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Upstart Holdings Inc
Buy, Hold or Sell?

Let's analyse Upstart together

PenkeI guess you are interested in Upstart Holdings Inc. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Upstart Holdings Inc. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Upstart (30 sec.)










What can you expect buying and holding a share of Upstart? (30 sec.)

How much money do you get?

How much money do you get?
$0.06
When do you have the money?
1 year
How often do you get paid?
23.5%

What is your share worth?

Current worth
$7.35
Expected worth in 1 year
$6.92
How sure are you?
52.9%

+ What do you gain per year?

Total Gains per Share
$-0.37
Return On Investment
-1.3%

For what price can you sell your share?

Current Price per Share
$28.17
Expected price per share
$19.90 - $30.66
How sure are you?
50%

1. Valuation of Upstart (5 min.)




Live pricePrice per Share (EOD)

$28.17

Intrinsic Value Per Share

$-134.92 - $-161.38

Total Value Per Share

$-127.57 - $-154.03

2. Growth of Upstart (5 min.)




Is Upstart growing?

Current yearPrevious yearGrowGrow %
How rich?$635.3m$756.1m-$120.7m-19.0%

How much money is Upstart making?

Current yearPrevious yearGrowGrow %
Making money-$60m-$27.1m-$32.8m-54.7%
Net Profit Margin-51.6%-19.0%--

How much money comes from the company's main activities?

3. Financial Health of Upstart (5 min.)




4. Comparing to competitors in the Credit Services industry (5 min.)




  Industry Rankings (Credit Services)  


Richest
#79 / 256

Most Revenue
#95 / 256

Most Profit
#252 / 256

Most Efficient
#224 / 256

What can you expect buying and holding a share of Upstart? (5 min.)

Welcome investor! Upstart's management wants to use your money to grow the business. In return you get a share of Upstart.

What can you expect buying and holding a share of Upstart?

First you should know what it really means to hold a share of Upstart. And how you can make/lose money.

Speculation

The Price per Share of Upstart is $28.17. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Upstart.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Upstart, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $7.35. Based on the TTM, the Book Value Change Per Share is $-0.11 per quarter. Based on the YOY, the Book Value Change Per Share is $-0.10 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.01 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Upstart.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps-0.49-1.7%-0.69-2.5%-0.32-1.1%-0.15-0.5%-0.15-0.5%
Usd Book Value Change Per Share-0.06-0.2%-0.11-0.4%-0.10-0.3%0.431.5%0.431.5%
Usd Dividend Per Share0.000.0%0.010.1%0.030.1%0.010.0%0.010.0%
Usd Total Gains Per Share-0.06-0.2%-0.09-0.3%-0.07-0.2%0.441.6%0.441.6%
Usd Price Per Share40.86-30.28-43.68-62.24-62.24-
Price to Earnings Ratio-20.82--16.56-10.90-29.13-29.13-
Price-to-Total Gains Ratio-646.92-114.29--12.15-3.64-3.64-
Price to Book Ratio5.56-4.11-4.92-9.53-9.53-
Price-to-Total Gains Ratio-646.92-114.29--12.15-3.64-3.64-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share28.17
Number of shares35
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.010.01
Usd Book Value Change Per Share-0.110.43
Usd Total Gains Per Share-0.090.44
Gains per Quarter (35 shares)-3.2415.52
Gains per Year (35 shares)-12.9662.07
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
12-15-2326152
24-30-363121114
36-45-495182176
48-60-626242238
510-75-758303300
612-90-889363362
715-105-10111424424
817-120-11412484486
919-135-12714545548
1021-150-14015605610

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share0.04.00.00.0%5.07.00.041.7%8.09.00.047.1%8.09.00.047.1%8.09.00.047.1%
Book Value Change Per Share2.02.00.050.0%6.06.00.050.0%8.07.02.047.1%8.07.02.047.1%8.07.02.047.1%
Dividend per Share1.00.03.025.0%3.00.09.025.0%4.00.013.023.5%4.00.013.023.5%4.00.013.023.5%
Total Gains per Share2.02.00.050.0%6.06.00.050.0%9.07.01.052.9%9.07.01.052.9%9.07.01.052.9%

Fundamentals of Upstart

About 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 includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small dollar loans that connects consumer demand for loans to its to bank and credit unions. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.

Fundamental data was last updated by Penke on 2024-03-22 06:37:05.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge loss.
Using its assets, the company is very inefficient in making profit.
Using its investors money, the company is very inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very inefficient.
The company is inefficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is able to pay all its debts by selling its assets.
The company is just able to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is fair priced.
Based on the earnings, the company is expensive.
Based on how much money comes from the company's main activities, the company is expensive.

1.1. Profitability of Upstart Holdings Inc.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Upstart earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Upstart to the Credit Services industry mean.
  • A Net Profit Margin of -30.2% means that $-0.30 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Upstart Holdings Inc:

  • The MRQ is -30.2%. The company is making a huge loss. -2
  • The TTM is -51.6%. The company is making a huge loss. -2
Trends
Current periodCompared to+/- 
MRQ-30.2%TTM-51.6%+21.4%
TTM-51.6%YOY-19.0%-32.6%
TTM-51.6%5Y-13.6%-38.0%
5Y-13.6%10Y-13.6%0.0%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ-30.2%13.1%-43.3%
TTM-51.6%14.3%-65.9%
YOY-19.0%18.4%-37.4%
5Y-13.6%16.5%-30.1%
10Y-13.6%15.8%-29.4%
1.1.2. Return on Assets

Shows how efficient Upstart is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Upstart to the Credit Services industry mean.
  • -2.1% Return on Assets means that Upstart generated $-0.02 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Upstart Holdings Inc:

  • The MRQ is -2.1%. Using its assets, the company is very inefficient in making profit. -2
  • The TTM is -3.2%. Using its assets, the company is very inefficient in making profit. -2
Trends
Current periodCompared to+/- 
MRQ-2.1%TTM-3.2%+1.1%
TTM-3.2%YOY-1.4%-1.8%
TTM-3.2%5Y-0.2%-3.0%
5Y-0.2%10Y-0.2%0.0%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ-2.1%0.8%-2.9%
TTM-3.2%0.9%-4.1%
YOY-1.4%0.9%-2.3%
5Y-0.2%0.8%-1.0%
10Y-0.2%0.8%-1.0%
1.1.3. Return on Equity

Shows how efficient Upstart is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Upstart to the Credit Services industry mean.
  • -6.7% Return on Equity means Upstart generated $-0.07 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Upstart Holdings Inc:

  • The MRQ is -6.7%. Using its investors money, the company is very inefficient in making profit. -2
  • The TTM is -9.5%. Using its investors money, the company is very inefficient in making profit. -2
Trends
Current periodCompared to+/- 
MRQ-6.7%TTM-9.5%+2.8%
TTM-9.5%YOY-4.1%-5.4%
TTM-9.5%5Y-2.0%-7.5%
5Y-2.0%10Y-2.0%0.0%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ-6.7%3.2%-9.9%
TTM-9.5%3.3%-12.8%
YOY-4.1%3.6%-7.7%
5Y-2.0%3.2%-5.2%
10Y-2.0%3.4%-5.4%

1.2. Operating Efficiency of Upstart Holdings Inc.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Upstart is operating .

  • Measures how much profit Upstart makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Upstart to the Credit Services industry mean.
  • An Operating Margin of -33.9% means the company generated $-0.34  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Upstart Holdings Inc:

  • The MRQ is -33.9%. The company is operating very inefficient. -2
  • The TTM is -54.8%. The company is operating very inefficient. -2
Trends
Current periodCompared to+/- 
MRQ-33.9%TTM-54.8%+20.9%
TTM-54.8%YOY-19.9%-34.9%
TTM-54.8%5Y-15.1%-39.6%
5Y-15.1%10Y-15.1%0.0%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ-33.9%21.3%-55.2%
TTM-54.8%19.0%-73.8%
YOY-19.9%26.3%-46.2%
5Y-15.1%21.7%-36.8%
10Y-15.1%25.5%-40.6%
1.2.2. Operating Ratio

Measures how efficient Upstart is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Credit Services industry mean).
  • An Operation Ratio of 1.34 means that the operating costs are $1.34 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Upstart Holdings Inc:

  • The MRQ is 1.339. The company is inefficient in keeping operating costs low. -1
  • The TTM is 1.783. The company is inefficient in keeping operating costs low. -1
Trends
Current periodCompared to+/- 
MRQ1.339TTM1.783-0.444
TTM1.783YOY1.440+0.343
TTM1.7835Y1.343+0.440
5Y1.34310Y1.3430.000
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ1.3390.817+0.522
TTM1.7830.816+0.967
YOY1.4400.799+0.641
5Y1.3430.716+0.627
10Y1.3430.709+0.634

1.3. Liquidity of Upstart Holdings Inc.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Upstart is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Credit Services industry mean).
  • A Current Ratio of 3.36 means the company has $3.36 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Upstart Holdings Inc:

  • The MRQ is 3.355. The company is very able to pay all its short-term debts. +2
  • The TTM is 53.010. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ3.355TTM53.010-49.655
TTM53.010YOY40.997+12.013
TTM53.0105Y33.273+19.737
5Y33.27310Y33.2730.000
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ3.3553.006+0.349
TTM53.0103.353+49.657
YOY40.9972.540+38.457
5Y33.2734.074+29.199
10Y33.2734.335+28.938
1.3.2. Quick Ratio

Measures if Upstart is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Upstart to the Credit Services industry mean.
  • A Quick Ratio of 4.05 means the company can pay off $4.05 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Upstart Holdings Inc:

  • The MRQ is 4.048. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 62.905. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ4.048TTM62.905-58.857
TTM62.905YOY33.738+29.167
TTM62.9055Y32.436+30.469
5Y32.43610Y32.4360.000
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ4.0481.975+2.073
TTM62.9052.227+60.678
YOY33.7381.916+31.822
5Y32.4363.814+28.622
10Y32.4363.638+28.798

1.4. Solvency of Upstart Holdings Inc.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Upstart assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Upstart to Credit Services industry mean.
  • A Debt to Asset Ratio of 0.69 means that Upstart assets are financed with 68.5% credit (debt) and the remaining percentage (100% - 68.5%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Upstart Holdings Inc:

  • The MRQ is 0.685. The company is able to pay all its debts by selling its assets. +1
  • The TTM is 0.665. The company is able to pay all its debts by selling its assets. +1
Trends
Current periodCompared to+/- 
MRQ0.685TTM0.665+0.020
TTM0.665YOY0.610+0.054
TTM0.6655Y0.692-0.027
5Y0.69210Y0.6920.000
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.6850.729-0.044
TTM0.6650.716-0.051
YOY0.6100.709-0.099
5Y0.6920.711-0.019
10Y0.6920.693-0.001
1.4.2. Debt to Equity Ratio

Measures if Upstart is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Upstart to the Credit Services industry mean.
  • A Debt to Equity ratio of 217.5% means that company has $2.18 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Upstart Holdings Inc:

  • The MRQ is 2.175. The company is just not able to pay all its debts with equity.
  • The TTM is 1.992. The company is just able to pay all its debts with equity.
Trends
Current periodCompared to+/- 
MRQ2.175TTM1.992+0.183
TTM1.992YOY1.586+0.406
TTM1.9925Y1.069+0.923
5Y1.06910Y1.0690.000
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ2.1752.575-0.400
TTM1.9922.383-0.391
YOY1.5862.317-0.731
5Y1.0692.329-1.260
10Y1.0692.391-1.322

2. Market Valuation of Upstart Holdings Inc

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Upstart generates.

  • Above 15 is considered overpriced but always compare Upstart to the Credit Services industry mean.
  • A PE ratio of -20.82 means the investor is paying $-20.82 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Upstart Holdings Inc:

  • The EOD is -14.356. Based on the earnings, the company is expensive. -2
  • The MRQ is -20.824. Based on the earnings, the company is expensive. -2
  • The TTM is -16.562. Based on the earnings, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-14.356MRQ-20.824+6.467
MRQ-20.824TTM-16.562-4.261
TTM-16.562YOY10.900-27.463
TTM-16.5625Y29.126-45.688
5Y29.12610Y29.1260.000
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD-14.3566.808-21.164
MRQ-20.8246.289-27.113
TTM-16.5626.578-23.140
YOY10.9007.303+3.597
5Y29.1268.537+20.589
10Y29.12611.727+17.399
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Upstart Holdings Inc:

  • The EOD is -4.187. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is -6.073. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is -2.819. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-4.187MRQ-6.073+1.886
MRQ-6.073TTM-2.819-3.255
TTM-2.819YOY-6.531+3.712
TTM-2.8195Y3.203-6.021
5Y3.20310Y3.2030.000
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD-4.187-0.702-3.485
MRQ-6.073-0.673-5.400
TTM-2.819-0.332-2.487
YOY-6.531-0.451-6.080
5Y3.203-0.002+3.205
10Y3.2030.006+3.197
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Upstart is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Credit Services industry mean).
  • A PB ratio of 5.56 means the investor is paying $5.56 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Upstart Holdings Inc:

  • The EOD is 3.832. Based on the equity, the company is fair priced.
  • The MRQ is 5.559. Based on the equity, the company is overpriced. -1
  • The TTM is 4.112. Based on the equity, the company is fair priced.
Trends
Current periodCompared to+/- 
EOD3.832MRQ5.559-1.726
MRQ5.559TTM4.112+1.447
TTM4.112YOY4.923-0.811
TTM4.1125Y9.527-5.415
5Y9.52710Y9.5270.000
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD3.8320.930+2.902
MRQ5.5590.861+4.698
TTM4.1120.860+3.252
YOY4.9231.071+3.852
5Y9.5271.235+8.292
10Y9.5271.430+8.097
2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of Upstart Holdings Inc.

3.1. Institutions holding Upstart Holdings Inc

Institutions are holding 50.19% of the shares of Upstart Holdings Inc.

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2023-12-31Vanguard Group Inc8.11510.006370139181577192.3004
2023-12-31BlackRock Inc6.4010.0058553238350953010.1442
2023-09-30D. E. Shaw & Co LP3.25940.083928170752395069.2919
2023-12-31Goldman Sachs Group Inc2.79720.0089241763498839269.155
2023-12-31Morgan Stanley - Brokerage Accounts2.46740.0077213256121762811.3648
2023-12-31State Street Corporation2.12360.00371835469867264.9593
2023-12-31Geode Capital Management, LLC1.85520.006916034641016386.7676
2023-12-31Bank of Montreal1.61080.0188139219870210.5069
2023-12-31BMO Capital Markets Corp.1.61080.0188139219870210.5069
2023-12-31Bank of America Corp1.56470.005613523411013030298.555
2023-09-30VOLORIDGE INVESTMENT MANAGEMENT, LLC1.44490.1758124886321729721.0648
2023-12-31Two Sigma Investments LLC1.22740.09961060873760573253.2711
2023-12-31Mirae Asset Global Investments (Korea) Co Ltd1.17820.0846101835458750.5803
2023-12-31Northern Trust Corp0.82360.0053711831-6914-0.962
2023-12-31Coatue Management LLC0.79230.1174684792-980051-58.8675
2023-09-30Citadel Advisors Llc0.76490.004661117389264143.1892
2023-12-31Charles Schwab Investment Management Inc0.66320.006573176174633.1424
2023-12-31NORGES BANK0.53850.0033465418-383681-45.1868
2023-12-31Barclays PLC0.48780.0063421575275416188.4359
2023-09-30Pathstone Family Office, LLC0.45940.086439706143951.1193
Total 40.18540.755134732301+3627848+10.4%

3.2. Funds holding Upstart Holdings Inc

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2024-02-29Vanguard Total Stock Mkt Idx Inv2.60270.00372249524-6435-0.2852
2024-02-29Vanguard Small Cap Index2.15620.03411863615173310.9387
2024-02-29iShares Russell 2000 ETF2.06320.07361783253-291-0.0163
2024-02-29Vanguard Institutional Extnd Mkt Idx Tr1.25070.027310810008890.0823
2024-02-29Vanguard Small Cap Growth Index Inv1.21010.07721045899173531.6871
2024-02-29Global X Robotics & Artfcl Intllgnc ETF0.96980.81438381749900.1183
2023-12-31Fidelity Small Cap Index0.84310.1172728720201942.8501
2024-02-29iShares Russell 2000 Growth ETF0.74550.1461644305-749-0.1161
2024-02-29WisdomTree Art Intelligence ETF USD Acc0.50841.405443944831860.7303
2024-02-29State St Russell Sm/Mid Cp® Indx NL Cl C0.50560.0269436978105002.462
2024-01-31Fidelity Extended Market Index0.4750.036441054771961.7841
2024-02-29Schwab US Small-Cap ETF™0.39610.053234237500
2024-02-29FT Nasdaq Artfcl Intllgnc and Rbtc ETF0.3781.556632673327580.8513
2024-02-29Allspring (Lux) WW Glb L/SEq IPUSD Acc0.34580.23929890397393.368
2024-02-29State St Russell Sm Cap® Indx SL Cl I0.31040.073226830000
2024-02-29Vanguard Russell 2000 ETF0.30810.0719266319209058.5183
2024-02-29Sanlam Glb Artfcll Intlgc I USD UnH Acc0.26650.458423035900
2023-12-31NT R2000 Growth Index Fund - NL0.25250.24112182196180.284
2023-12-31NT R2000 Index Fund - NL0.24220.11792092969510.4565
2024-02-29SPDR® S&P Kensho New Economies Comps ETF0.23960.27982071181500.0725
Total 16.06955.853313889085+105285+0.8%

3.3. Insider Transactions

Insiders are holding 15.371% of the shares of Upstart Holdings Inc.

DateOwnerTypeAmountPricePost Transaction AmountLink
2024-03-11Sanjay DattaSELL100027.5
2024-03-01Natalia MirgorodskayaSELL250025.48
2024-02-23Natalia MirgorodskayaSELL191924.3
2024-02-12Sanjay DattaSELL100033.84
2024-01-29Sanjay DattaSELL100032.62
2024-01-29Scott DarlingSELL129835.38
2024-01-25Scott DarlingSELL6035.06
2024-01-22Sanjay DattaSELL100033.71
2024-01-16Sanjay DattaSELL100031.04
2024-01-08Sanjay DattaSELL100034.14
2023-12-26Sanjay DattaSELL100044.55
2023-12-26Scott DarlingSELL204345.18
2023-12-22Scott DarlingSELL528545.1
2023-12-18Sanjay DattaSELL100043.99
2023-12-11Sanjay DattaSELL100037.76
2023-12-06Paul GuSELL1000035.04
2023-12-06Scott DarlingSELL420636.19
2023-12-04Sanjay DattaSELL100031.51
2023-12-01Paul GuSELL4000027.19
2023-11-27Sanjay DattaSELL100023.8

4. Summary

4.1. Key Performance Indicators

The key performance indicators of Upstart Holdings Inc compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share---0.063-0.107+70%-0.097+54%0.432-115%0.432-115%
Book Value Per Share--7.3507.3510%8.509-14%5.349+37%5.349+37%
Current Ratio--3.35553.010-94%40.997-92%33.273-90%33.273-90%
Debt To Asset Ratio--0.6850.665+3%0.610+12%0.692-1%0.692-1%
Debt To Equity Ratio--2.1751.992+9%1.586+37%1.069+103%1.069+103%
Dividend Per Share---0.015-100%0.031-100%0.011-100%0.011-100%
Eps---0.491-0.695+42%-0.323-34%-0.147-70%-0.147-70%
Free Cash Flow Per Share---1.682-0.499-70%-1.943+16%-0.467-72%-0.467-72%
Free Cash Flow To Equity Per Share---1.3770.121-1242%-1.590+15%0.325-524%0.325-524%
Gross Profit Margin--1.9141.706+12%1.340+43%-3.275+271%-3.275+271%
Intrinsic Value_10Y_max---161.379--------
Intrinsic Value_10Y_min---134.923--------
Intrinsic Value_1Y_max---4.667--------
Intrinsic Value_1Y_min---4.577--------
Intrinsic Value_3Y_max---22.789--------
Intrinsic Value_3Y_min---21.579--------
Intrinsic Value_5Y_max---51.483--------
Intrinsic Value_5Y_min---47.030--------
Market Cap2434741663.680-45%3531542221.4402616677453.600+35%4021477408.840-12%5826179949.331-39%5826179949.331-39%
Net Profit Margin---0.302-0.516+71%-0.190-37%-0.136-55%-0.136-55%
Operating Margin---0.339-0.548+62%-0.199-41%-0.151-55%-0.151-55%
Operating Ratio--1.3391.783-25%1.440-7%1.3430%1.3430%
Pb Ratio3.832-45%5.5594.112+35%4.923+13%9.527-42%9.527-42%
Pe Ratio-14.356+31%-20.824-16.562-20%10.900-291%29.126-171%29.126-171%
Price Per Share28.170-45%40.86030.275+35%43.680-6%62.239-34%62.239-34%
Price To Free Cash Flow Ratio-4.187+31%-6.073-2.819-54%-6.531+8%3.203-290%3.203-290%
Price To Total Gains Ratio-446.005+31%-646.921114.289-666%-12.147-98%3.638-17881%3.638-17881%
Quick Ratio--4.04862.905-94%33.738-88%32.436-88%32.436-88%
Return On Assets---0.021-0.032+52%-0.014-32%-0.002-90%-0.002-90%
Return On Equity---0.067-0.095+42%-0.041-39%-0.020-70%-0.020-70%
Total Gains Per Share---0.063-0.093+47%-0.066+5%0.443-114%0.443-114%
Usd Book Value--635305000.000635355500.0000%756144500.000-16%482159294.118+32%482159294.118+32%
Usd Book Value Change Per Share---0.063-0.107+70%-0.097+54%0.432-115%0.432-115%
Usd Book Value Per Share--7.3507.3510%8.509-14%5.349+37%5.349+37%
Usd Dividend Per Share---0.015-100%0.031-100%0.011-100%0.011-100%
Usd Eps---0.491-0.695+42%-0.323-34%-0.147-70%-0.147-70%
Usd Free Cash Flow---145378000.000-43144750.000-70%-174398500.000+20%-41194117.647-72%-41194117.647-72%
Usd Free Cash Flow Per Share---1.682-0.499-70%-1.943+16%-0.467-72%-0.467-72%
Usd Free Cash Flow To Equity Per Share---1.3770.121-1242%-1.590+15%0.325-524%0.325-524%
Usd Market Cap2434741663.680-45%3531542221.4402616677453.600+35%4021477408.840-12%5826179949.331-39%5826179949.331-39%
Usd Price Per Share28.170-45%40.86030.275+35%43.680-6%62.239-34%62.239-34%
Usd Profit---42398000.000-60033000.000+42%-27166250.000-36%-11842352.941-72%-11842352.941-72%
Usd Revenue--140312000.000128390500.000+9%210611000.000-33%147349411.765-5%147349411.765-5%
Usd Total Gains Per Share---0.063-0.093+47%-0.066+5%0.443-114%0.443-114%
 EOD+3 -5MRQTTM+19 -17YOY+13 -235Y+10 -2610Y+10 -26

4.2. Fundamental Score

Let's check the fundamental score of Upstart Holdings Inc based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-15-14.356
Price to Book Ratio (EOD)Between0-13.832
Net Profit Margin (MRQ)Greater than0-0.302
Operating Margin (MRQ)Greater than0-0.339
Quick Ratio (MRQ)Greater than14.048
Current Ratio (MRQ)Greater than13.355
Debt to Asset Ratio (MRQ)Less than10.685
Debt to Equity Ratio (MRQ)Less than12.175
Return on Equity (MRQ)Greater than0.15-0.067
Return on Assets (MRQ)Greater than0.05-0.021
Total3/10 (30.0%)

4.3. Technical Score

Let's check the technical score of Upstart Holdings Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5056.576
Ma 20Greater thanMa 5025.664
Ma 50Greater thanMa 10028.694
Ma 100Greater thanMa 20030.921
OpenGreater thanClose26.890
Total1/5 (20.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2022-12-312023-03-312023-06-302023-09-302023-12-31
Other Current Liabilities  -235,665-114,498-350,163343,226-6,937-344,217-351,154462,994111,840



Latest Balance Sheet

Balance Sheet of 2023-12-31. Currency in USD. All numbers in thousands.

Summary
Total Assets2,017,100
Total Liabilities1,381,795
Total Stockholder Equity635,305
 As reported
Total Liabilities 1,381,795
Total Stockholder Equity+ 635,305
Total Assets = 2,017,100

Assets

Total Assets2,017,100
Total Current Assets467,787
Long-term Assets1,549,313
Total Current Assets
Cash And Cash Equivalents 467,787
Short-term Investments 41,250
Net Receivables 55,337
Total Current Assets  (as reported)467,787
Total Current Assets  (calculated)564,374
+/- 96,587
Long-term Assets
Property Plant Equipment 97,349
Goodwill 67,062
Long Term Investments 41,250
Intangible Assets 11,356
Long-term Assets Other 45,484
Long-term Assets  (as reported)1,549,313
Long-term Assets  (calculated)262,501
+/- 1,286,812

Liabilities & Shareholders' Equity

Total Current Liabilities139,419
Long-term Liabilities1,242,376
Total Stockholder Equity635,305
Total Current Liabilities
Short-term Debt 14,966
Short Long Term Debt 387,425
Accounts payable 12,613
Other Current Liabilities 111,840
Total Current Liabilities  (as reported)139,419
Total Current Liabilities  (calculated)526,844
+/- 387,425
Long-term Liabilities
Long term Debt 652,999
Capital Lease Obligations 62,324
Long-term Liabilities  (as reported)1,242,376
Long-term Liabilities  (calculated)715,323
+/- 527,053
Total Stockholder Equity
Common Stock9
Retained Earnings -282,576
Other Stockholders Equity 917,872
Total Stockholder Equity (as reported)635,305
Total Stockholder Equity (calculated)635,305
+/-0
Other
Capital Stock9
Cash and Short Term Investments 467,787
Common Stock Shares Outstanding 85,569
Liabilities and Stockholders Equity 2,017,100
Net Debt 776,377
Net Invested Capital 1,675,729
Net Working Capital 328,368
Property Plant and Equipment Gross 134,798
Short Long Term Debt Total 1,244,164



Balance Sheet

Currency in USD. All numbers in thousands.

 Trend2023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-31
> Total Assets 
393,462
0
0
309,804
477,255
488,588
904,583
1,606,130
1,820,455
1,987,591
1,917,018
1,915,310
1,936,054
1,821,720
1,763,712
2,001,779
2,017,100
2,017,1002,001,7791,763,7121,821,7201,936,0541,915,3101,917,0181,987,5911,820,4551,606,130904,583488,588477,255309,80400393,462
   > Total Current Assets 
93,255
0
0
92,178
250,819
257,017
506,287
1,389,366
1,058,791
812,832
831,431
986,608
463,661
428,192
443,672
557,831
467,787
467,787557,831443,672428,192463,661986,608831,431812,8321,058,7911,389,366506,287257,017250,81992,1780093,255
       Cash And Cash Equivalents 
50,818
0
0
60,984
250,819
257,017
506,287
1,041,460
986,608
757,828
790,431
683,970
422,411
386,942
443,672
516,581
467,787
467,787516,581443,672386,942422,411683,970790,431757,828986,6081,041,460506,287257,017250,81960,9840050,818
       Short-term Investments 
0
0
0
6
7,947
8,165
8,150
40,000
8,377
8,818
41,000
41,000
41,250
41,250
41,250
41,250
41,250
41,25041,25041,25041,25041,25041,00041,0008,8188,37740,0008,1508,1657,9476000
       Net Receivables 
42,437
0
0
31,188
19,074
16,033
12,995
10,489
8,288
55,004
50,820
53,337
52,833
47,952
49,958
43,977
55,337
55,33743,97749,95847,95252,83353,33750,82055,0048,28810,48912,99516,03319,07431,1880042,437
       Inventory 
0
0
0
0
11,656
0
0
29,986
0
0
0
-459,950
-1,179,491
-1,100,107
-957,651
-1,117,546
0
0-1,117,546-957,651-1,100,107-1,179,491-459,95000029,9860011,6560000
   > Long-term Assets 
22,220
0
0
22,964
10,032
27,363
136,532
216,764
247,345
249,934
252,236
207,345
213,196
311,033
235,671
285,765
1,549,313
1,549,313285,765235,671311,033213,196207,345252,236249,934247,345216,764136,53227,36310,03222,9640022,220
       Property Plant Equipment 
22,220
0
0
22,964
28,342
27,363
29,757
88,923
120,377
123,035
126,406
128,465
130,503
130,359
127,359
125,349
97,349
97,349125,349127,359130,359130,503128,465126,406123,035120,37788,92329,75727,36328,34222,9640022,220
       Goodwill 
0
0
0
0
0
0
66,866
66,866
67,062
67,062
67,062
67,062
67,062
67,062
67,062
67,062
67,062
67,06267,06267,06267,06267,06267,06267,06267,06267,06266,86666,866000000
       Long Term Investments 
0
0
0
0
0
0
0
40,000
40,000
41,000
41,000
41,000
41,250
41,250
41,250
41,250
41,250
41,25041,25041,25041,25041,25041,00041,00041,00040,00040,0000000000
       Intangible Assets 
0
0
0
0
0
0
22,131
20,975
19,906
18,837
17,768
16,700
15,631
14,562
13,493
12,425
11,356
11,35612,42513,49314,56215,63116,70017,76818,83719,90620,97522,131000000
       Long-term Assets Other 
-22,220
0
0
-22,964
-18,310
69,202
17,778
187,516
-18,310
261,201
257,950
-45,882
-41,250
57,800
-235,671
52,104
45,484
45,48452,104-235,67157,800-41,250-45,882257,950261,201-18,310187,51617,77869,202-18,310-22,96400-22,220
> Total Liabilities 
455,150
0
0
357,137
177,003
167,998
188,487
887,041
1,013,377
1,111,087
1,159,947
1,196,742
1,263,619
1,194,512
1,125,567
1,361,015
1,381,795
1,381,7951,361,0151,125,5671,194,5121,263,6191,196,7421,159,9471,111,0871,013,377887,041188,487167,998177,003357,13700455,150
   > Total Current Liabilities 
206,882
0
0
81,762
54,269
29,950
20,053
10,672
54,593
131,840
230,153
6,563
119,502
6,553
6,937
7,027
139,419
139,4197,0276,9376,553119,5026,563230,153131,84054,59310,67220,05329,95054,26981,76200206,882
       Short-term Debt 
84,596
0
0
75,713
40,494
21,823
2,727
1,291
48,030
121,551
208,123
269,728
336,452
350,163
279,178
351,154
14,966
14,966351,154279,178350,163336,452269,728208,123121,55148,0301,2912,72721,82340,49475,7130084,596
       Short Long Term Debt 
84,596
0
0
75,713
40,494
21,823
2,727
1,291
48,030
121,551
208,123
269,728
336,452
350,163
279,178
351,154
387,425
387,425351,154279,178350,163336,452269,728208,123121,55148,0301,2912,72721,82340,49475,7130084,596
       Accounts payable 
6,559
0
0
6,049
13,775
8,127
17,326
9,381
6,563
10,289
22,030
10,916
18,715
6,553
6,937
7,027
12,613
12,6137,0276,9376,55318,71510,91622,03010,2896,5639,38117,3268,12713,7756,049006,559
       Other Current Liabilities 
115,727
0
0
9,065
-40,494
0
-2,727
0
-40,494
0
0
-274,081
-235,665
-350,163
-6,937
-351,154
111,840
111,840-351,154-6,937-350,163-235,665-274,08100-40,4940-2,7270-40,4949,06500115,727
   > Long-term Liabilities 
34,013
0
0
24,875
41,564
38,689
21,108
720,106
747,768
747,722
748,297
1,006,814
1,144,117
1,187,959
1,026,892
1,353,988
1,242,376
1,242,3761,353,9881,026,8921,187,9591,144,1171,006,814748,297747,722747,768720,10621,10838,68941,56424,8750034,013
       Long term Debt Total 
0
0
0
0
0
41,891
6,057
649,222
695,432
769,222
856,555
918,917
986,394
1,000,871
930,653
0
0
00930,6531,000,871986,394918,917856,555769,222695,432649,2226,05741,89100000
       Capital Lease Obligations 
17,061
0
0
14,841
19,432
18,621
17,778
72,175
100,366
100,051
99,865
99,418
100,787
99,050
96,239
93,354
62,324
62,32493,35496,23999,050100,78799,41899,865100,051100,36672,17517,77818,62119,43214,8410017,061
       Other Liabilities 
21,070
0
0
41,656
46,832
60,658
76,947
84,312
107,598
148,200
105,712
93,844
103,572
0
47,562
0
0
0047,5620103,57293,844105,712148,200107,59884,31276,94760,65846,83241,6560021,070
> Total Stockholder Equity
-62,714
0
0
-47,333
300,252
320,590
716,096
719,089
807,078
876,504
757,071
718,568
672,435
627,208
638,145
640,764
635,305
635,305640,764638,145627,208672,435718,568757,071876,504807,078719,089716,096320,590300,252-47,33300-62,714
   Common Stock
2
0
0
2
7
7
8
8
8
9
8
8
8
8
8
9
9
99888889888772002
   Retained Earnings 
-75,205
0
0
-70,249
-69,222
-59,120
-21,836
7,277
66,221
98,913
69,042
12,819
-42,444
-171,698
-199,863
-240,178
-282,576
-282,576-240,178-199,863-171,698-42,44412,81969,04298,91366,2217,277-21,836-59,120-69,222-70,24900-75,205
   Accumulated Other Comprehensive Income 00000000000-4,5080-3,04500-1,414
   Capital Surplus 
0
0
0
0
0
379,703
737,924
711,804
740,849
777,582
688,021
705,741
714,871
798,898
838,000
0
0
00838,000798,898714,871705,741688,021777,582740,849711,804737,924379,70300000
   Treasury Stock00000000000000000
   Other Stockholders Equity 
13,903
0
0
195,964
369,467
384,211
737,924
711,804
740,849
777,582
688,021
705,741
714,871
798,898
838,000
880,933
917,872
917,872880,933838,000798,898714,871705,741688,021777,582740,849711,804737,924384,211369,467195,9640013,903



Balance Sheet

Currency in USD. All numbers in thousands.




Cash Flow

Currency in USD. All numbers in thousands.




Income Statement

Currency in USD. All numbers in thousands.


Latest Income Statement (annual, 2023-12-31)

Gross Profit (+$)
totalRevenue513,562
Cost of Revenue-24,903
Gross Profit488,659488,659
 
Operating Income (+$)
Gross Profit488,659
Operating Expense-745,184
Operating Income-256,525-256,525
 
Operating Expense (+$)
Research Development280,138
Selling General Administrative212,388
Selling And Marketing Expenses127,143
Operating Expense745,184619,669
 
Net Interest Income (+$)
Interest Income156,215
Interest Expense-34,894
Other Finance Cost-9,545
Net Interest Income130,866
 
Pretax Income (+$)
Operating Income-256,525
Net Interest Income130,866
Other Non-Operating Income Expenses0
Income Before Tax (EBT)-240,025-273,025
EBIT - interestExpense = -291,419
-240,025
-205,238
Interest Expense34,894
Earnings Before Interest and Taxes (EBIT)-256,525-205,131
Earnings Before Interest and Taxes (EBITDA)-231,622
 
After tax Income (+$)
Income Before Tax-240,025
Tax Provision--420
Net Income From Continuing Ops-252,997-239,605
Net Income-240,132
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses770,087
Total Other Income/Expenses Net16,500-130,866
 

Technical Analysis of Upstart
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Upstart. The general trend of Upstart is BEARISH with 57.1% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Upstart's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (-57.1%) Bearish trend (57.1%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Upstart Holdings Inc.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is 0/(-1 +1).

  • Between support/resistance: The price is trading between support and resistance lines.

The bullish price targets are: 28.97 < 29.21 < 30.66.

The bearish price targets are: 22.89 > 22.81 > 19.90.

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Upstart Holdings Inc Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Upstart Holdings Inc. The current mas is .

The long score for the Moving Averages is 3/14.
The longshort score for the Moving Averages is -8/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
  • MA 20 < MA 200: The MA 20 is lower than the MA 200. -1
  • MA 50 trending down: The MA 50 is trending down. -1
  • Close < MA 50: The price is below the MA 50. -1
  • MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
  • MA 50 < MA 200: The MA 50 is lower than the MA 200. -1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close < MA 100: The price is below the MA 100. -1
  • MA 100 < MA 200: The MA 100 is lower than the MA 200. -1
  • MA 200 trending down: The MA 200 is trending down. -1
  • Close < MA 200: The price is below the MA 200. -1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Upstart Holdings Inc Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Upstart Holdings Inc. The current macd is -0.47248341.

The long score for the Moving Average Convergence/Divergence (MACD) is 3/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 2/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Upstart price going up in the near term. +2
  • MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for Upstart. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the Upstart price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
Upstart Holdings Inc Daily Moving Average Convergence/Divergence (MACD) ChartUpstart Holdings Inc Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Upstart Holdings Inc. The current adx is 13.71.

The long score for the Directional Movement Index (DMI) is 1/7.
The longshort score for the Directional Movement Index (DMI) is 1/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Upstart shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX < 25 && ADX trending down: The ADX is below 25 and indicates a weak or no trend. Also, the ADX is declining so there is no trend indication.
Upstart Holdings Inc Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Upstart Holdings Inc. The current sar is 22.81.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
Upstart Holdings Inc Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Upstart Holdings Inc. The current rsi is 56.58. The current phase is Correction in bear market.

The long score for the Relative Strength Index (RSI) is 4/13.
The longshort score for the Relative Strength Index (RSI) is 4/(-13 +13).

  • Correction in bear market: Extended price decline in a downtrend, significant pullback. Consider reducing exposure, wait for signs of trend reversal.
  • Trending up: The RSI is trending up. +1
Upstart Holdings Inc Daily Relative Strength Index (RSI) ChartUpstart Holdings Inc Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Upstart Holdings Inc. The current phase is Overbought in bear market.

The long score for the Stochastic Oscillator is 6/6.
The longshort score for the Stochastic Oscillator is 6/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH > 80: The STOCH %K is above 80 and overbought. +2
  • STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Upstart price going up in the near term. +2
  • Trending up: The STOCH %K is trending up. +1
Upstart Holdings Inc Daily Stochastic Oscillator ChartUpstart Holdings Inc Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Upstart Holdings Inc. The current cci is 125.63.

The long score for the Commodity Channel Index (CCI) is 1/1.
The longshort score for the Commodity Channel Index (CCI) is 1/(-1 +1).

  • CCI > 100: The CCI is above 100, it indicates that the price is significantly above its average, suggesting a potential overbought condition. +1
Upstart Holdings Inc Daily Commodity Channel Index (CCI) ChartUpstart Holdings Inc Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Upstart Holdings Inc. The current cmo is 31.60.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
Upstart Holdings Inc Daily Chande Momentum Oscillator (CMO) ChartUpstart Holdings Inc Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Upstart Holdings Inc. The current willr is -12.98701299.

The long score for the Williams %R is 1/1.
The longshort score for the Williams %R is 1/(-1 +1).

  • WILLR > -20: The Williams %R is above -20. This indicates that the price is in overbought territory, suggesting a potential price correction or trend reversal to the downside. +1
Upstart Holdings Inc Daily Williams %R ChartUpstart Holdings Inc Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Upstart Holdings Inc.

Upstart Holdings Inc Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Upstart Holdings Inc. The current atr is 1.6998447.

Upstart Holdings Inc Daily Average True Range (ATR) ChartUpstart Holdings Inc Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Upstart Holdings Inc. The current obv is -159,720,639.

Upstart Holdings Inc Daily On-Balance Volume (OBV) ChartUpstart Holdings Inc Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Upstart Holdings Inc. The current mfi is 61.80.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
Upstart Holdings Inc Daily Money Flow Index (MFI) ChartUpstart Holdings Inc Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Upstart Holdings Inc.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-11-03CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-06STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-08DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-11-09MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2023-11-10STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-14CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-15MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2023-11-16STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-11-17STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-11-21DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-11-24STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-27DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2023-11-28CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-29SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2023-12-01CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-05RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-08STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-11RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-13STOCH SHORT EXITThe %K line crosses above the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-14MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-12-15STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2023-12-19STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-20RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-12-26STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-27WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-28RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-29MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-01-03DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-05STOCH SHORT EXITThe %K line crosses above the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-01-11STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-01-16STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-22DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-24STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-01-29STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-30STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-01-31DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2024-02-02STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-05STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-06DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-07STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-08MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-02-12CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-02-13STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-02-14MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-26STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-28STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-01STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-04MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-03-06STOCH SHORT EXITThe %K line crosses above the %D line.
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-03-08DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-03-11STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-03-12DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2024-03-14SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-03-18STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-20DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-21CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-03-22STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-26STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-27SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.

6.3. Candlestick Patterns

Upstart Holdings Inc Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Upstart Holdings Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5056.576
Ma 20Greater thanMa 5025.664
Ma 50Greater thanMa 10028.694
Ma 100Greater thanMa 20030.921
OpenGreater thanClose26.890
Total1/5 (20.0%)
Penke

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