Upstart Holdings, Inc.
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform aggregates consumer demand for loans and connects it to its network of the company's AI-enable…
Financial - Credit Services
US, San Mateo [HQ]
FA
Fundamental Analysis · Most Recent Quarter
A dedicated fundamental analysis might help you to get a quick overview
of the
financial stability. It is important to understand the
FA Algorithm
and the criterias before valuing it as a top-tier resource.
Fundamentals
Valuation
| Metric | Q4 | Q1 | Δ in % | |
|---|---|---|---|---|
| EV/EBITDA | 55.60 | -49.40 | -111.28 | |
| Graham Fair Price | 19.19 | 10.84 | 9.10 | |
| PEG | 96.25 | -0.19 | -4.95 | |
| Price/Book | -31.79 | 3.75 | 5.50 | |
| Price/Cash Flow | 88.00 | 45.21 | -24.05 | |
| Prices/Earnings | 56.82 | -8.90 | -20.62 | |
| Price/Sales | -27.77 | 18.00 | 24.92 | |
| Price/FCF | 88.00 | 45.21 | -24.05 | |
| Naive Interpretation | member | |||
01 - Valuation ·
Weak
Fundamentals
Profitability
| Metric | Q4 | Q1 | Δ in % | |
|---|---|---|---|---|
| Gross Profit Margin | 2.22 | 0.96 | 0.94 | |
| Operating Margin | -55.95 | -0.53 | -0.34 | |
| ROA | -59.43 | -0.03 | -0.02 | |
| ROE | -0.07 | -0.11 | -57.96 | |
| ROIC | -0.03 | -0.04 | -47.80 | |
| Naive Interpretation | member | |||
02 - Profitability ·
Not Interpreted
Fundamentals
Financial Growth
| Metric | Q4 | Q1 | Δ in % | |
|---|---|---|---|---|
| Debt QOQ | -0.04 | 0.13 | -69.84 | |
| Dividends QOQ | 0.00 | 0.00 | 0.00 | |
| EBIT QOQ | -0.08 | -0.42 | -404.11 | |
| EPS QOQ | -0.04 | -0.48 | -1052.00 | |
| FCF QOQ | -0.37 | 1.35 | 268.23 | |
| Revenue QOQ | 0.04 | -0.09 | 108.59 | |
| Naive Interpretation | member | |||
03 - Financial Growth ·
Balanced
Fundamentals
Leverage & Liquidity
| Metric | Q4 | Q1 | Δ in % | |
|---|---|---|---|---|
| Assets Turnover | n.A. | n.A. | n.A. | |
| Days Inventory Outstanding (DIO) | -13109.76 | -20564.22 | -56.86 | |
| Days Sales Outstanding (DSO) | 35.49 | 38.03 | 7.14 | |
| Inventory Turnover | < 0.005 | < 0.005 | 36.25 | |
| Debt/Capitalization | 0.65 | 0.65 | -0.27 | |
| Quick Ratio | 4.05 | 4.62 | 14.07 | |
| Naive Interpretation | member | |||
04 - Leverage & Liquidity ·
Balanced
Fundamentals
Per Share Metrics
| Metric | Q4 | Q1 | Δ in % | |
|---|---|---|---|---|
| Book Value | 7.42 | 7.04 | -5.16 | |
| Cash | 5.95 | 5.52 | -7.21 | |
| Capex | -0.02 | -0.02 | -3.22 | |
| Free Cash Flow | -1.70 | 0.58 | -65.59 | |
| Revenue | 1.64 | 1.47 | -10.45 | |
| Naive Interpretation | member | |||
05 - Per Share Metrics ·
Bad
Fundamentals
Financial Health
06 - Financial Health ·
Bad