* Note: Prices are in Million (M) USD.
Description:
Upstart Holdings, Inc. operates a cloud-based artificial intelligence (AI) lending platform. The company is headquartered in San Mateo, California.
These criteria used Company's Cash, EBITDA and Debt balance to determines its fair value:
Cash : $788 M
Debt : $1,452 M
EBITDA : $-52 M
Net Debt (Debt - Cash): $664 M
Since Ebitda is less than 0, 0 points assigned.
This criteria used industry in which company operates:
Sector: FINANCE
Industry: FINANCE SERVICES
Based on industry, 3 points assigned.
This criteria used Company's Price To Earning (P/E) Ratio to determines its fair value:
Forward PE Ratio: 31.61
Since Forward PE Ratio is between 25 - 35, 1 point assigned.
This criteria used Company's ability to convert Sales into free cash flow to determine fair value:
Average Free Cash Flow: $-81 M
Average Revenue: $423 M
Revenue Converted To Free Cash FLow(%): -19%
Avg Free Cash Flow Growth Per Year (Last 5 Years): 218.56%
Since Free Cash Flow (FCF) to Revenue percentage is negative, 0 point assigned.
This criteria used company's growth potential to calculate its fair value:
Latest Revenue (2024-12-31): $629 M
Revenue 4 Years Ago (2020-12-31): $233 M
Last 5 Years Average Revenue Growth: 34%
Since Revenue Growth is greater than 20, 5 points assigned.
This criteria used Company's ability to buy back its own share:
Latest Share Count (2024-12-31): $89 M
Share Count 5 Years Ago (2020-12-31): $26 M
Company is not buying back its own shares, 0 points assigned.
This criteria used Company's dividend payout ratio to determine its fair value:
Next Year Earnings Per Share (EPS): $3.28
Trailing 12-Month Earnings Per Share (EPS): $1.73
Average Earnings Per Share (EPS): $2.51
Dividend Per Share (DPS): $0
Payout Ratio: 0%
Dividend Yield: 0%
Since Dividend Per Share is less than or equal to 0, 0 point assigned.
Since Dividend Yield is less than 1, 0 point assigned.
This criteria used Company's Return On Equity (ROE%) to determine its fair value:
Average ROE: -10%
Since Average ROE is negative, 0 point assigned.
This criteria used Company's current price to its 52 week low price to determines its fair value:
Current Price: $79
52-Week Low: $21
Threshold Price (15% Above 52-Week Low): $24
Since Current price is not within 15% threshold, 0 point assigned.
This criteria used Company's Market Cap to determines its fair value:
Market Capitalization: $7,947 M
Since Market Cap is less than 10B, 1 point assigned.
% Exposure to Total Portfolio
Based on the market cap, we recommend do not exceed 2% exposure of Total Portfolio.
Value-Trade has assigned 10 points to above Upstart Holdings Inc (UPST) stock.
Value-Trades has assined P/E value 12. Since an average (Current Year EPS + Next Year EPS) earning per share is $2.5065.
The fair value of Upstart Holdings Inc (UPST) stock should be (12 x $2.5065) = $30.08
