart Holdings, Inc. should be less than 10%
Overall Portfolio exposure to Computers - Software & Consulting should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Computers - Software & Consulting)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Upstart Holdings, Inc. for you?

High Risk, High Return

Absolute

Risk Adjusted

Volatility

Upstart Holdings, Inc.

-45.11%

0.49

73.23%

S&P 500

25.41%

1.92

13.25%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

34.93%

EBIT Growth (5y)

29.36%

EBIT to Interest (avg)

-79.59

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

0.86

Sales to Capital Employed (avg)

0.33

Tax Ratio

0.30%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

87.54%

ROCE (avg)

22.91%

ROE (avg)

4.82%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

3.04

EV to EBIT

76.43

EV to EBITDA

48.29

EV to Capital Employed

2.00

EV to Sales

3.12

PEG Ratio

0.36

Dividend Yield

ROCE (Latest)

2.62%

ROE (Latest)

6.42%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bullish

Bearish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Moving Averages

Mildly Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

Mildly Bullish

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

20What is working for the Company

NET PROFIT(HY)

At USD 16.91 MM has Grown at 1,542.59%

ROCE(HY)

Highest at 7.01%

NET SALES(Q)

Highest at USD 308.21 MM

RAW MATERIAL COST(Y)

Fallen by -1.15% (YoY

-13What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD -267.54 MM

OPERATING PROFIT(Q)

Lowest at USD -1.66 MM

OPERATING PROFIT MARGIN(Q)

Lowest at -0.54 %

PRE-TAX PROFIT(Q)

Lowest at USD -6.56 MM

NET PROFIT(Q)

Lowest at USD -6.65 MM

EPS(Q)

Lowest at USD -0.07

Here's what is working for Upstart Holdings, Inc.

Net Sales

Highest at USD 308.21 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

Net Sales

At USD 308.21 MM has Grown at 18.11%

over average net sales of the previous four periods of USD 260.96 MM

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Raw Material Cost

Fallen by -1.15% (YoY)

MOJO Watch

The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin

Raw Material Cost as a percentage of Sales

Here's what is not working for Upstart Holdings, Inc.

Pre-Tax Profit

At USD -6.56 MM has Fallen at -150.34%

over average net sales of the previous four periods of USD 13.03 MM

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit

At USD -6.65 MM has Fallen at -151.82%

over average net sales of the previous four periods of USD 12.83 MM

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (USD MM)

Operating Cash Flow

Lowest at USD -267.54 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Operating Profit

Lowest at USD -1.66 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (USD MM)

Operating Profit Margin

Lowest at -0.54 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at USD -6.56 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD -6.65 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD -0.07

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)