UPST stock verdict — Growth
UPST
Upstart Holdings, Inc.
GROWTHFinancial Services
$29.51
Strong Buy · weak trend
$29.51
Heavy$31.85Buy$42.47Fair$53.09Exit$63.70
FUNDAMENTAL78
TECHNICAL22
Downtrend · EMA20 32.13 · EMA50 31.84 · EMA200 37.55 · RSI 39.0 · MACD below signal
PROS
- Trades 44% below the model's fair value ($53.09)
- Reasonable forward P/E of 8.8× on analyst estimates
- Revenue grew 15.7%/yr on average over the last 3 years
CONS
- Expensive on trailing earnings (P/E 76.2×)
- Company has a low return on equity of 6.4% (TTM)
- High leverage — debt-to-equity of 2.64
- Burns cash — free cash flow is negative
- 3-yr average net margin is negative (-20.8%) — recent profits follow loss years
✳ Pros and cons are machine-generated from the latest fundamentals and technicals.