The stock of Upstart Holdings Inc (NASDAQ: UPST) has decreased by -2.43 when compared to last closing price of 64.75.Despite this, the company has seen a loss of -2.83% in its stock price over the last five trading days. fool.com reported 2025-02-03 that Upstart’s (UPST -3.82%) stock more than doubled over the past 12 months. The online lending marketplace, which had fallen out of favor as interest rates rose in 2022 and 2023, became more attractive as the Federal Reserve finally reined in rates again.
Is It Worth Investing in Upstart Holdings Inc (NASDAQ: UPST) Right Now?
Additionally, the 36-month beta value for UPST is 2.26. There are mixed opinions on the stock, with 3 analysts rating it as a “buy,” 2 rating it as “overweight,” 6 rating it as “hold,” and 2 rating it as “sell.”
The public float for UPST is 78.87M and currently, short sellers hold a 24.50% ratio of that float. The average trading volume of UPST on February 04, 2025 was 6.51M shares.
UPST’s Market Performance
UPST stock saw an increase of -2.83% in the past week, with a monthly gain of 2.60% and a quarterly increase of 23.55%. The volatility ratio for the week is 5.73%, and the volatility levels for the last 30 days are 5.62% for Upstart Holdings Inc (UPST). The simple moving average for the past 20 days is -0.37% for UPST’s stock, with a 45.72% simple moving average for the past 200 days.
Analysts’ Opinion of UPST
Many brokerage firms have already submitted their reports for UPST stocks, with Needham repeating the rating for UPST by listing it as a “Buy.” The predicted price for UPST in the upcoming period, according to Needham is $100 based on the research report published on December 13, 2024 of the previous year 2024.
Redburn Atlantic, on the other hand, stated in their research note that they expect to see UPST reach a price target of $95, previously predicting the price at $37. The rating they have provided for UPST stocks is “Buy” according to the report published on December 03rd, 2024.
UPST Trading at -8.82% 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 -28.98% of loss for the given period.
Volatility was left at 5.62%, however, over the last 30 days, the volatility rate increased by 5.73%, as shares surge +3.90% for the moving average over the last 20 days. Over the last 50 days, in opposition, the stock is trading -7.47% lower at present.
During the last 5 trading sessions, UPST fell by -2.83%, which changed the moving average for the period of 200-days by +180.26% in comparison to the 20-day moving average, which settled at $63.41. In addition, Upstart Holdings Inc saw 2.60% in overturn over a single year, with a tendency to cut further gains.
Insider Trading
Reports are indicating that there were more than several insider trading activities at UPST starting from Girouard Dave, who sale 41,667 shares at the price of $62.60 back on Jan 15 ’25. After this action, Girouard Dave now owns 57,138 shares of Upstart Holdings Inc, valued at $2,608,236 using the latest closing price.
Girouard Dave, the Officer of Upstart Holdings Inc, proposed sale 41,667 shares at $62.60 during a trade that took place back on Jan 15 ’25, which means that Girouard Dave is holding shares at $2,608,236 based on the most recent closing price.
Stock Fundamentals for UPST
Current profitability levels for the company are sitting at:
- -0.39 for the present operating margin
- 0.96 for the gross margin
The net margin for Upstart Holdings Inc stands at -0.3. The total capital return value is set at -0.13. Equity return is now at value -27.21, with -8.83 for asset returns.
Based on Upstart Holdings Inc (UPST), the company’s capital structure generated 0.64 points at debt to capital in total, while cash flow to debt ratio is standing at 0.15. The debt to equity ratio resting at 1.75. The interest coverage ratio of the stock is -4.58.
Currently, EBITDA for the company is -215.12 million with net debt to EBITDA at -4.2. When we switch over and look at the enterprise to sales, we see a ratio of 11.4. The liquidity ratio also appears to be rather interesting for investors as it stands at 4.26.
Conclusion
In conclusion, Upstart Holdings Inc (UPST) has seen better performance in recent times. Analysts have a mixed opinion on the stock, with some rating it as a “buy” and others rating it as a “hold”. It’s important to note that the stock is currently trading at a significant distance from its 50-day moving average and its 52-week high.
