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UPST Quote, Financials, Valuation and Earnings

Last price:
$72.07
Seasonality move :
33.95%
Day range:
$67.49 - $69.48
52-week range:
$20.60 - $88.95
Dividend yield:
0%
P/E ratio:
--
P/S ratio:
10.89x
P/B ratio:
10.49x
Volume:
2.1M
Avg. volume:
7M
1-year change:
55.14%
Market cap:
$6.3B
Revenue:
$508.1M
EPS (TTM):
-$1.93

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
UPST
Upstart Holdings
$150.2M -$0.15 34.99% -92.52% $22.50
EZPW
EZCORP
$290.3M $0.26 7.79% 3.7% --
FCFS
FirstCash Holdings
$844M $1.62 5.62% 32.29% --
LC
LendingClub
$190.4M $0.08 11.24% 4.98% $18.15
OMCC
Old Market Capital
-- -- -- -- --
SOFI
SoFi Technologies
$633.8M $0.04 12.79% 66.65% $11.37
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
UPST
Upstart Holdings
$68.51 $22.50 $6.3B -- $0.00 0% 10.89x
EZPW
EZCORP
$11.88 -- $647M 10.70x $0.00 0% 0.86x
FCFS
FirstCash Holdings
$103.25 -- $4.6B 19.12x $0.38 1.41% 1.39x
LC
LendingClub
$16.66 $18.15 $1.9B 36.22x $0.00 0% 2.46x
OMCC
Old Market Capital
$5.95 -- $39.6M -- $0.00 0% --
SOFI
SoFi Technologies
$16.02 $11.37 $17.4B 160.20x $0.00 0% 6.74x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
UPST
Upstart Holdings
59.84% 3.664 24.37% 1.28x
EZPW
EZCORP
28.92% 1.402 53.53% 1.95x
FCFS
FirstCash Holdings
46.4% 1.316 33.69% 2.67x
LC
LendingClub
0.2% 1.203 0.21% 44.02x
OMCC
Old Market Capital
-- 0.454 -- 16.19x
SOFI
SoFi Technologies
34.19% 1.846 37.33% 7.89x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
UPST
Upstart Holdings
-- -- -10.61% -27.32% 2.53% $176.8M
EZPW
EZCORP
$175.4M $26.2M 7.29% 10.58% 10% $24.4M
FCFS
FirstCash Holdings
$404.6M $112.8M 6.77% 12.32% 13.45% $99.7M
LC
LendingClub
-- -- 3.88% 4.07% 58.52% -$682.3M
OMCC
Old Market Capital
-- -- -25.56% -25.87% -25.95% -$3.7M
SOFI
SoFi Technologies
-- -- 2.15% 3.68% 51.34% -$1.2B

Upstart Holdings vs. Competitors

  • Which has Higher Returns UPST or EZPW?

    EZCORP has a net margin of -4.17% compared to Upstart Holdings's net margin of 5.16%. Upstart Holdings's return on equity of -27.32% beat EZCORP's return on equity of 10.58%.

    Company Gross Margin Earnings Per Share Invested Capital
    UPST
    Upstart Holdings
    -- -$0.07 $1.5B
    EZPW
    EZCORP
    59.54% $0.21 $1.1B
  • What do Analysts Say About UPST or EZPW?

    Upstart Holdings has a consensus price target of $22.50, signalling downside risk potential of -10.23%. On the other hand EZCORP has an analysts' consensus of -- which suggests that it could grow by 33.28%. Given that EZCORP has higher upside potential than Upstart Holdings, analysts believe EZCORP is more attractive than Upstart Holdings.

    Company Buy Ratings Hold Ratings Sell Ratings
    UPST
    Upstart Holdings
    1 8 4
    EZPW
    EZCORP
    0 0 0
  • Is UPST or EZPW More Risky?

    Upstart Holdings has a beta of 0.000, which suggesting that the stock is 100% less volatile than S&P 500. In comparison EZCORP has a beta of 1.050, suggesting its more volatile than the S&P 500 by 5.01%.

  • Which is a Better Dividend Stock UPST or EZPW?

    Upstart Holdings has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. EZCORP offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Upstart Holdings pays -- of its earnings as a dividend. EZCORP pays out -- of its earnings as a dividend.

  • Which has Better Financial Ratios UPST or EZPW?

    Upstart Holdings quarterly revenues are $162.1M, which are smaller than EZCORP quarterly revenues of $294.6M. Upstart Holdings's net income of -$6.8M is lower than EZCORP's net income of $15.2M. Notably, Upstart Holdings's price-to-earnings ratio is -- while EZCORP's PE ratio is 10.70x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Upstart Holdings is 10.89x versus 0.86x for EZCORP. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UPST
    Upstart Holdings
    10.89x -- $162.1M -$6.8M
    EZPW
    EZCORP
    0.86x 10.70x $294.6M $15.2M
  • Which has Higher Returns UPST or FCFS?

    FirstCash Holdings has a net margin of -4.17% compared to Upstart Holdings's net margin of 7.74%. Upstart Holdings's return on equity of -27.32% beat FirstCash Holdings's return on equity of 12.32%.

    Company Gross Margin Earnings Per Share Invested Capital
    UPST
    Upstart Holdings
    -- -$0.07 $1.5B
    FCFS
    FirstCash Holdings
    48.32% $1.44 $3.7B
  • What do Analysts Say About UPST or FCFS?

    Upstart Holdings has a consensus price target of $22.50, signalling downside risk potential of -10.23%. On the other hand FirstCash Holdings has an analysts' consensus of -- which suggests that it could grow by 30.94%. Given that FirstCash Holdings has higher upside potential than Upstart Holdings, analysts believe FirstCash Holdings is more attractive than Upstart Holdings.

    Company Buy Ratings Hold Ratings Sell Ratings
    UPST
    Upstart Holdings
    1 8 4
    FCFS
    FirstCash Holdings
    0 0 0
  • Is UPST or FCFS More Risky?

    Upstart Holdings has a beta of 0.000, which suggesting that the stock is 100% less volatile than S&P 500. In comparison FirstCash Holdings has a beta of 0.652, suggesting its less volatile than the S&P 500 by 34.832%.

  • Which is a Better Dividend Stock UPST or FCFS?

    Upstart Holdings has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. FirstCash Holdings offers a yield of 1.41% to investors and pays a quarterly dividend of $0.38 per share. Upstart Holdings pays -- of its earnings as a dividend. FirstCash Holdings pays out 28.22% of its earnings as a dividend. FirstCash Holdings's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UPST or FCFS?

    Upstart Holdings quarterly revenues are $162.1M, which are smaller than FirstCash Holdings quarterly revenues of $837.3M. Upstart Holdings's net income of -$6.8M is lower than FirstCash Holdings's net income of $64.8M. Notably, Upstart Holdings's price-to-earnings ratio is -- while FirstCash Holdings's PE ratio is 19.12x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Upstart Holdings is 10.89x versus 1.39x for FirstCash Holdings. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UPST
    Upstart Holdings
    10.89x -- $162.1M -$6.8M
    FCFS
    FirstCash Holdings
    1.39x 19.12x $837.3M $64.8M
  • Which has Higher Returns UPST or LC?

    LendingClub has a net margin of -4.17% compared to Upstart Holdings's net margin of 7.16%. Upstart Holdings's return on equity of -27.32% beat LendingClub's return on equity of 4.07%.

    Company Gross Margin Earnings Per Share Invested Capital
    UPST
    Upstart Holdings
    -- -$0.07 $1.5B
    LC
    LendingClub
    -- $0.13 $1.3B
  • What do Analysts Say About UPST or LC?

    Upstart Holdings has a consensus price target of $22.50, signalling downside risk potential of -10.23%. On the other hand LendingClub has an analysts' consensus of $18.15 which suggests that it could grow by 8.94%. Given that LendingClub has higher upside potential than Upstart Holdings, analysts believe LendingClub is more attractive than Upstart Holdings.

    Company Buy Ratings Hold Ratings Sell Ratings
    UPST
    Upstart Holdings
    1 8 4
    LC
    LendingClub
    5 2 0
  • Is UPST or LC More Risky?

    Upstart Holdings has a beta of 0.000, which suggesting that the stock is 100% less volatile than S&P 500. In comparison LendingClub has a beta of 2.020, suggesting its more volatile than the S&P 500 by 102.004%.

  • Which is a Better Dividend Stock UPST or LC?

    Upstart Holdings has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. LendingClub offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Upstart Holdings pays -- of its earnings as a dividend. LendingClub pays out -- of its earnings as a dividend.

  • Which has Better Financial Ratios UPST or LC?

    Upstart Holdings quarterly revenues are $162.1M, which are smaller than LendingClub quarterly revenues of $201.9M. Upstart Holdings's net income of -$6.8M is lower than LendingClub's net income of $14.5M. Notably, Upstart Holdings's price-to-earnings ratio is -- while LendingClub's PE ratio is 36.22x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Upstart Holdings is 10.89x versus 2.46x for LendingClub. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UPST
    Upstart Holdings
    10.89x -- $162.1M -$6.8M
    LC
    LendingClub
    2.46x 36.22x $201.9M $14.5M
  • Which has Higher Returns UPST or OMCC?

    Old Market Capital has a net margin of -4.17% compared to Upstart Holdings's net margin of -13.48%. Upstart Holdings's return on equity of -27.32% beat Old Market Capital's return on equity of -25.87%.

    Company Gross Margin Earnings Per Share Invested Capital
    UPST
    Upstart Holdings
    -- -$0.07 $1.5B
    OMCC
    Old Market Capital
    -- -$0.07 $56.2M
  • What do Analysts Say About UPST or OMCC?

    Upstart Holdings has a consensus price target of $22.50, signalling downside risk potential of -10.23%. On the other hand Old Market Capital has an analysts' consensus of -- which suggests that it could fall by --. Given that Upstart Holdings has higher upside potential than Old Market Capital, analysts believe Upstart Holdings is more attractive than Old Market Capital.

    Company Buy Ratings Hold Ratings Sell Ratings
    UPST
    Upstart Holdings
    1 8 4
    OMCC
    Old Market Capital
    0 0 0
  • Is UPST or OMCC More Risky?

    Upstart Holdings has a beta of 0.000, which suggesting that the stock is 100% less volatile than S&P 500. In comparison Old Market Capital has a beta of 0.939, suggesting its less volatile than the S&P 500 by 6.082%.

  • Which is a Better Dividend Stock UPST or OMCC?

    Upstart Holdings has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Old Market Capital offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Upstart Holdings pays -- of its earnings as a dividend. Old Market Capital pays out -- of its earnings as a dividend.

  • Which has Better Financial Ratios UPST or OMCC?

    Upstart Holdings quarterly revenues are $162.1M, which are larger than Old Market Capital quarterly revenues of $3.3M. Upstart Holdings's net income of -$6.8M is lower than Old Market Capital's net income of -$451K. Notably, Upstart Holdings's price-to-earnings ratio is -- while Old Market Capital's PE ratio is --. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Upstart Holdings is 10.89x versus -- for Old Market Capital. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UPST
    Upstart Holdings
    10.89x -- $162.1M -$6.8M
    OMCC
    Old Market Capital
    -- -- $3.3M -$451K
  • Which has Higher Returns UPST or SOFI?

    SoFi Technologies has a net margin of -4.17% compared to Upstart Holdings's net margin of 8.76%. Upstart Holdings's return on equity of -27.32% beat SoFi Technologies's return on equity of 3.68%.

    Company Gross Margin Earnings Per Share Invested Capital
    UPST
    Upstart Holdings
    -- -$0.07 $1.5B
    SOFI
    SoFi Technologies
    -- $0.05 $9.3B
  • What do Analysts Say About UPST or SOFI?

    Upstart Holdings has a consensus price target of $22.50, signalling downside risk potential of -10.23%. On the other hand SoFi Technologies has an analysts' consensus of $11.37 which suggests that it could fall by -29.05%. Given that SoFi Technologies has more downside risk than Upstart Holdings, analysts believe Upstart Holdings is more attractive than SoFi Technologies.

    Company Buy Ratings Hold Ratings Sell Ratings
    UPST
    Upstart Holdings
    1 8 4
    SOFI
    SoFi Technologies
    3 9 3
  • Is UPST or SOFI More Risky?

    Upstart Holdings has a beta of 0.000, which suggesting that the stock is 100% less volatile than S&P 500. In comparison SoFi Technologies has a beta of 0.000, suggesting its less volatile than the S&P 500 by 100%.

  • Which is a Better Dividend Stock UPST or SOFI?

    Upstart Holdings has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. SoFi Technologies offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Upstart Holdings pays -- of its earnings as a dividend. SoFi Technologies pays out -13.44% of its earnings as a dividend.

  • Which has Better Financial Ratios UPST or SOFI?

    Upstart Holdings quarterly revenues are $162.1M, which are smaller than SoFi Technologies quarterly revenues of $693.8M. Upstart Holdings's net income of -$6.8M is lower than SoFi Technologies's net income of $60.7M. Notably, Upstart Holdings's price-to-earnings ratio is -- while SoFi Technologies's PE ratio is 160.20x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Upstart Holdings is 10.89x versus 6.74x for SoFi Technologies. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UPST
    Upstart Holdings
    10.89x -- $162.1M -$6.8M
    SOFI
    SoFi Technologies
    6.74x 160.20x $693.8M $60.7M

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