Ratings for Upstart Hldgs UPST were provided by 9 analysts in the past three months, showcasing a mix of bullish and bearish perspectives.
The table below summarizes their recent ratings, showcasing the evolving sentiments within the past 30 days and comparing them to the preceding months.
| Bullish | Somewhat Bullish | Indifferent | Somewhat Bearish | Bearish | |
|---|---|---|---|---|---|
| Total Ratings | 4 | 1 | 1 | 2 | 1 |
| Last 30D | 2 | 1 | 1 | 1 | 1 |
| 1M Ago | 0 | 0 | 0 | 0 | 0 |
| 2M Ago | 0 | 0 | 0 | 0 | 0 |
| 3M Ago | 2 | 0 | 0 | 1 | 0 |
Providing deeper insights, analysts have established 12-month price targets, indicating an average target of $78.11, along with a high estimate of $108.00 and a low estimate of $15.00. This upward trend is evident, with the current average reflecting a 48.95% increase from the previous average price target of $52.44.
Understanding Analyst Ratings: A Comprehensive Breakdown
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.
| Analyst | Analyst Firm | Action Taken | Rating | Current Price Target | Prior Price Target |
|---|---|---|---|---|---|
| Michael Ng | Goldman Sachs | Raises | Sell | $15.00 | $13.50 |
| Nat Schindler | B of A Securities | Raises | Underperform | $39.00 | $33.00 |
| Kyle Peterson | Needham | Raises | Buy | $108.00 | $100.00 |
| Hal Goetsch | B. Riley Securities | Raises | Buy | $105.00 | $49.00 |
| Reginald Smith | JP Morgan | Raises | Neutral | $79.00 | $57.00 |
| Arvind Ramnani | Piper Sandler | Raises | Overweight | $105.00 | $85.00 |
| Kyle Peterson | Needham | Announces | Buy | $100.00 | - |
| Simon Clinch | Redburn Atlantic | Raises | Buy | $95.00 | $37.00 |
| Reginald Smith | JP Morgan | Raises | Underweight | $57.00 | $45.00 |
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: Analysts unravel qualitative evaluations for stocks, ranging from 'Outperform' to 'Underperform'. These ratings offer insights into 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.
Assessing these analyst evaluations alongside crucial financial indicators can provide a comprehensive overview of Upstart Hldgs's market position. Stay informed and make well-judged decisions with the assistance of 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.
Key Indicators: Upstart Hldgs's Financial Health
Market Capitalization Analysis: Reflecting a smaller scale, the company's market capitalization is positioned below industry averages. This could be attributed to factors such as growth expectations or operational capacity.
Positive Revenue Trend: Examining Upstart Hldgs's financials over 3 months reveals a positive narrative. The company achieved a noteworthy revenue growth rate of 20.5% as of 30 September, 2024, showcasing a substantial increase in top-line earnings. In comparison to its industry peers, the company stands out with a growth rate higher than the average among peers in the Financials sector.
Net Margin: The company's net margin is below industry benchmarks, signaling potential difficulties in achieving strong profitability. With a net margin of -4.17%, the company may need to address challenges in effective cost control.
Return on Equity (ROE): Upstart Hldgs's ROE is below industry averages, indicating potential challenges in efficiently utilizing equity capital. With an ROE of -1.14%, 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 -0.37%, the company may encounter challenges in delivering satisfactory returns from its assets.
Debt Management: Upstart Hldgs's debt-to-equity ratio is below the industry average. With a ratio of 1.58, the company relies less on debt financing, maintaining a healthier balance between debt and equity, which can be viewed positively by investors.
Understanding the Relevance of Analyst Ratings
Analyst ratings serve as essential indicators of stock performance, provided by experts in banking and financial systems. These specialists diligently analyze company financial statements, participate in conference calls, and engage with insiders to generate quarterly ratings for individual stocks.
Some analysts will also offer forecasts for metrics like growth estimates, earnings, and revenue to provide further guidance on stocks. Investors who use analyst ratings should note that this specialized advice comes from humans and may be subject to error.
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