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Last update at 2025-01-17T21:23:00Z
3 No-Brainer Fintech Stocks to Buy With $200 Right Now
Sat 18 Jan 25, 10:35 AMWhere Will Upstart Stock Be in 5 Years?
Sat 18 Jan 25, 10:30 AMReflecting On Vertical Software Stocks’ Q3 Earnings: Toast (NYSE:TOST)
Fri 17 Jan 25, 09:04 AMQ3 Earnings Roundup: Olo (NYSE:OLO) And The Rest Of The Vertical Software Segment
Thu 16 Jan 25, 09:02 AMWhy Upstart Holdings (UPST) Is Among Wednesday’s Top Gainers?
Thu 16 Jan 25, 07:40 AMUpstart Announces Enhancements to Auto Retail Platform
Wed 15 Jan 25, 06:35 PMSpotting Winners: Doximity (NYSE:DOCS) And Vertical Software Stocks In Q3
Tue 14 Jan 25, 09:06 AM| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Income before tax | -109.07400M | 133.73M | 5.95M | -4.94600M | -11.21800M |
| Minority interest | 0.00000M | 0.00000M | -0.40400M | 1.03M | 1.10M |
| Net income | -108.66500M | 135.44M | 5.58M | -5.02000M | -11.21800M |
| Selling general administrative | 373.28M | 240.26M | 83.19M | 56.81M | 35.24M |
| Selling and marketing expenses | 345.78M | 333.45M | 99.66M | 93.17M | 63.63M |
| Gross profit | 654.45M | 731.01M | 195.84M | 139.24M | 83.90M |
| Reconciled depreciation | 13.51M | 7.54M | 2.28M | 0.77M | 0.31M |
| Ebit | -113.86300M | 140.88M | 11.77M | -4.57500M | -7.97100M |
| Ebitda | -100.35000M | 148.42M | 14.04M | -3.80100M | -7.65700M |
| Depreciation and amortization | 13.51M | 7.54M | 2.28M | 0.77M | 0.31M |
| Non operating income net other | 9.47M | -5.17400M | - | - | - |
| Operating income | -113.86300M | 140.88M | 11.77M | -4.57500M | -7.97100M |
| Other operating expenses | 965.78M | 568.53M | 188.40M | 151.02M | 81.90M |
| Interest expense | 10.84M | 3.27M | 8.03M | 26.48M | 26.48M |
| Tax provision | -0.40900M | -1.71200M | 0.37M | 0.07M | 0.00000M |
| Interest income | 105.58M | 50.59M | 12.84M | 30.83M | 37.31M |
| Net interest income | 94.74M | 47.31M | 4.82M | 4.34M | 10.83M |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | -0.40900M | -1.71200M | 0.37M | 0.07M | 1.10M |
| Total revenue | 842.44M | 848.59M | 233.42M | 164.19M | 99.31M |
| Total operating expenses | 956.31M | 707.71M | 221.65M | 168.76M | 107.28M |
| Cost of revenue | 187.99M | 117.58M | 37.58M | 24.95M | 15.42M |
| Total other income expense net | -11.66100M | -7.15000M | -0.40400M | -4.55400M | -25.38200M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | -103.98100M | 135.44M | 5.58M | -5.02000M | -11.21800M |
| Net income applicable to common shares | -108.66500M | 135.44M | 5.98M | -0.46600M | -12.31900M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | 2017.10M | 1936.05M | 1820.45M | 477.25M | 393.46M |
| Intangible assets | 11.36M | 15.63M | 19.91M | - | - |
| Earning assets | - | - | - | - | - |
| Other current assets | 1270.64M | 110.06M | 514.32M | -38.67700M | 35.68M |
| Total liab | 1381.80M | 1263.62M | 1013.38M | 177.00M | 455.15M |
| Total stockholder equity | 635.30M | 672.43M | 807.08M | 300.25M | -62.71400M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | 111.84M | -235.66500M | -54.59300M | -54.26900M | -91.15500M |
| Common stock | 0.00900M | 0.00800M | 0.00800M | 0.00700M | 0.00200M |
| Capital stock | 0.00900M | 0.00800M | 0.00800M | 0.00700M | 0.00200M |
| Retained earnings | -282.57600M | -42.44400M | 66.22M | -69.22200M | -75.20500M |
| Other liab | - | 103.57M | 107.60M | 46.83M | 21.07M |
| Good will | 67.06M | 67.06M | 67.06M | - | - |
| Other assets | 0.00000M | 1259.20M | 578.21M | 179.02M | 277.99M |
| Cash | 467.79M | 422.41M | 986.61M | 250.82M | 50.82M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 139.42M | 119.50M | 54.59M | 54.27M | 91.16M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | 776.38M | 1001.22M | -190.81000M | -168.76100M | 84.85M |
| Short term debt | 14.97M | 336.45M | 48.03M | 40.49M | 84.60M |
| Short long term debt | 387.43M | 336.45M | 48.03M | 40.49M | 84.60M |
| Short long term debt total | 1244.16M | 1423.63M | 795.80M | 82.06M | 135.67M |
| Other stockholder equity | 917.87M | 714.87M | 740.85M | 369.47M | 12.49M |
| Property plant equipment | - | 44.17M | 120.38M | 22.34M | 20.02M |
| Total current assets | 467.79M | 463.66M | 994.90M | 269.89M | 93.25M |
| Long term investments | 41.25M | 41.25M | 40.00M | - | - |
| Net tangible assets | - | 589.74M | 720.11M | 294.25M | -64.91400M |
| Short term investments | 41.25M | 41.25M | 8.38M | - | - |
| Net receivables | 55.34M | 52.83M | 8.29M | 19.07M | 42.44M |
| Long term debt | 653.00M | 986.39M | 695.43M | 62.63M | 34.01M |
| Inventory | -1325.97900M | - | 55.52M | - | - |
| Accounts payable | 12.61M | 18.71M | 6.56M | 13.78M | 6.56M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | - | - | - | -477.25500M | -1.41400M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | 0.00800M | 0.00800M | 0.00700M | 0.00200M |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | -42.44400M | 66.22M | - | - |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | 45.48M | -41.25000M | -247.34500M | -28.34200M | -22.22000M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 1549.31M | 213.20M | 247.34M | 28.34M | 22.22M |
| Capital lease obligations | 62.32M | 100.79M | 100.37M | 19.43M | 17.06M |
| Long term debt total | - | 986.39M | 695.43M | - | - |
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Investments | -91.21200M | -40.00000M | 136.52M | 45.43M | -137.23700M |
| Change to liabilities | -19.42200M | -7.51300M | 7.03M | 3.61M | 1.12M |
| Total cashflows from investing activities | -114.12500M | -143.87700M | 136.52M | 45.43M | -137.23700M |
| Net borrowings | 287.92M | 647.11M | -82.18200M | -115.96400M | 87.84M |
| Total cash from financing activities | 130.03M | 855.43M | 79.05M | -119.19000M | 135.77M |
| Change to operating activities | -860.53800M | -35.14300M | -39.08500M | -3.58000M | 12.81M |
| Net income | -108.66500M | 135.44M | 5.58M | -5.02000M | -11.21800M |
| Change in cash | -658.77400M | 879.91M | 231.27M | -42.17500M | 48.87M |
| Begin period cash flow | 1191.24M | 311.33M | 80.07M | 122.24M | 73.38M |
| End period cash flow | 532.47M | 1191.24M | 311.33M | 80.07M | 122.24M |
| Total cash from operating activities | -674.68100M | 168.35M | 15.70M | 31.58M | 50.34M |
| Issuance of capital stock | 0.00000M | 263.93M | 159.49M | 1.91M | 49.92M |
| Depreciation | 13.51M | 7.54M | 2.28M | 0.77M | 0.31M |
| Other cashflows from investing activities | -14.08800M | 11.46M | 14.66M | 8.28M | 1.23M |
| Dividends paid | - | - | - | - | - |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | - | - | - | - | - |
| Sale purchase of stock | -177.88300M | 282.81M | 0.00000M | -0.66100M | 0.00000M |
| Other cashflows from financing activities | 708.81M | 662.82M | 93.80M | 190.79M | 476.96M |
| Change to netincome | -849.82000M | 68.03M | 39.49M | 31.24M | 48.41M |
| Capital expenditures | 22.91M | 15.12M | 5.61M | 5.28M | 1.04M |
| Change receivables | - | - | - | - | - |
| Cash flows other operating | 289.71M | 4.70M | - | - | - |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | -658.77400M | 879.91M | - | - | - |
| Change in working capital | -21.86600M | 55.24M | 18.25M | 0.03M | 13.93M |
| Stock based compensation | 125.94M | 73.19M | 11.51M | 3.81M | 2.04M |
| Other non cash items | -683.60800M | -102.83300M | -50.97500M | 0.93M | 2.98M |
| Free cash flow | -697.59400M | 153.24M | 10.09M | 26.30M | 49.29M |
Sector: Financial Services Industry: Credit Services
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | ||
|---|---|---|---|---|---|---|---|---|
| UPST Upstart Holdings Inc |
-1.54 2.39% | 62.96 | - | 44.84 | 3.81 | 3.29 | ||
| V Visa Inc. Class A |
2.37 0.75% | 319.62 | 31.25 | 25.97 | 16.18 | 13.64 | 16.19 | 23.37 |
| MA Mastercard Inc |
1.56 0.30% | 524.70 | 37.04 | 29.50 | 16.14 | 62.35 | 16.47 | 27.24 |
| AXP American Express Company |
1.08 0.35% | 312.56 | 21.83 | 20.04 | 3.53 | 7.21 | 4.18 | |
| PYPL PayPal Holdings Inc |
2.89 3.25% | 91.81 | 15.53 | 12.61 | 2.28 | 3.23 | 2.14 | 9.31 |
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small dollar loans that connects consumer demand for loans to its to bank and credit unions. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.
2950 South Delaware Street, San Mateo, CA, United States, 94403
| Name | Title | Year Born |
|---|---|---|
| Mr. David J. Girouard | Co-Founder, Pres, CEO & Chairperson of the Board | 1966 |
| Mr. Paul Gu | Co-Founder, CTO & Director | 1991 |
| Ms. Anna M. Counselman | Co-Founder & Sr. VP of Bus. Operations | 1981 |
| Mr. Sanjay Datta CFA | Chief Financial Officer | NA |
| Ms. Alison Nicoll | Gen. Counsel & Sec. | 1972 |
| Mr. Jason Schmidt | VP of Investor Relations | NA |
| Ms. Annie Delgado | Chief Compliance Officer | NA |
| Scott Darling | Chief Legal Officer & Corp. Sec. | NA |
| Ms. Pavi Ramamurthy | Chief Information Security Officer | NA |
| Natalia Mirgorodskaya | Corp. Controller | NA |
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