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Upturn AI SWOT - About
UPST 
Upstart Holdings Inc (UPST)
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Upturn Advisory Summary
04/01/2025: UPST (4-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 4.62% | Avg. Invested days 27 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.31B USD | Price to earnings Ratio - | 1Y Target Price 79 |
Price to earnings Ratio - | 1Y Target Price 79 | ||
Volume (30-day avg) 5127751 | Beta 2.25 | 52 Weeks Range 20.60 - 96.43 | Updated Date 04/2/2025 |
52 Weeks Range 20.60 - 96.43 | Updated Date 04/2/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -1.44 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -18.99% | Operating Margin (TTM) 1.18% |
Management Effectiveness
Return on Assets (TTM) -3.78% | Return on Equity (TTM) -20.27% |
Valuation
Trailing PE - | Forward PE 47.85 | Enterprise Value 5055001600 | Price to Sales(TTM) 6.37 |
Enterprise Value 5055001600 | Price to Sales(TTM) 6.37 | ||
Enterprise Value to Revenue 9.17 | Enterprise Value to EBITDA - | Shares Outstanding 93711000 | Shares Floating 81795643 |
Shares Outstanding 93711000 | Shares Floating 81795643 | ||
Percent Insiders 12.44 | Percent Institutions 63.95 |
Analyst Ratings
Rating 3.06 | Target Price 62.11 | Buy 2 | Strong Buy 3 |
Buy 2 | Strong Buy 3 | ||
Hold 6 | Sell 3 | Strong Sell 2 | |
Strong Sell 2 |
Upturn AI SWOT
Upstart Holdings Inc
Company Overview
History and Background
Upstart was founded in 2012 by former Google employees. It aims to improve access to affordable credit through AI-powered lending. Initially focused on personal loans, it has expanded into auto loans and small business lending. The company went public in December 2020.
Core Business Areas
- Personal Loans: Upstart's primary business, offering unsecured personal loans for various purposes like debt consolidation, medical expenses, and home improvement.
- Auto Loans: Upstart Auto Retail connects car buyers with dealerships and lenders, providing AI-driven loan origination solutions.
- Small Business Lending: Upstart offers small business loans, leveraging its AI models to assess creditworthiness.
- Platform Services: Upstart provides its AI lending platform to banks and credit unions, enabling them to originate loans more efficiently.
Leadership and Structure
Upstart is led by CEO Dave Girouard. The company has a typical corporate structure with departments focusing on engineering, product, sales, marketing, and finance.
Top Products and Market Share
Key Offerings
- Personal Loans: Upstart's personal loan product is its core offering. While specific market share data is dynamic, Upstart competes with traditional banks, credit unions, and online lenders. Competitors include LendingClub, Prosper, and SoFi. No specific market share data provided.
- Auto Loans: Upstart Auto Retail is a growing segment. They provide a platform to connect auto dealers and consumers. Competitors include Cox Automotive, CDK Global, and RouteOne. Market share is evolving.
- Platform Services: Upstart provides its AI lending platform to banks and credit unions, enabling them to originate loans more efficiently. Competitors include Blend and Finastra. Market share is evolving.
Market Dynamics
Industry Overview
The fintech lending industry is growing rapidly, driven by increasing demand for online lending platforms and AI-powered credit assessment. Regulatory scrutiny and economic conditions significantly influence the market.
Positioning
Upstart positions itself as a disruptor in the lending industry, using AI to assess credit risk more accurately than traditional FICO scores. Its competitive advantage lies in its technology and data-driven approach.
Total Addressable Market (TAM)
The TAM for personal loans, auto loans, and small business lending is substantial, estimated in the trillions of dollars. Upstart is focused on capturing a larger share of this market through its AI-powered platform.
Upturn SWOT Analysis
Strengths
- AI-powered lending platform
- Strong growth in loan origination volume
- Partnerships with banks and credit unions
- Experienced leadership team
- Efficient operations
Weaknesses
- Dependence on macroeconomic conditions
- Regulatory risks
- Relatively short operating history compared to other lenders
- Customer Acquisition Costs
- Profitability swings
Opportunities
- Expansion into new loan products (e.g., mortgages)
- Increased adoption of AI in lending
- Partnerships with larger financial institutions
- Growing demand for online lending platforms
- International expansion
Threats
- Increased competition from established lenders and fintech companies
- Changes in regulatory environment
- Economic downturn affecting loan performance
- Cybersecurity threats
- Changes in interest rate environment
Competitors and Market Share
Key Competitors
- LC
- SOFI
- ALLY
- ONEM
Competitive Landscape
Upstart's AI-powered lending platform differentiates it from competitors. However, it faces competition from larger, more established lenders with greater access to capital.
Major Acquisitions
Prodigy Software
- Year: 2021
- Acquisition Price (USD millions): 0
- Strategic Rationale: Upstart acquired Prodigy Software to enhance its auto lending platform. Specific dollar amount was not provided.
Growth Trajectory and Initiatives
Historical Growth: Upstart experienced rapid growth in loan origination volume and revenue. Recent Growth has slowed due to high interest rate environment.
Future Projections: Analysts' projections vary but generally expect continued growth in loan origination volume and revenue, contingent upon macroeconomic factors.
Recent Initiatives: Upstart has focused on expanding its auto loan business and partnering with more banks and credit unions and reducing operating expenses.
Summary
Upstart is a fintech company leveraging AI in lending, exhibiting growth in personal and auto loans. Economic conditions impact profitability. Their partnership model presents opportunities for expansion. However, competition and regulatory scrutiny remain key challenges to monitor.
Similar Companies
- LC
- SOFI
- ALLY
- OPEN
Sources and Disclaimers
Data Sources:
- Upstart's investor relations website
- Financial news sources
- Third-party market research reports
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is approximate and may vary. Financial data is subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Upstart Holdings Inc
Exchange NASDAQ | Headquaters San Mateo, CA, United States | ||
IPO Launch date 2020-12-16 | Co-Founder, President, CEO & Chairperson of the Board Mr. David J. Girouard | ||
Sector Financial Services | Industry Credit Services | Full time employees 1193 | Website https://www.upstart.com |
Full time employees 1193 | Website https://www.upstart.com | ||
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small dollar loans. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.
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