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UPST Quote, Financials, Valuation and Earnings

Last price:
$47.88
Seasonality move :
26.41%
Day range:
$45.27 - $47.56
52-week range:
$20.60 - $96.43
Dividend yield:
0%
P/E ratio:
--
P/S ratio:
6.03x
P/B ratio:
6.63x
Volume:
3.7M
Avg. volume:
6.6M
1-year change:
94.28%
Market cap:
$4.5B
Revenue:
$628.8M
EPS (TTM):
-$0.75

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
$201.3M $0.17 76.82% -98.3% $57.54
ATLC
Atlanticus Holdings
$347.2M $1.50 456.07% 34.68% $68.14
EZPW
EZCORP
$310.3M $0.31 7.4% -3.2% $20.75
FCFS
FirstCash Holdings
$835.6M $1.74 -1.28% 56.02% $147.00
OMCC
Old Market Capital
-- -- -- -- --
SLM
SLM
$360.5M $1.18 -27.96% -52.3% $34.73
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
UPST
Upstart Holdings
$47.17 $57.54 $4.5B -- $0.00 0% 6.03x
ATLC
Atlanticus Holdings
$49.05 $68.14 $741.9M 9.49x $0.00 0% 2.93x
EZPW
EZCORP
$13.45 $20.75 $822M 11.30x $0.00 0% 0.94x
FCFS
FirstCash Holdings
$127.91 $147.00 $5.7B 20.47x $0.38 1.19% 1.70x
OMCC
Old Market Capital
$5.10 -- $33.9M -- $0.00 0% 8.37x
SLM
SLM
$32.36 $34.73 $6.8B 11.64x $0.13 1.48% 3.75x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
UPST
Upstart Holdings
66.36% 4.363 30.5% 2.14x
ATLC
Atlanticus Holdings
82.28% 2.308 322.02% 1.71x
EZPW
EZCORP
42.15% -0.902 76.63% 3.20x
FCFS
FirstCash Holdings
45.34% -0.354 31.98% 2.86x
OMCC
Old Market Capital
1.54% -0.163 1.97% 10.83x
SLM
SLM
71.91% 1.332 95.45% --
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
UPST
Upstart Holdings
-- -- -3.84% -10.67% 2.16% -$19.6M
ATLC
Atlanticus Holdings
-- -- 4.26% 25.17% 101.45% $128.9M
EZPW
EZCORP
$178.5M $34.3M 7.37% 10.97% 12.31% $28.6M
FCFS
FirstCash Holdings
$424.2M $135.6M 7.59% 13.86% 16.58% $113.7M
OMCC
Old Market Capital
-- -- -7.12% -7.14% -12.58% -$2.9M
SLM
SLM
-- -- 7.77% 28.08% 117.77% -$146.1M

Upstart Holdings vs. Competitors

  • Which has Higher Returns UPST or ATLC?

    Atlanticus Holdings has a net margin of -1.15% compared to Upstart Holdings's net margin of 36.17%. Upstart Holdings's return on equity of -10.67% beat Atlanticus Holdings's return on equity of 25.17%.

    Company Gross Margin Earnings Per Share Invested Capital
    UPST
    Upstart Holdings
    -- -$0.03 $2B
    ATLC
    Atlanticus Holdings
    -- $1.49 $3B
  • What do Analysts Say About UPST or ATLC?

    Upstart Holdings has a consensus price target of $57.54, signalling upside risk potential of 21.99%. On the other hand Atlanticus Holdings has an analysts' consensus of $68.14 which suggests that it could grow by 38.93%. Given that Atlanticus Holdings has higher upside potential than Upstart Holdings, analysts believe Atlanticus Holdings is more attractive than Upstart Holdings.

    Company Buy Ratings Hold Ratings Sell Ratings
    UPST
    Upstart Holdings
    4 7 1
    ATLC
    Atlanticus Holdings
    4 2 0
  • Is UPST or ATLC 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 Atlanticus Holdings has a beta of 1.811, suggesting its more volatile than the S&P 500 by 81.125%.

  • Which is a Better Dividend Stock UPST or ATLC?

    Upstart Holdings has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Atlanticus Holdings 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. Atlanticus Holdings pays out 23.13% of its earnings as a dividend. Atlanticus Holdings's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UPST or ATLC?

    Upstart Holdings quarterly revenues are $213.4M, which are larger than Atlanticus Holdings quarterly revenues of $87.1M. Upstart Holdings's net income of -$2.4M is lower than Atlanticus Holdings's net income of $31.5M. Notably, Upstart Holdings's price-to-earnings ratio is -- while Atlanticus Holdings's PE ratio is 9.49x. 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 6.03x versus 2.93x for Atlanticus 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
    6.03x -- $213.4M -$2.4M
    ATLC
    Atlanticus Holdings
    2.93x 9.49x $87.1M $31.5M
  • Which has Higher Returns UPST or EZPW?

    EZCORP has a net margin of -1.15% compared to Upstart Holdings's net margin of 8.29%. Upstart Holdings's return on equity of -10.67% beat EZCORP's return on equity of 10.97%.

    Company Gross Margin Earnings Per Share Invested Capital
    UPST
    Upstart Holdings
    -- -$0.03 $2B
    EZPW
    EZCORP
    58.26% $0.33 $1.5B
  • What do Analysts Say About UPST or EZPW?

    Upstart Holdings has a consensus price target of $57.54, signalling upside risk potential of 21.99%. On the other hand EZCORP has an analysts' consensus of $20.75 which suggests that it could grow by 54.28%. 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
    4 7 1
    EZPW
    EZCORP
    2 2 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 0.531, suggesting its less volatile than the S&P 500 by 46.921%.

  • 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 $213.4M, which are smaller than EZCORP quarterly revenues of $306.3M. Upstart Holdings's net income of -$2.4M is lower than EZCORP's net income of $25.4M. Notably, Upstart Holdings's price-to-earnings ratio is -- while EZCORP's PE ratio is 11.30x. 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 6.03x versus 0.94x 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
    6.03x -- $213.4M -$2.4M
    EZPW
    EZCORP
    0.94x 11.30x $306.3M $25.4M
  • Which has Higher Returns UPST or FCFS?

    FirstCash Holdings has a net margin of -1.15% compared to Upstart Holdings's net margin of 9.99%. Upstart Holdings's return on equity of -10.67% beat FirstCash Holdings's return on equity of 13.86%.

    Company Gross Margin Earnings Per Share Invested Capital
    UPST
    Upstart Holdings
    -- -$0.03 $2B
    FCFS
    FirstCash Holdings
    50.72% $1.87 $3.8B
  • What do Analysts Say About UPST or FCFS?

    Upstart Holdings has a consensus price target of $57.54, signalling upside risk potential of 21.99%. On the other hand FirstCash Holdings has an analysts' consensus of $147.00 which suggests that it could grow by 14.93%. Given that Upstart Holdings has higher upside potential than FirstCash Holdings, analysts believe Upstart Holdings is more attractive than FirstCash Holdings.

    Company Buy Ratings Hold Ratings Sell Ratings
    UPST
    Upstart Holdings
    4 7 1
    FCFS
    FirstCash Holdings
    3 2 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 0.617, suggesting its less volatile than the S&P 500 by 38.283%.

  • 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 1.19% 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 25.41% 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 $213.4M, which are smaller than FirstCash Holdings quarterly revenues of $836.4M. Upstart Holdings's net income of -$2.4M is lower than FirstCash Holdings's net income of $83.6M. Notably, Upstart Holdings's price-to-earnings ratio is -- while FirstCash Holdings's PE ratio is 20.47x. 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 6.03x versus 1.70x 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
    6.03x -- $213.4M -$2.4M
    FCFS
    FirstCash Holdings
    1.70x 20.47x $836.4M $83.6M
  • Which has Higher Returns UPST or OMCC?

    Old Market Capital has a net margin of -1.15% compared to Upstart Holdings's net margin of -3.85%. Upstart Holdings's return on equity of -10.67% beat Old Market Capital's return on equity of -7.14%.

    Company Gross Margin Earnings Per Share Invested Capital
    UPST
    Upstart Holdings
    -- -$0.03 $2B
    OMCC
    Old Market Capital
    -- -$0.04 $54.8M
  • What do Analysts Say About UPST or OMCC?

    Upstart Holdings has a consensus price target of $57.54, signalling upside risk potential of 21.99%. 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
    4 7 1
    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 0.893, suggesting its less volatile than the S&P 500 by 10.673%.

  • 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 $213.4M, which are larger than Old Market Capital quarterly revenues of $3.2M. Upstart Holdings's net income of -$2.4M is lower than Old Market Capital's net income of -$124K. 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 6.03x versus 8.37x 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
    6.03x -- $213.4M -$2.4M
    OMCC
    Old Market Capital
    8.37x -- $3.2M -$124K
  • Which has Higher Returns UPST or SLM?

    SLM has a net margin of -1.15% compared to Upstart Holdings's net margin of 52.42%. Upstart Holdings's return on equity of -10.67% beat SLM's return on equity of 28.08%.

    Company Gross Margin Earnings Per Share Invested Capital
    UPST
    Upstart Holdings
    -- -$0.03 $2B
    SLM
    SLM
    -- $1.40 $8.5B
  • What do Analysts Say About UPST or SLM?

    Upstart Holdings has a consensus price target of $57.54, signalling upside risk potential of 21.99%. On the other hand SLM has an analysts' consensus of $34.73 which suggests that it could grow by 7.32%. Given that Upstart Holdings has higher upside potential than SLM, analysts believe Upstart Holdings is more attractive than SLM.

    Company Buy Ratings Hold Ratings Sell Ratings
    UPST
    Upstart Holdings
    4 7 1
    SLM
    SLM
    6 2 0
  • Is UPST or SLM 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 SLM has a beta of 1.105, suggesting its more volatile than the S&P 500 by 10.527%.

  • Which is a Better Dividend Stock UPST or SLM?

    Upstart Holdings has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. SLM offers a yield of 1.48% to investors and pays a quarterly dividend of $0.13 per share. Upstart Holdings pays -- of its earnings as a dividend. SLM pays out 19.31% of its earnings as a dividend. SLM's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UPST or SLM?

    Upstart Holdings quarterly revenues are $213.4M, which are smaller than SLM quarterly revenues of $581M. Upstart Holdings's net income of -$2.4M is lower than SLM's net income of $304.5M. Notably, Upstart Holdings's price-to-earnings ratio is -- while SLM's PE ratio is 11.64x. 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 6.03x versus 3.75x for SLM. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UPST
    Upstart Holdings
    6.03x -- $213.4M -$2.4M
    SLM
    SLM
    3.75x 11.64x $581M $304.5M

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