9 analysts have shared their evaluations of Upstart Hldgs UPST during the recent three months, expressing a mix of bullish and bearish perspectives.
The following table provides a quick overview of their recent ratings, highlighting the changing sentiments over the past 30 days and comparing them to the preceding months.
| Bullish | Somewhat Bullish | Indifferent | Somewhat Bearish | Bearish | |
|---|---|---|---|---|---|
| Total Ratings | 0 | 1 | 4 | 3 | 1 |
| Last 30D | 0 | 0 | 0 | 1 | 0 |
| 1M Ago | 0 | 1 | 3 | 2 | 0 |
| 2M Ago | 0 | 0 | 0 | 0 | 0 |
| 3M Ago | 0 | 0 | 1 | 0 | 1 |
Analysts' evaluations of 12-month price targets offer additional insights, showcasing an average target of $26.28, with a high estimate of $35.00 and a low estimate of $10.00. This upward trend is evident, with the current average reflecting a 24.79% increase from the previous average price target of $21.06.
Interpreting Analyst Ratings: A Closer Look
The analysis of recent analyst actions sheds light on the perception of Upstart Hldgs by financial experts. The following summary presents key analysts, their recent evaluations, and adjustments to ratings and price targets.
| Analyst | Analyst Firm | Action Taken | Rating | Current Price Target | Prior Price Target |
|---|---|---|---|---|---|
| Reginald Smith | JP Morgan | Raises | Underweight | $30.00 | $27.00 |
| Ramsey El-Assal | Barclays | Raises | Equal-Weight | $35.00 | $25.00 |
| Reginald Smith | JP Morgan | Raises | Underweight | $27.00 | $24.00 |
| David Chiaverini | Wedbush | Maintains | Underperform | $10.00 | $10.00 |
| Arvind Ramnani | Piper Sandler | Raises | Neutral | $31.00 | $28.00 |
| Peter Christiansen | Citigroup | Raises | Neutral | $33.00 | $15.00 |
| Dan Dolev | Mizuho | Raises | Outperform | $31.00 | $17.00 |
| Vincent Caintic | BTIG | Announces | Sell | $14.00 | - |
| Simon Clinch | Redburn Atlantic | Raises | Neutral | $25.50 | $22.50 |
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: Gaining insights, analysts provide qualitative assessments, ranging from 'Outperform' to 'Underperform'. These ratings reflect expectations for the relative performance of Upstart Hldgs compared to the broader market.
- Price Targets: Analysts set price targets as an estimate of a stock's future value. Comparing the current and prior price targets provides insight into how analysts' expectations have changed over time. This information can be valuable for investors seeking to understand consensus views on the stock's potential future performance.
To gain a panoramic view of Upstart Hldgs's market performance, explore these analyst evaluations alongside essential financial indicators. Stay informed and make judicious decisions using our Ratings Table.
Stay up to date on Upstart Hldgs analyst ratings.
Discovering Upstart Hldgs: A Closer Look
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: A Financial Overview
Market Capitalization: With restricted market capitalization, the company is positioned below industry averages. This reflects a smaller scale relative to peers.
Decline in Revenue: Over the 3 months period, Upstart Hldgs faced challenges, resulting in a decline of approximately -5.99% in revenue growth as of 30 June, 2024. This signifies a reduction in the company's top-line earnings. In comparison to its industry peers, the company trails behind 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 -42.68%, the company may face hurdles in effective cost management.
Return on Equity (ROE): Upstart Hldgs's ROE is below industry standards, pointing towards difficulties in efficiently utilizing equity capital. With an ROE of -9.02%, the company may encounter challenges in delivering satisfactory returns for shareholders.
Return on Assets (ROA): Upstart Hldgs's ROA is below industry standards, pointing towards difficulties in efficiently utilizing assets. With an ROA of -2.91%, the company may encounter challenges in delivering satisfactory returns from its assets.
Debt Management: The company maintains a balanced debt approach with a debt-to-equity ratio below industry norms, standing at 1.63.
Analyst Ratings: Simplified
Within the domain of banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their work involves attending company conference calls and meetings, researching company financial statements, and communicating with insiders to publish "analyst ratings" for stocks. Analysts typically assess and rate each stock once per quarter.
In addition to their assessments, some analysts extend their insights by offering predictions for key metrics such as earnings, revenue, and growth estimates. This supplementary information provides further guidance for traders. It is crucial to recognize that, despite their specialization, analysts are human and can only provide forecasts based on their beliefs.
This article was generated by Benzinga's automated content engine and reviewed by an editor.
© 2024 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.
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