Upstart Holdings Stock Fair Value – Upstart Holdings Stock Soars After Selling $4 Billion in Consumer Loans

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Today, Upstart Holdings ($NASDAQ:UPST) (UPST) stock skyrocketed after the company announced that it had sold up to $4 billion worth of consumer loans to financial technology (Fintech) firms. With this news, Upstart experienced a remarkable increase in its stock price, climbing more than 20% in the early hours of trading. Upstart Holdings is a leading provider of technology-enabled financial services in the United States. The company uses machine learning and artificial intelligence to assess creditworthiness, helping lenders make smarter decisions about who to lend to and what to charge for those loans.

By selling these loans off, Upstart was able to raise capital while also freeing up resources to focus on other areas of its business. This move is likely to benefit Upstart in the long run, allowing them to expand their operations and capitalize on new opportunities. The success of this sale will likely continue to propel Upstart’s stock price higher in the coming days and weeks.

Price History

On Monday, shares of UPSTART HOLDINGS experienced a remarkable surge, opening at $16.2 and closing at $20.3, a 23.6% increase from the prior closing price of 16.4. The loans will be securitized and sold to investors in the form of asset-backed securities. The company has made a name for itself by using artificial intelligence and machine learning to develop an automated credit assessment process that allows it to quickly assess creditworthiness and process loan applications in minutes.

The sale of consumer loans to Goldman Sachs is a major milestone for UPSTART HOLDINGS and is a testament to its success in providing consumers with access to fast and affordable personal loans. The company continues to grow, with its stock price on the rise and more consumer loans being sold to investors. Live Quote…

About the Company

Income Snapshot

Below shows the total revenue, net income and net margin for Upstart Holdings. More…

Cash Flow Snapshot

Below shows the cash from operations, investing and financing for Upstart Holdings. More…

Balance Sheet Snapshot

Below shows the total assets, liabilities and book value per share for Upstart Holdings. More…

Key Ratios Snapshot

Some of the financial key ratios for Upstart Holdings are shown below. More…

Analysis – Upstart Holdings Stock Fair Value

At GoodWhale, we have conducted a thorough analysis of UPSTART HOLDINGS‘s fundamentals and determined that its fair value is around $87.5, calculated by our proprietary Valuation Line. Currently, UPSTART HOLDINGS shares are trading at $20.3, demonstrating a significant discount of 76.8%. This means that the stocks are undervalued and represent a great opportunity for investors. 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, Inc. (NASDAQ: UPST) has seen a surge in its stock price today following news that it had completed the sale of up to $4 billion of consumer loans. Analysts believe that the loan sale could be a major catalyst for UPST stock in the long term, setting it up to benefit from an anticipated growth in consumer lending demand. The company has also made strategic investments in technology and data-driven services to place itself at the forefront of the fintech industry.