Upstart Hldgs Stock: A Deep Dive Into Analyst Perspectives (4 Ratings)

Across the recent three months, 4 analysts have shared their insights on Upstart Hldgs UPST, expressing a variety of opinions spanning from bullish to bearish.

The table below provides a snapshot of their recent ratings, showcasing how sentiments have evolved over the past 30 days and comparing them to the preceding months.

Analysts have set 12-month price targets for Upstart Hldgs, revealing an average target of $25.75, a high estimate of $28.00, and a low estimate of $23.00. Witnessing a positive shift, the current average has risen by 3.0% from the previous average price target of $25.00.

Breaking Down Analyst Ratings: A Detailed Examination

An in-depth analysis of recent analyst actions unveils how financial experts perceive Upstart Hldgs. The following summary outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.

Key Insights:

• Action Taken: Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Upstart Hldgs. This information offers a snapshot of how analysts perceive the current state of the company.
• Rating: Unveiling insights, analysts deliver qualitative insights into stock performance, from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of Upstart Hldgs compared to the broader market.
• Price Targets: Understanding forecasts, analysts offer estimates for Upstart Hldgs's future value. Examining the current and prior targets provides insight into analysts' changing expectations.

Analyzing these analyst evaluations alongside relevant financial metrics can provide a comprehensive view of Upstart Hldgs's market position. Stay informed and make data-driven decisions with the assistance of our Ratings Table.

Stay up to date on Upstart Hldgs analyst ratings.

About Upstart Hldgs

Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners. Upstart's platform includes personal loans, automotive retail and refinance loans, home equity lines of credit and small dollar loans.

Financial Insights: Upstart Hldgs

Market Capitalization Perspectives: The company's market capitalization falls below industry averages, signaling a relatively smaller size compared to peers. This positioning may be influenced by factors such as perceived growth potential or operational scale.

Revenue Challenges: Upstart Hldgs's revenue growth over 3 months faced difficulties. As of 31 December, 2023, the company experienced a decline of approximately -5.17%. This indicates a decrease in top-line earnings. As compared to competitors, the company encountered difficulties, with a growth rate lower than the average among peers in the Financials sector.

Net Margin: Upstart Hldgs's net margin lags behind industry averages, suggesting challenges in maintaining strong profitability. With a net margin of -31.44%, the company may face hurdles in effective cost management.

Return on Equity (ROE): The company's ROE is below industry benchmarks, signaling potential difficulties in efficiently using equity capital. With an ROE of -6.65%, the company may need to address challenges in generating satisfactory returns for shareholders.

Return on Assets (ROA): Upstart Hldgs's ROA is below industry averages, indicating potential challenges in efficiently utilizing assets. With an ROA of -2.11%, the company may face hurdles in achieving optimal financial returns.

Debt Management: With a below-average debt-to-equity ratio of 1.74, Upstart Hldgs adopts a prudent financial strategy, indicating a balanced approach to debt management.

The Basics of Analyst Ratings

Ratings come from analysts, or specialists within banking and financial systems that report for specific stocks or defined sectors (typically once per quarter for each stock). Analysts usually derive their information from company conference calls and meetings, financial statements, and conversations with important insiders to reach their decisions.

Beyond their standard evaluations, some analysts contribute predictions for metrics like growth estimates, earnings, and revenue, furnishing investors with additional guidance. Users of analyst ratings should be mindful that this specialized advice is shaped by human perspectives and may be subject to variability.

This article was generated by Benzinga's automated content engine and reviewed by an editor.