Upstart Holdings, Inc. UPST · NASDAQ
$24.75 +8.84% (+$2.01)
Summary
49 / 100 · Bulios Score
What speaks for it
- The share price is below the Bulios Fair Price.
- Analysts expect revenue to grow by 32% this fiscal year.
What to watch
- Revenue growth is slowing: 8.0% a year over the last 3 years against 36% over 5 years.
- Out of every 100 USD of revenue, only 5.2 USD is left as net profit.
Bulios Scoring describes a company's quality and track record, not its future return. A high score is not a buy signal. Learn more
Score in detailPrice
Is it expensive?
Looks cheapBulios Fair Price is an estimate of a stock's fair value from the Bulios valuation model. It is an input for your own analysis, not investment advice. How does it work?
Today you pay 39.3 USD for 1 USD of yearly profit.
Valuation in detailIs it growing?
SlowlyRevenue (USD)
Diluted EPS (USD)
- Analyst estimate
Revenue grew by 36% a year over 5 years. Over the last 3 years it grew by 8.0% a year. For the next fiscal year analysts expect revenue to grow by 32%.
Growth in detailDoes it make money?
PoorlyWhere 100 USD of revenue goes
- Cost of sales 26 USD
- Research and development 6.9 USD
- Sales and administration 63 USD
- Taxes and other -1.1 USD
- Net profit 5.2 USD
Net profit, industry median (Financial - Credit Services) 16 USD
Out of every 100 USD of revenue, 5.2 USD is left as net profit.
Profitability in detailIs it financially healthy?
Banks and insurers work with their customers' money, so their debt is judged differently; see the health section for their capital figures.
Financial health in detailDoes it pay a dividend?
NoIt pays no dividend.
Dividends in detailWhat do analysts expect?
Mildly positive- Buy 10
- Hold 10
- Sell 2
Today's price within the analysts' price targets
The average target of $39.25 is 59% above today's price. 45% of the analysts recommend buying.
Analysts in detailWhat does it earn on?
Fiscal year 2025By product
- Servicing Fees, Net 52%
- Servicing Fees 33%
- Borrower Fees 9.7%
- Collection Agency Fees 4.8%
- Other Fees 0.9%
By region
The company reports no revenue by region.
Servicing Fees, Net brings in 52% of revenue. Other Fees grew fastest, by 93% a year.
Segments in detail