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A Lesson to Learn: Upstart Holdings Inc. (UPST)

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Upstart Holdings Inc. (NASDAQ:UPST) went down by -2.16% from its latest closing price compared to the recent 1-year high of $401.49. The company’s stock price has collected -20.90% of loss in the last five trading sessions. The Wall Street Journal reported on 12/28/21 that Fintech Stocks Fall Back to Earth

Is It Worth Investing in Upstart Holdings Inc. (NASDAQ :UPST) Right Now?

Upstart Holdings Inc. (NASDAQ:UPST) scored a price-to-earnings ratio above its average ratio, recording 139.37 x from its present earnings ratio. Opinions of the stock are interesting as 5 analysts out of 10 who provided ratings for Upstart Holdings Inc. declared the stock was a “buy,” while 1 rated the stock as “overweight,” 3 rated it as “hold,” and 0 as “sell.”

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The average price from analysts is $263.00, which is $148.58 above the current price. UPST currently public float of 69.94M and currently shorts hold a 7.45% ratio of that float. Today, the average trading volume of UPST was 5.09M shares.

UPST’s Market Performance

UPST stocks went down by -20.90% for the week, with a monthly drop of -36.29% and a quarterly performance of -63.20%, while its annual performance rate touched 109.14%. The volatility ratio for the week stands at 10.38% while the volatility levels for the past 30 days are set at 9.38% for Upstart Holdings Inc.. The simple moving average for the period of the last 20 days is -20.25% for UPST stocks with a simple moving average of -39.04% for the last 200 days.

Analysts’ Opinion of UPST

Many brokerage firms have already submitted their reports for UPST stocks, with Wedbush repeating the rating for UPST by listing it as a “Neutral.” The predicted price for UPST in the upcoming period, according to Wedbush is $160 based on the research report published on December 22nd of the previous year 2021.

Morgan Stanley, on the other hand, stated in their research note that they expect to see UPST reach a price target of $200. The rating they have provided for UPST stocks is “Equal-Weight” according to the report published on December 09th, 2021.

Citigroup gave a rating of “Buy” to UPST, setting the target price at $350 in the report published on December 03rd of the previous year.

UPST Trading at -44.20% from the 50-Day Moving Average

After a stumble in the market that brought UPST to its low price for the period of the last 52 weeks, the company was unable to rebound, for now settling with -71.50% of loss for the given period.

Volatility was left at 9.38%, however, over the last 30 days, the volatility rate increased by 10.38%, as shares sank -28.82% for the moving average over the last 20 days. Over the last 50 days, in opposition, the stock is trading -65.33% lower at present.

During the last 5 trading sessions, UPST fell by -20.90%, which changed the moving average for the period of 200-days by -19.96% in comparison to the 20-day moving average, which settled at $141.15. In addition, Upstart Holdings Inc. saw -24.38% in overturn over a single year, with a tendency to cut further losses.

Insider Trading

Reports are indicating that there were more than several insider trading activities at UPST starting from Nicoll Alison, who sale 7,500 shares at the price of $132.75 back on Jan 05. After this action, Nicoll Alison now owns 179,280 shares of Upstart Holdings Inc., valued at $995,589 using the latest closing price.

Girouard Dave, the Chief Executive Officer of Upstart Holdings Inc., sale 8,332 shares at $150.46 during a trade that took place back on Jan 03, which means that Girouard Dave is holding 563,165 shares at $1,253,666 based on the most recent closing price.

Stock Fundamentals for UPST

Current profitability levels for the company are sitting at:

  • +5.04 for the present operating margin

The net margin for Upstart Holdings Inc. stands at +2.56. The total capital return value is set at 3.80, while invested capital returns managed to touch 2.99. Equity return is now at value 15.10, with 8.90 for asset returns.

Based on Upstart Holdings Inc. (UPST), the company’s capital structure generated 27.33 points at debt to equity in total, while total debt to capital is 21.46.

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When we switch over and look at the enterprise to sales, we see a ratio of 14.84, with the company’s debt to enterprise value settled at 0.03. The liquidity ratio also appears to be rather interesting for investors as it stands at 2.34.

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