Don't Buy Upstart (UPST) Before Checking Its Fundamentals!

After moving 0.7% during today's afternoon session, Upstart is now trading at a price of $26.73 per share. On average, analysts give it a target price of $24.0.

Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States.

Potential Upstart Investors Should Analyze the Following:

  • Upstart has moved 29.0% over the last year.

  • The company has a price to earnings growth (PEG) ratio of -2.66. A number between 0 and 1 could mean that the market is undervaluing Upstart's estimated growth potential

  • Its Price to Book (P/B) ratio is 3.51

Understanding Upstart's Operating Margins

Date Reported Total Revenue ($ k) Operating Expenses ($ k) Operating Margins (%) YoY Growth (%)
2023-02-16 1,012,852 -719,060 28 -6.67
2022-02-18 821,909 -573,709 30 7.14
2021-02-12 255,008 -182,849 28

Upstart's operating margins have averaged 28.7% over the last 3 years, which is significantly higher than the Diversified Financial industry average of 15.89%. The firm's margins exhibit a relatively stable growth trend of 1.2%.

The above analysis is intended for educational purposes only and was performed on the basis of publicly available data. It is not to be construed as a recommendation to buy or sell any security. Any buy, sell, or other recommendations mentioned in the article are direct quotations of consensus recommendations from the analysts covering the stock, and do not represent the opinions of Market Inference or its writers. Past performance, accounting data, and inferences about market position and corporate valuation are not reliable indicators of future price movements. Market Inference does not provide financial advice. Investors should conduct their own review and analysis of any company of interest before making an investment decision.

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