Forecasting The Future: 5 Analyst Projections For Upstart Hldgs

In the preceding three months, 5 analysts have released ratings for Upstart Hldgs UPST, presenting a wide array of perspectives from bullish to bearish.

The table below offers a condensed view of their recent ratings, showcasing the changing sentiments over the past 30 days and comparing them to the preceding months.

The 12-month price targets, analyzed by analysts, offer insights with an average target of $25.0, a high estimate of $28.00, and a low estimate of $22.00. Holding firm without variation, the current average remains at the previous average price target.

Deciphering Analyst Ratings: An In-Depth Analysis

The standing of Upstart Hldgs among financial experts is revealed through an in-depth exploration of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.

Key Insights:

• Action Taken: Analysts adapt their recommendations to changing market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their response to recent developments related to Upstart Hldgs. This information provides a snapshot of how analysts perceive the current state of the company.
• Rating: Offering insights into predictions, analysts assign qualitative values, from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of Upstart Hldgs compared to the broader market.
• Price Targets: Analysts predict movements in price targets, offering estimates for Upstart Hldgs's future value. Examining the current and prior targets offers insights into analysts' evolving expectations.

Navigating through these analyst evaluations alongside other financial indicators can contribute to a holistic understanding of Upstart Hldgs's market standing. Stay informed and make data-driven decisions with our Ratings Table.

Stay up to date on Upstart Hldgs analyst ratings.

Get to Know Upstart Hldgs Better

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.

Upstart Hldgs: Delving into Financials

Market Capitalization Analysis: Positioned below industry benchmarks, the company's market capitalization faces constraints in size. This could be influenced by factors such as growth expectations or operational capacity.

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 falls below industry averages, indicating challenges in achieving strong profitability. With a net margin of -31.44%, the company may face hurdles in effective cost management.

Return on Equity (ROE): Upstart Hldgs's ROE is below industry averages, indicating potential challenges in efficiently utilizing equity capital. With an ROE of -6.65%, the company may face hurdles in achieving optimal financial returns.

Return on Assets (ROA): Upstart Hldgs's ROA is below industry standards, pointing towards difficulties in efficiently utilizing assets. With an ROA of -2.11%, the company may encounter challenges in delivering satisfactory returns from its assets.

Debt Management: Upstart Hldgs's debt-to-equity ratio is below industry norms, indicating a sound financial structure with a ratio of 1.74.

Analyst Ratings: What Are They?

Experts in banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their comprehensive research involves attending company conference calls and meetings, analyzing financial statements, and engaging with insiders to generate what are known as analyst ratings for stocks. Typically, analysts assess and rate each stock once per quarter.

Analysts may supplement their ratings with predictions for metrics like growth estimates, earnings, and revenue, offering investors a more comprehensive outlook. However, investors should be mindful that analysts, like any human, can have subjective perspectives influencing their forecasts.

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