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

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Upstart Holdings, Inc.

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Why is Upstart Holdings, Inc. ?

With a growth in Operating Profit of 188.77%, the company declared Very Positive results in Jun 25

The company has declared positive results for the last 3 consecutive quarters
OPERATING CASH FLOW(Y) Highest at USD -65.24 MM
ROCE(HY) Highest at -0.96%
OPERATING PROFIT(Q) Highest at USD 10.38 MM

High Institutional Holdings at 71.04%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Real-Time Research Report

Verdict Report

How much should you buy?

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.

-35.24%

0.87

86.33%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

34.51%

EBIT Growth (5y)

-249.04%

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

71.04%

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

NA (Loss Making)

Industry P/E

Price to Book Value

7.64

EV to EBIT

-52.35

EV to EBITDA

-64.95

EV to Capital Employed

4.57

EV to Sales

7.97

PEG Ratio

Dividend Yield

ROCE (Latest)

-8.72%

ROE (Latest)

-14.15%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bearish

OBV

No Trend

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

36What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD -65.24 MM

ROCE(HY)

Highest at -0.96%

OPERATING PROFIT(Q)

Highest at USD 10.38 MM

OPERATING PROFIT MARGIN(Q)

Highest at 4.04 %

RAW MATERIAL COST(Y)

Fallen by -1.59% (YoY

NET SALES(Q)

Highest at USD 257.29 MM

PRE-TAX PROFIT(Q)

Highest at USD 5.66 MM

NET PROFIT(Q)

Highest at USD 5.61 MM

EPS(Q)

Highest at USD 0.05

0What is not working for the Company

NO KEY NEGATIVE TRIGGERS

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

Operating Cash Flow

Highest at USD -65.24 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Net Sales

At USD 257.29 MM has Grown at 42.52%

over average net sales of the previous four periods of USD 180.53 MM

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

Operating Profit

Highest at USD 10.38 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Operating Profit trend is quite positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 4.04 % and Grown

In each period in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

At USD 5.66 MM has Grown at 123.67%

over average net sales of the previous four periods of USD -23.89 MM

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 5.61 MM has Grown at 123.42%

over average net sales of the previous four periods of USD -23.94 MM

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

Net Sales

Highest at USD 257.29 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Pre-Tax Profit

Highest at USD 5.66 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 5.61 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.05

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Raw Material Cost

Fallen by -1.59% (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.

Non Operating Income

Highest at USD 0.2 MM

in the last five periods

MOJO Watch

Increased income from non business activities may not be sustainable

Non Operating income