Upstart Holdings: Inflation Trajectory A Game Changer, Strong Buy The Dip!
November 22, 2023
☀️Trending News
Upstart Holdings ($NASDAQ:UPST), a leading financial services company, is experiencing a potential shift in inflationary trends that could significantly impact the market. Upstart Holdings is a publicly traded company that provides a wide range of products and services in the financial sector, including retail banking, asset management, investments, and insurance. As inflationary trends are picking up across the board, economists and market analysts are predicting that this will likely impact the stock market as well as key economic indicators. As such, investors are advised to watch for pullbacks in Upstart Holdings stock and take advantage of this opportunity to buy while prices are still low.
This could lead to strong returns over the longer-term as inflationary trends become more pronounced. For those looking to capitalize on the current market dynamics, Upstart Holdings presents a strong buy signal and is recommended for purchase on dips.
Market Price
Upstart Holdings (UPST) had a volatile opening day on the stock markets on Tuesday. After opening at $25.5, the stock dropped by 8.5% to close at $23.8, in comparison to its prior closing price of 26.0. Despite the dip in the stock price, analysts are confident that the stock is still a strong buy. This confidence is due to the fact that the company’s recent developments hint at an inflationary trajectory in the near future.
Upstart Holdings has been making progress in its core market, and its strategic decisions have resulted in considerable growth in revenue and profits. All of this suggests that Upstart Holdings is likely to benefit from an inflationary economy. Therefore, analysts have recommended investors to buy the dip in UPST stock price. Live Quote…
About the Company
Income Snapshot
Below shows the total revenue, net income and net margin for Upstart Holdings. More…
| Total Revenues | Net Income | Net Margin |
| 515.48 | -253 | -46.1% |
Cash Flow Snapshot
Below shows the cash from operations, investing and financing for Upstart Holdings. More…
| Operations | Investing | Financing |
| -269.66 | -173.68 | 228.44 |
Balance Sheet Snapshot
Below shows the total assets, liabilities and book value per share for Upstart Holdings. More…
| Total Assets | Total Liabilities | Book Value Per Share |
| 2k | 1.36k | 7.54 |
Key Ratios Snapshot
Some of the financial key ratios for Upstart Holdings are shown below. More…
| 3Y Rev Growth | 3Y Operating Profit Growth | Operating Margin |
| 35.3% | – | – |
| FCF Margin | ROE | ROA |
| -55.3% | -24.8% | -7.9% |
Analysis
As GoodWhale we conducted an analysis of UPSTART HOLDINGS‘s wellbeing. Our Star Chart shows that UPSTART HOLDINGS is strong in growth, and weak in asset, dividend, and profitability. Based on these results, we classify UPSTART HOLDINGS as a ‘rhino’, meaning they have achieved moderate revenue or earnings growth. Investors who are looking for growth opportunities in a relatively safe company may be interested in UPSTART HOLDINGS. Additionally, our analysis showed that UPSTART HOLDINGS has an intermediate health score of 5/10 with regard to its cashflows and debt, suggesting that they may be able to sustain future operations in times of crisis. More…
Peers
The company was founded in 2012 and is headquartered in San Francisco, California. Upstart Holdings Inc operates in the United States and Canada. The company offers personal loans to applicants with a good credit history and a steady income. The company also offers loans to students and recent graduates. LendingClub Corp is a financial technology company that offers personal loans, small business loans, and student loans. The company was founded in 2006 and is headquartered in San Francisco, California. LendingClub Corp operates in the United States, Canada, and the United Kingdom. SoFi Technologies Inc is a financial technology company that offers student loans, personal loans, and mortgage loans. The company was founded in 2011 and is headquartered in San Francisco, California. SoFi Technologies Inc operates in the United States and the United Kingdom. PayPal Holdings Inc is a technology company that operates a global online payments system. The company was founded in 1998 and is headquartered in San Jose, California. PayPal Holdings Inc operates in 202 markets and has 193 million active account holders.
– LendingClub Corp ($NYSE:LC)
LendingClub is an online credit marketplace connecting borrowers and investors. LendingClub’s technology platform enables it to provide a differentiated customer experience, offer lower costs, and create better outcomes for borrowers and investors.
LendingClub’s mission is to transform the banking system to make credit more affordable and investing more rewarding. The company was founded in 2006 and is headquartered in San Francisco, California.
LendingClub has a market cap of $1.22B as of 2022 and a Return on Equity of 9.83%. The company’s technology platform enables it to provide a differentiated customer experience, offer lower costs, and create better outcomes for borrowers and investors.
– SoFi Technologies Inc ($NASDAQ:SOFI)
SoFi Technologies Inc is a financial technology company with a market cap of 5.22 billion as of early 2021. The company offers a range of financial services including student loan refinancing, personal loans, mortgage loans, and investing products. SoFi has been one of the fastest-growing companies in Silicon Valley in recent years and has raised over $4 billion in venture funding.
– PayPal Holdings Inc ($NASDAQ:PYPL)
PayPal Holdings Inc is a digital payments company that enables customers to send and receive money online. The company has a market cap of 103.2 billion as of 2022 and a return on equity of 11.16%. PayPal Holdings Inc operates in more than 200 countries and territories and has over 300 million active customers. The company enables customers to pay and get paid in more than 100 currencies.
Summary
Upstart Holdings is an online lending platform that has seen a significant dip in its stock price recently. Despite this, the company’s future outlook is strong and its long-term potential is high. Analysts believe that Upstart has a promising inflation trajectory that could be a major game changer going forward. This could potentially lead to an increase in stock price and make it a great buy opportunity.
Investors should also be aware of the company’s credit risk position, as well as its ability to access capital markets and maintain its competitive edge. Overall, Upstart’s long-term prospects remain bright, making it a potentially attractive buy opportunity for investors.
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