The stock of Upstart Holdings Inc (NASDAQ: UPST) has decreased by -1.15 when compared to last closing price of 52.00.Despite this, the company has seen a gain of 4.49% in its stock price over the last five trading days. seekingalpha.com reported 2025-05-06 that Upstart Holdings, Inc. (NASDAQ:UPST ) Q1 2025 Earnings Conference Call May 6, 2025 4:30 PM ET Company Participants Sonya Banerjee – Investor Relations Dave Girouard – Co Founder and Chief Executive Officer Sanjay Datta – Chief Financial Officer Conference Call Participants Operator Good afternoon and welcome to the Upstart first quarter 2025 earnings call. At this time, all participants are in listen-only mode to prevent any background noise.
Is It Worth Investing in Upstart Holdings Inc (NASDAQ: UPST) Right Now?
UPST has 36-month beta value of 2.39. Analysts have mixed views on the stock, with 4 analysts rating it as a “buy,” 2 as “overweight,” 7 as “hold,” and 1 as “sell.”
The public float for UPST is 82.46M, and currently, short sellers hold a 28.16% ratio of that float. The average trading volume of UPST on May 07, 2025 was 6.76M shares.
UPST’s Market Performance
UPST stock saw an increase of 4.49% in the past week, with a monthly gain of 47.70% and a quarterly increase of -18.80%. The volatility ratio for the week is 5.54%, and the volatility levels for the last 30 days are 9.15% for Upstart Holdings Inc (UPST). The simple moving average for the last 20 days is 16.21% for UPST’s stock, with a simple moving average of -3.00% for the last 200 days.
Analysts’ Opinion of UPST
Many brokerage firms have already submitted their reports for UPST stocks, with BofA Securities repeating the rating for UPST by listing it as a “Neutral.” The predicted price for UPST in the upcoming period, according to BofA Securities is $53 based on the research report published on April 29, 2025 of the current year 2025.
Morgan Stanley, on the other hand, stated in their research note that they expect to see UPST reach a price target of $70, previously predicting the price at $12. The rating they have provided for UPST stocks is “Equal-Weight” according to the report published on February 14th, 2025.
JP Morgan gave a rating of “Neutral” to UPST, setting the target price at $79 in the report published on February 12th of the current year.
UPST Trading at 5.19% 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 -46.70% of loss for the given period.
Volatility was left at 9.15%, however, over the last 30 days, the volatility rate increased by 5.54%, as shares surge +36.05% for the moving average over the last 20 days. Over the last 50 days, in opposition, the stock is trading -27.09% lower at present.
During the last 5 trading sessions, UPST rose by +4.49%, which changed the moving average for the period of 200-days by +80.92% in comparison to the 20-day moving average, which settled at $44.23. In addition, Upstart Holdings Inc saw -16.52% 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 Darling Scott, who sale 1,000 shares at the price of $50.27 back on Apr 29 ’25. After this action, Darling Scott now owns 150,129 shares of Upstart Holdings Inc, valued at $50,270 using the latest closing price.
Darling Scott, the Chief Legal Officer of Upstart Holdings Inc, sale 1,000 shares at $50.16 during a trade that took place back on May 01 ’25, which means that Darling Scott is holding 150,129 shares at $50,157 based on the most recent closing price.
Stock Fundamentals for UPST
Current profitability levels for the company are sitting at:
- -0.27 for the present operating margin
- 1.0 for the gross margin
The net margin for Upstart Holdings Inc stands at -0.2. The total capital return value is set at -0.08. Equity return is now at value -20.27, with -5.87 for asset returns.
Based on Upstart Holdings Inc (UPST), the company’s capital structure generated 0.7 points at debt to capital in total, while cash flow to debt ratio is standing at 0.13. The debt to equity ratio resting at 2.29. The interest coverage ratio of the stock is -3.59.
Currently, EBITDA for the company is -111.87 million with net debt to EBITDA at -5.94. When we switch over and look at the enterprise to sales, we see a ratio of 8.83. The receivables turnover for the company is 4.97for trailing twelve months and the total asset turnover is 0.27. The liquidity ratio also appears to be rather interesting for investors as it stands at 5.13.
Conclusion
To put it simply, Upstart Holdings Inc (UPST) has had a mixed performance in recent times. Analysts have a mixed opinion on the stock, with some rating it as a “buy” and others 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.
