Expert Outlook: Upstart Hldgs Through The Eyes Of 5 Analysts

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5 analysts have expressed a variety of opinions on Upstart Hldgs UPST over the past quarter, offering a diverse set of opinions from bullish to bearish.

The following table encapsulates their recent ratings, offering a glimpse into the evolving sentiments over the past 30 days and comparing them to the preceding months.

Bullish Somewhat Bullish Indifferent Somewhat Bearish Bearish
Total Ratings 0 0 2 3 0
Last 30D 0 0 1 0 0
1M Ago 0 0 0 2 0
2M Ago 0 0 0 0 0
3M Ago 0 0 1 1 0

Providing deeper insights, analysts have established 12-month price targets, indicating an average target of $20.5, along with a high estimate of $28.00 and a low estimate of $10.00. Experiencing a 16.33% decline, the current average is now lower than the previous average price target of $24.50.

Breaking Down Analyst Ratings: A Detailed Examination

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
Simon Clinch Redburn Atlantic Raises Neutral $25.50 $22.50
Dan Dolev Mizuho Lowers Underperform $17.00 $23.00
David Chiaverini Wedbush Maintains Underperform $10.00 -
Nat Schindler B of A Securities Announces Underperform $22.00 -
Arvind Ramnani Piper Sandler Maintains Neutral $28.00 $28.00

Key Insights:

  • Action Taken: Responding to changing market dynamics and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their response to recent developments related to Upstart Hldgs. This offers insight into analysts' perspectives on 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 provide insights into price targets, offering estimates for the future value of Upstart Hldgs's stock. This comparison reveals trends in analysts' expectations over time.

Analyzing these analyst evaluations alongside relevant financial metrics can provide a comprehensive view of Upstart Hldgs's market position. Stay informed and make data-driven decisions with the assistance of 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.

Financial Milestones: Upstart Hldgs's Journey

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 Growth: Upstart Hldgs's revenue growth over a period of 3 months has been noteworthy. As of 31 March, 2024, the company achieved a revenue growth rate of approximately 24.16%. This indicates a substantial increase in the company's top-line earnings. As compared to its peers, the company achieved a growth rate higher than the average among peers in 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 -50.55%, the company may need to address challenges in effective cost control.

Return on Equity (ROE): Upstart Hldgs's ROE falls below industry averages, indicating challenges in efficiently using equity capital. With an ROE of -10.35%, the company may face hurdles in generating optimal 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 -3.28%, the company may encounter challenges in delivering satisfactory returns from its assets.

Debt Management: With a below-average debt-to-equity ratio of 1.74, Upstart Hldgs adopts a prudent financial strategy, indicating a balanced approach to debt management.

What Are 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.

Analysts may enhance their evaluations by incorporating forecasts for metrics like growth estimates, earnings, and revenue, delivering additional guidance to investors. It is vital to acknowledge that, although experts in stocks and sectors, analysts are human and express their opinions when providing insights.

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

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