Upstart Holdings Price To Earning vs. Market Capitalization

UPST Stock  USD 71.77  7.44  9.39%   
Based on Upstart Holdings' profitability indicators, Upstart Holdings may not be well positioned to generate adequate gross income at the present time. It has a very high chance of underperforming in March. Profitability indicators assess Upstart Holdings' ability to earn profits and add value for shareholders. At this time, Upstart Holdings' EV To Sales is comparatively stable compared to the past year. Operating Cash Flow Sales Ratio is likely to gain to 0.31 in 2025, whereas Price To Sales Ratio is likely to drop 6.36 in 2025. At this time, Upstart Holdings' Net Interest Income is comparatively stable compared to the past year. Interest Income is likely to gain to about 195.7 M in 2025, despite the fact that Income Before Tax is likely to grow to (122 M).
Current ValueLast YearChange From Last Year 10 Year Trend
Gross Profit Margin0.690.86
Significantly Down
Pretty Stable
For Upstart Holdings profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Upstart Holdings to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Upstart Holdings utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Upstart Holdings's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Upstart Holdings over time as well as its relative position and ranking within its peers.
  

Upstart Holdings' Revenue Breakdown by Earning Segment

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For more information on how to buy Upstart Stock please use our How to Invest in Upstart Holdings guide.
Is Consumer Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Upstart Holdings. If investors know Upstart will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Upstart Holdings listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
2.091
Earnings Share
(1.44)
Revenue Per Share
7.568
Quarterly Revenue Growth
0.466
Return On Assets
(0.04)
The market value of Upstart Holdings is measured differently than its book value, which is the value of Upstart that is recorded on the company's balance sheet. Investors also form their own opinion of Upstart Holdings' value that differs from its market value or its book value, called intrinsic value, which is Upstart Holdings' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Upstart Holdings' market value can be influenced by many factors that don't directly affect Upstart Holdings' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Upstart Holdings' value and its price as these two are different measures arrived at by different means. Investors typically determine if Upstart Holdings is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Upstart Holdings' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

Upstart Holdings Market Capitalization vs. Price To Earning Fundamental Analysis

Comparative valuation techniques use various fundamental indicators to help in determining Upstart Holdings's current stock value. Our valuation model uses many indicators to compare Upstart Holdings value to that of its competitors to determine the firm's financial worth.
JavaScript chart by amCharts 3.21.15VPYPLMAAXPCOFALLYUPST 0100B200B300B400B500B600B700B 010203040
Upstart Holdings is rated fourth in price to earning category among its peers. It is rated below average in market capitalization category among its peers creating about  374,062,188  of Market Capitalization per Price To Earning. At this time, Upstart Holdings' Market Cap is comparatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Upstart Holdings by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Upstart Market Capitalization vs. Price To Earning

Price to Earnings ratio is typically used for current valuation of a company and is one of the most popular ratios that investors monitor daily. Holding a low PE stock is less risky because when a company's profitability falls, it is likely that earnings will also go down as well. In other words, if you start from a lower position, your downside risk is limited. There are also some investors who believe that low Price to Earnings ratio reflects the low pricing because a given company is in trouble. On the other hand, a higher PE ratio means that investors are paying more for each unit of profit.

Upstart Holdings

P/E

 = 

Market Value Per Share

Earnings Per Share

 = 
17.98 X
Generally speaking, the Price to Earnings ratio gives investors an idea of what the market is willing to pay for the company's current earnings.
Market Capitalization is the total market value of a company's equity. It is one of many ways to value a company and is calculated by multiplying the price of the stock by the number of shares issued. If a firm has one type of stock its market capitalization will be the current market share price multiplied by the number of shares. However, if a company has multiple types of equities then the market cap will be the total of the market caps of the different types of shares.

Upstart Holdings

Market Cap

 = 

Shares Outstanding

X

Share Price

 = 
6.73 B
In most publications or references market cap is broken down into the mega-cap, large-cap, mid-cap, small-cap, micro-cap, and nano-cap. Market Cap is a measurement of business as total market value of all of the outstanding shares at a given time, and can be used to compare different companies based on their size.

Upstart Market Capitalization vs Competition

Upstart Holdings is rated below average in market capitalization category among its peers. Market capitalization of Financials industry is at this time estimated at about 1.57 Trillion. Upstart Holdings adds roughly 6.73 Billion in market capitalization claiming only tiny portion of equities under Financials industry.
JavaScript chart by amCharts 3.21.15OthersCOFAXPMAVUPST
Capitalization  Total debt  Valuation  Revenue  Workforce

Upstart Holdings Profitability Projections

The most important aspect of a successful company is its ability to generate a profit. For investors in Upstart Holdings, profitability is also one of the essential criteria for including it into their portfolios because, without profit, Upstart Holdings will eventually generate negative long term returns. The profitability progress is the general direction of Upstart Holdings' change in net profit over the period of time. It can combine multiple indicators of Upstart Holdings, where stable trends show no significant progress. An accelerating trend is seen as positive, while a decreasing one is unfavorable. A rising trend means that profits are rising, and operational efficiency may be rising as well. A decreasing trend is a sign of poor performance and may indicate upcoming losses.
Last ReportedProjected for Next Year
Net Interest Income138.2 M145.1 M
Interest Income186.4 M195.7 M
Operating Income-172.9 M-164.2 M
Net Loss-128.6 M-122.2 M
Income Before Tax-128.4 M-122 M
Total Other Income Expense Net44.5 M46.7 M
Net Loss-97.8 M-92.9 M
Net Income258 K270.9 K
Income Tax Expense185 K194.2 K
Non Operating Income Net Other10.9 M11.4 M
Change To Netincome-764.8 M-726.6 M
Net Loss(1.44)(1.37)
Income Quality 722.21  758.32 
Net Income Per E B T 1.00  0.71 

Upstart Profitability Driver Comparison

Profitability drivers are factors that can directly affect your investment outlook on Upstart Holdings. Investors often realize that things won't turn out the way they predict. There are maybe way too many unforeseen events and contingencies during the holding period of Upstart Holdings position where the market behavior may be hard to predict, tax policy changes, gold or oil price hikes, calamities change, and many others. The question is, are you prepared for these unexpected events? Although some of these situations are obviously beyond your control, you can still follow the important profit indicators to know where you should focus on when things like this occur. Below are some of the Upstart Holdings' important profitability drivers and their relationship over time.

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Our tools can tell you how much better you can do entering a position in Upstart Holdings without increasing your portfolio risk or giving up the expected return. As an individual investor, you need to find a reliable way to track all your investment portfolios. However, your requirements will often be based on how much of the process you decide to do yourself. In addition to allowing all investors analytical transparency into all their portfolios, our tools can evaluate risk-adjusted returns of your individual positions relative to your overall portfolio.

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Risk-Return Analysis

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Use Investing Themes to Complement your Upstart Holdings position

In addition to having Upstart Holdings in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.

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Warren Buffett Holdings
Warren Buffett Holdings Theme
A long-term portfolio of publicly-traded stocks on US exchanges that are owned by Warren Buffett's holding company Berkshire Hathaway. The Warren Buffett Holdings theme has 43 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Warren Buffett Holdings Theme or any other thematic opportunities.
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Additional Tools for Upstart Stock Analysis

When running Upstart Holdings' price analysis, check to measure Upstart Holdings' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Upstart Holdings is operating at the current time. Most of Upstart Holdings' value examination focuses on studying past and present price action to predict the probability of Upstart Holdings' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Upstart Holdings' price. Additionally, you may evaluate how the addition of Upstart Holdings to your portfolios can decrease your overall portfolio volatility.

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