Upstart Holdings Revenue vs. Net Income
| UPST Stock | USD 28.36 0.12 0.42% |
Total Revenue | First Reported 2019-09-30 | Previous Quarter 285.9 M | Current Value 304.2 M | Quarterly Volatility 85 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Gross Profit Margin | 0.75 | 0.9521 |
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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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Upstart Holdings Revenue Breakdown by Earning Segment
By analyzing Upstart Holdings' earnings estimates, investors can diagnose different trends across Upstart Holdings' analyst sentiment over time as well as compare current estimates against different timeframes.
Is there potential for Consumer Finance market expansion? Will Upstart introduce new products? 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. Understanding fair value requires weighing current performance against future potential. 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 0.45 | Revenue Per Share | Quarterly Revenue Growth 0.344 | Return On Assets |
Investors evaluate Upstart Holdings using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Upstart Holdings' intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. External factors like market trends, sector rotation, and investor psychology can cause Upstart Holdings' market price to deviate significantly 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. Conversely, Upstart Holdings' market price signifies the transaction level at which participants voluntarily complete trades.
Upstart Holdings Net Income vs. Revenue 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. Upstart Holdings is rated below average in revenue category among its peers. It also is rated below average in net income category among its peers making up about 0.05 of Net Income per Revenue. The ratio of Revenue to Net Income for Upstart Holdings is roughly 20.07 . At this time, Upstart Holdings' Total Revenue 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 Revenue vs. Competition
Upstart Holdings is rated below average in revenue category among its peers. Market size based on revenue of Financials industry is at this time estimated at about 152.72 Billion. Upstart Holdings maintains roughly 1.08 Billion in revenue contributing less than 1% to equities under Financials industry.
Upstart Net Income vs. Revenue
Revenue is income that a firm generates from business activities such us rendering services or selling goods to customers. It is a crucial part of a business and an essential item when evaluating a company's financial statements. Revenues from a firm's primary business operations can be reported on the income statement as sales revenue, net sales, or simply sales, depending on the industry in which a given company operates.
Upstart Holdings |
| = | 1.08 B |
Revenue is typically recorded when cash or cash equivalents are exchanged for services or goods and can include products or services discounts, promotions, as well as early payments on invoices or services rendered in advance.
Net income is the profit of a company for the reporting period, which is derived after taking revenues and gains and subtracting all expenses and losses. Net income is one of the most-watched numbers by money managers as well as individual investors.
Upstart Holdings |
| = | 53.6 M |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
Upstart Net Income Comparison
Upstart Holdings is currently under evaluation in net income category among its peers.
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 Reported | Projected for Next Year | ||
| Net Interest Income | 152.7 M | 160.3 M | |
| Interest Income | 204.2 M | 214.4 M | |
| Operating Income | 54.3 M | 57 M | |
| Net Income From Continuing Ops | 53.6 M | 56.3 M | |
| Income Before Tax | 54.3 M | 57 M | |
| Total Other Income Expense Net | 11.7 M | 12.3 M | |
| Net Loss | -97.8 M | -92.9 M | |
| Net Income | 53.6 M | 56.3 M | |
| Income Tax Expense | 728 K | 764.4 K | |
| Non Operating Income Net Other | 10.9 M | 11.4 M | |
| Change To Netincome | -764.8 M | -726.6 M | |
| Net Income Per Share | 0.56 | 0.59 | |
| Income Quality | (2.76) | (2.62) | |
| Net Income Per E B T | 0.99 | 0.72 |
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.
Upstart Holdings Earnings per Share Projection vs Actual
Use Upstart Holdings in pair-trading
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Upstart Holdings position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Upstart Holdings will appreciate offsetting losses from the drop in the long position's value.Upstart Holdings Pair Trading
Upstart Holdings Pair Trading Analysis
The ability to find closely correlated positions to Upstart Holdings could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Upstart Holdings when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Upstart Holdings - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Upstart Holdings to buy it.
The correlation of Upstart Holdings is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Upstart Holdings moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Upstart Holdings moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Upstart Holdings can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.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.Did You Try This Idea?
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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.