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Upstart (UPST)

(Real Time Quote from BATS)

$21.59 USD

21.59
749,595

-0.35 (-1.60%)

Updated Apr 16, 2024 10:28 AM ET

Zacks Rank:

This is our short term rating system that serves as a timeliness indicator for stocks over the next 1 to 3 months. How good is it? See rankings and related performance below.

Zacks Rank Definition Annualized Return
1Strong Buy24.15%
2Buy18.00%
3Hold9.44%
4Sell5.10%
5Strong Sell2.53%
S&P50011.08%

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3-Hold of 5     3    

Style Scores:

The Style Scores are a complementary set of indicators to use alongside the Zacks Rank. It allows the user to better focus on the stocks that are the best fit for his or her personal trading style.

The scores are based on the trading styles of Value, Growth, and Momentum. There's also a VGM Score ('V' for Value, 'G' for Growth and 'M' for Momentum), which combines the weighted average of the individual style scores into one score.

Value Score A
Growth Score A
Momentum Score A
VGM Score A

Within each Score, stocks are graded into five groups: A, B, C, D and F. As you might remember from your school days, an A, is better than a B; a B is better than a C; a C is better than a D; and a D is better than an F.

As an investor, you want to buy stocks with the highest probability of success. That means you want to buy stocks with a Zacks Rank #1 or #2, Strong Buy or Buy, which also has a Score of an A or a B in your personal trading style.

Zacks Style Scores Education - Learn more about the Zacks Style Scores

F Value F Growth B Momentum F VGM

Industry Rank:

The Zacks Industry Rank assigns a rating to each of the 265 X (Expanded) Industries based on their average Zacks Rank.

An industry with a larger percentage of Zacks Rank #1's and #2's will have a better average Zacks Rank than one with a larger percentage of Zacks Rank #4's and #5's.

The industry with the best average Zacks Rank would be considered the top industry (1 out of 265), which would place it in the top 1% of Zacks Ranked Industries. The industry with the worst average Zacks Rank (265 out of 265) would place in the bottom 1%.

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Zacks Industry Rank Education -- Learn more about the Zacks Industry Rank

Top 29% (74 out of 251)

Industry: Computers - IT Services

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Better trading starts here.

Balance Sheet

Research for UPST

The Zacks Equity Research reports, or ZER for short, are our in-house, independently produced research reports.

The ever popular one-page Snapshot reports are generated for virtually every single Zacks Ranked stock. It's packed with all of the company's key stats and salient decision making information. Including the Zacks Rank, Zacks Industry Rank, Style Scores, the Price, Consensus & Surprise chart, graphical estimate analysis and how a stocks stacks up to its peers.

The detailed multi-page Analyst report does an even deeper dive on the company's vital statistics. In addition to all of the proprietary analysis in the Snapshot, the report also visually displays the four components of the Zacks Rank (Agreement, Magnitude, Upside and Surprise); provides a comprehensive overview of the company business drivers, complete with earnings and sales charts; a recap of their last earnings report; and a bulleted list of reasons to buy or sell the stock. It also includes an industry comparison table to see how your stock compares to its expanded industry, and the S&P 500.

Researching stocks has never been so easy or insightful as with the ZER Analyst and Snapshot reports.

Learn more about Zacks Equity Research reports

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Fiscal Year End for Upstart Holdings, Inc falls in the month of December.

All items in Millions except Per Share data.

12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019
Assets          
Cash & Equivalents 509 574 1,231 311 80
Receivables 0 0 0 0 0
Notes Receivable 0 0 8 19 34
Inventories 0 0 0 0 0
Other Current Assets 0 0 0 0 0
Total Current Assets 509 574 1,240 330 114
Net Property & Equipment 43 44 24 10 6
Investments & Advances 1,197 1,010 252 78 232
Other Non-Current Assets 0 0 0 0 0
Deferred Charges 0 0 0 0 0
Intangibles 67 83 87 0 0
Deposits & Other Assets 146 139 121 40 25
Total Assets 2,017 1,936 1,820 477 393
Liabilities & Shareholders Equity 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019
Notes Payable 195 91 108 46 116
Accounts Payable 13 19 7 14 7
Current Portion Long-Term Debt 1,040 986 695 63 119
Current Portion Capital Leases 0 0 0 0 0
Accrued Expenses 71 67 103 36 35
Income Taxes Payable 0 0 0 0 0
Other Current Liabilities 0 0 0 0 0
Total Current Liabilities 1,319 1,163 913 158 276
Mortgages 0 0 0 0 0
Deferred Taxes/Income 0 0 0 0 0
Convertible Debt 0 0 0 0 0
Long-Term Debt 0 0 0 0 0
Non-Current Capital Leases 0 0 0 0 0
Other Non-Current Liabilities 0 0 0 0 0
Minority Interest (Liabilities) 0 0 0 0 0
Total Liabilities 1,382 1,264 1,013 177 293
Shareholders Equity 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019
Preferred Stock 0 0 0 0 163
Common Stock (Par) 0 0 0 0 0
Capital Surplus 918 715 741 369 12
Retained Earnings -283 -42 66 -69 -75
Other Equity 0 0 0 0 1
Treasury Stock 0 0 0 0 0
Total Shareholder's Equity 635 672 807 300 101
Total Liabilities & Shareholder's Equity 2,017 1,936 1,820 477 393
Total Common Equity 635 672 807 300 -62
Shares Outstanding 85.00 81.80 81.90 72.40 NA
Book Value Per Share 7.47 8.22 9.85 4.15 0.00

Fiscal Year End for Upstart Holdings, Inc falls in the month of December.

All items in Millions except Per Share data.

3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023
Assets          
Cash & Equivalents -99,999 509 656 551 493
Receivables NA 0 0 0 0
Notes Receivable NA 0 0 0 0
Inventories NA 0 0 0 0
Other Current Assets NA 0 0 0 0
Total Current Assets NA 509 656 551 493
Net Property & Equipment NA 43 48 47 47
Investments & Advances NA 1,197 1,009 866 982
Other Non-Current Assets NA 0 0 0 0
Deferred Charges NA 0 0 0 0
Intangibles NA 67 67 67 82
Deposits & Other Assets NA 146 144 152 134
Total Assets NA 2,017 2,002 1,764 1,822
Liabilities & Shareholders Equity 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023
Notes Payable NA 195 205 44 41
Accounts Payable NA 13 7 7 7
Current Portion Long-Term Debt NA 1,040 1,003 931 1,001
Current Portion Capital Leases NA 0 0 0 0
Accrued Expenses NA 71 52 48 47
Income Taxes Payable NA 0 0 0 0
Other Current Liabilities NA 0 0 0 0
Total Current Liabilities NA 1,319 1,268 1,029 1,095
Mortgages NA 0 0 0 0
Deferred Taxes/Income NA 0 0 0 0
Convertible Debt NA 0 0 0 0
Long-Term Debt NA 0 0 0 0
Non-Current Capital Leases NA 0 0 0 0
Other Non-Current Liabilities NA 0 0 0
Minority Interest (Liabilities) NA 0 0 0 0
Total Liabilities NA 1,382 1,361 1,126 1,195
Shareholders Equity 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023
Preferred Stock NA 0 0 0 0
Common Stock (Par) NA 0 0 0 0
Capital Surplus NA 918 881 838 799
Retained Earnings NA -283 -240 -200 -172
Other Equity NA 0 0 0 0
Treasury Stock NA 0 0 0 0
Total Shareholder's Equity NA 635 641 638 627
Total Liabilities & Shareholder's Equity NA 2,017 2,002 1,764 1,822
Total Common Equity 0 635 641 638 627
Shares Outstanding 86.40 85.00 83.80 82.60 81.30
Book Value Per Share 0.00 7.47 7.65 7.73 7.71