Trade Upstart Holdings, Inc. - UPST CFD

Add to favourite

21.79

2.07%

0.14

Low: 21.48

High: 22.31

Market Trading Hours* (UTC) Opens on Monday at 13:30

Mon - Fri: 13:30 - 20:00

Summary
Historical Data
Events
Income Statement
Balance Sheet
Cash Flow

Trading сonditions

Spread

0.14

Long position overnight fee

-0.026179%

Short position overnight fee

0.003957%

Overnight fee time

21:00 (UTC)

Min traded quantity

Currency

USD

Margin

Stock exchange

United States of America

Commission on trade

*Information provided by Capital.com

Upstart Holdings Inc ESG Risk Ratings

High Medium Low Negligible

‘D’ score indicates poor relative ESG performance and insufficient degree of transparency in reporting material ESG data publicly.

More ESG coverage

Key Stats

Prev. Close*	22.25
Open*	22.19
1-Year Change*	42.43%
Day's Range*	21.48 - 22.31
52 wk Range	11.93-72.58
Average Volume (10 days)	8.29M
Average Volume (3 months)	190.85M
Market Cap	2.65B
P/E Ratio	-100.00K
Shares Outstanding	85.06M
Revenue	563.18M
EPS	-3.07
Dividend (Yield %)	N/A
Beta	-100.00K
Next Earnings Date	Feb 12, 2024

All data is provided by Refinitiv, except for data marked with an asterisk, which is *data provided by Capital.com

Last Week
Last Month
Last Year
Last two Years
Max

Daily
Weekly
Monthly

Date	Close	Change	Change (%)	Open	High	Low
Apr 18, 2024	22.25	0.70	3.25%	21.55	22.93	21.55
Apr 17, 2024	22.34	-0.32	-1.41%	22.66	23.07	22.17
Apr 16, 2024	22.34	0.99	4.64%	21.35	22.68	21.05
Apr 15, 2024	21.79	-1.75	-7.43%	23.54	24.12	21.73
Apr 12, 2024	23.73	-0.47	-1.94%	24.20	24.60	23.38
Apr 11, 2024	24.65	0.29	1.19%	24.36	24.85	23.82
Apr 10, 2024	24.36	-0.41	-1.66%	24.77	25.31	24.18
Apr 9, 2024	26.12	0.99	3.94%	25.13	26.24	24.85
Apr 8, 2024	25.22	0.39	1.57%	24.83	25.42	24.47
Apr 5, 2024	24.59	0.12	0.49%	24.47	25.28	24.43
Apr 4, 2024	25.03	-1.35	-5.12%	26.38	27.27	24.98
Apr 3, 2024	26.24	1.17	4.67%	25.07	26.50	24.55
Apr 2, 2024	25.67	0.55	2.19%	25.12	25.78	24.58
Apr 1, 2024	26.37	-0.50	-1.86%	26.87	26.87	25.75
Mar 28, 2024	26.76	-1.08	-3.88%	27.84	28.61	26.37
Mar 27, 2024	28.10	1.39	5.20%	26.71	28.13	25.88
Mar 26, 2024	26.52	0.20	0.76%	26.32	27.71	26.30
Mar 25, 2024	26.05	0.15	0.58%	25.90	26.73	25.86
Mar 22, 2024	25.89	-0.07	-0.27%	25.96	26.49	25.63
Mar 21, 2024	26.27	-0.60	-2.23%	26.87	27.75	26.23

Upstart Holdings, Inc. Events

Time (UTC)	Country	Event
Tuesday, May 7, 2024
Time (UTC) 20:00	Country US	Event Q1 2024 Upstart Holdings Inc Earnings Release Q1 2024 Upstart Holdings Inc Earnings Release Forecast - Previous -
Time (UTC) 20:30	Country US	Event Q1 2024 Upstart Holdings Inc Earnings Call Q1 2024 Upstart Holdings Inc Earnings Call Forecast - Previous -
Thursday, May 23, 2024
Time (UTC) 16:00	Country US	Event Upstart Holdings Inc Annual Shareholders Meeting Upstart Holdings Inc Annual Shareholders Meeting Forecast - Previous -
Wednesday, May 29, 2024
Time (UTC) 16:00	Country US	Event Upstart Holdings Inc Annual Shareholders Meeting Upstart Holdings Inc Annual Shareholders Meeting Forecast - Previous -
Tuesday, August 6, 2024
Time (UTC) 10:59	Country US	Event Q2 2024 Upstart Holdings Inc Earnings Release Q2 2024 Upstart Holdings Inc Earnings Release Forecast - Previous -

View all events

Annual
Quarterly

	2022	2021	2020	2019	2018
Total revenue	907.272	801.275	228.6	159.847	88.482
Revenue	907.272	801.275	228.6	159.847	88.482
Cost of Revenue, Total	187.994	117.579	37.581	24.947	15.416
Gross Profit	719.278	683.696	191.019	134.9	73.066
Total Operating Expense	1021.14	660.394	216.835	164.422	96.453
Selling/General/Admin. Expenses, Total	531.066	454.93	145.268	125.04	83.453
Research & Development	237.247	133.999	38.802	18.777	8.415
Interest Expense (Income) - Net Operating	64.828	-47.314	-4.816	-4.342	-10.831
Operating Income	-113.863	140.881	11.765	-4.575	-7.971
Other, Net	4.789	-7.15	-5.815	-0.371	-3.247
Net Income Before Taxes	-109.074	133.731	5.95	-4.946	-11.218
Net Income After Taxes	-108.665	135.443	5.579	-5.02	-11.218
Minority Interest	0	0	0.404	4.554	-1.101
Net Income Before Extra. Items	-108.665	135.443	5.983	-0.466	-12.319
Net Income	-108.665	135.443	5.983	-0.466	-12.319
Income Available to Common Excl. Extra. Items	-108.665	135.443	5.983	-0.466	-12.319
Income Available to Common Incl. Extra. Items	-108.665	135.443	5.983	-0.466	-12.319
Diluted Net Income	-108.665	135.443	5.983	-0.466	-12.319
Diluted Weighted Average Shares	82.7713	94.7726	73.6214	72.4609	72.4609
Diluted EPS Excluding Extraordinary Items	-1.31283	1.42914	0.08127	-0.00643	-0.17001
Dividends per Share - Common Stock Primary Issue				0	0
Diluted Normalized EPS	-1.31283	1.43737	0.08127	-0.00643	-0.17001
Unusual Expense (Income)		1.2

	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022
Total revenue	143.689	117.141	155.597	179.348	258.345
Revenue	143.689	117.141	155.597	179.348	258.345
Cost of Revenue, Total	36.797	40.59	43.487	45.028	51.072
Gross Profit	106.892	76.551	112.11	134.32	207.273
Total Operating Expense	177.033	248.976	214.095	237.439	290.452
Selling/General/Admin. Expenses, Total	74.339	84.101	97.895	104.114	152.152
Research & Development	57.974	110.071	64.029	66.182	57.045
Interest Expense (Income) - Net Operating	7.923	14.214	8.684	22.115	30.183
Operating Income	-33.344	-131.835	-58.498	-58.091	-32.107
Other, Net	5.197	2.597	2.771	1.88	2.26
Net Income Before Taxes	-28.147	-129.238	-55.727	-56.211	-29.847
Net Income After Taxes	-28.165	-129.254	-55.263	-56.223	-29.871
Minority Interest			0
Net Income Before Extra. Items	-28.165	-129.254	-55.263	-56.223	-29.871
Net Income	-28.165	-129.254	-55.263	-56.223	-29.871
Total Adjustments to Net Income
Income Available to Common Excl. Extra. Items	-28.165	-129.254	-55.263	-56.223	-29.871
Income Available to Common Incl. Extra. Items	-28.165	-129.254	-55.263	-56.223	-29.871
Diluted Net Income	-28.165	-129.254	-55.263	-56.223	-29.871
Diluted Weighted Average Shares	83.1306	81.9114	81.3767	81.6721	83.834
Diluted EPS Excluding Extraordinary Items	-0.3388	-1.57797	-0.6791	-0.6884	-0.35631
Dividends per Share - Common Stock Primary Issue	0	0		0	0
Diluted Normalized EPS	-0.3388	-1.43434	-0.6791	-0.6884	-0.35631
Unusual Expense (Income)

Annual
Quarterly

	2022	2021	2020	2019	2018
Cash and Short Term Investments	422.411	986.608	250.819	44.389	73.038
Cash	422.411	986.608	250.819	44.389	73.038
Total Receivables, Net	46.652	55.518	11.656	8.321	2.527
Total Assets	1936.05	1820.45	477.255	393.462	645.908
Property/Plant/Equipment, Total - Net	130.503	120.377	28.342	22.22	1.502
Property/Plant/Equipment, Total - Gross	147.662	128.298	32.034	23.634	2.142
Accumulated Depreciation, Total	-17.159	-7.921	-3.692	-1.414	-0.64
Note Receivable - Long Term	1053.07	279.153	104.365	271.146	510.98
Other Long Term Assets, Total	126.796	234.645	66.523	40.902	55.121
Other Assets, Total	32.68	17.186	15.55	6.484	2.74
Accounts Payable	109.492	114.161	59.276	26.179	24.077
Accrued Expenses	146.118	185.866	44.24	37.813	6.006
Notes Payable/Short Term Debt	0	0	0	0	53.174
Other Current Liabilities, Total			0	96.107	373.068
Total Liabilities	1263.62	1013.38	177.003	293.63	554.656
Total Long Term Debt	986.394	695.432	62.626	118.609	74.983
Long Term Debt	986.394	695.432	62.626	118.609	74.983
Minority Interest			0	1.026	12.001
Other Liabilities, Total	21.615	17.918	10.861	13.896	11.347
Total Equity	672.435	807.078	300.252	99.832	91.252
Redeemable Preferred Stock			0	162.546	157.923
Common Stock	0.008	0.008	0.007	0.002	0.001
Additional Paid-In Capital	714.871	740.849	369.467	12.489	8.406
Retained Earnings (Accumulated Deficit)	-42.444	66.221	-69.222	-75.205	-75.078
Total Liabilities & Shareholders’ Equity	1936.05	1820.45	477.255	393.462	645.908
Total Common Shares Outstanding	81.2597	83.6597	73.314	72.4609	72.4609
Goodwill, Net	67.062	67.062
Intangibles, Net	15.631	19.906
Long Term Investments	41.25	40

	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022
Cash and Short Term Investments	516.581	443.672	386.942	422.411	683.97
Cash	516.581	443.672	386.942	422.411	683.97
Total Receivables, Net	41.191	46.051	42.943	46.652	49.878
Total Assets	2001.78	1763.71	1821.72	1936.05	1915.31
Property/Plant/Equipment, Total - Net	125.349	127.359	130.359	130.503	128.465
Property/Plant/Equipment, Total - Gross	154.987	153.188	152.833	147.662	143.039
Accumulated Depreciation, Total	-29.638	-25.829	-22.474	-17.159	-14.574
Note Receivable - Long Term	1005.21	874.811	1021.89	1053.07	740.951
Other Long Term Assets, Total	119.499	83.819	86.949	126.796	169.52
Other Assets, Total	73.209	66.195	29.765	32.68	17.764
Accounts Payable	58.634	50.986	47.6	109.492	104.76
Accrued Expenses	134.346	133.573	131.474	146.118	149.184
Notes Payable/Short Term Debt	0	0	0	0	0
Current Port. of LT Debt/Capital Leases
Total Liabilities	1361.02	1125.57	1194.51	1263.62	1196.74
Total Long Term Debt	1003.39	930.653	1000.87	986.394	918.917
Long Term Debt	1003.39	930.653	1000.87	986.394	918.917
Other Liabilities, Total	10.861	10.355	14.567	21.615	23.881
Total Equity	640.764	638.145	627.208	672.435	718.568
Common Stock	0.009	0.008	0.008	0.008	0.008
Additional Paid-In Capital	880.933	838	798.898	714.871	705.741
Retained Earnings (Accumulated Deficit)	-240.178	-199.863	-171.698	-42.444	12.819
Total Liabilities & Shareholders’ Equity	2001.78	1763.71	1821.72	1936.05	1915.31
Total Common Shares Outstanding	85.0249	83.8115	82.6008	81.2597	81.8312
Goodwill, Net	67.062	67.062	67.062	67.062	67.062
Intangibles, Net	12.425	13.493	14.562	15.631	16.7
Long Term Investments	41.25	41.25	41.25	41.25	41
Other Current Liabilities, Total	153.782

Annual
Quarterly

	2022	2021	2020	2019	2018
Net income/Starting Line	-108.665	135.443	5.579	-5.02	-11.218
Cash From Operating Activities	-674.681	168.353	15.697	31.582	50.338
Cash From Operating Activities	13.513	7.541	2.278	0.774	0.314
Non-Cash Items	269.131	68.025	39.892	35.795	47.309
Cash Interest Paid	12.473	3.274	8.028	26.871	26.676
Changes in Working Capital	-848.66	-42.656	-32.052	0.033	13.933
Cash From Investing Activities	-114.125	-143.877	136.517	45.433	-137.237
Capital Expenditures	-22.913	-15.115	-5.605	-5.279	-1.044
Other Investing Cash Flow Items, Total	-91.212	-128.762	142.122	50.712	-136.193
Cash From Financing Activities	130.032	855.432	79.052	-119.19	135.766
Financing Cash Flow Items	-0.016	-15.963	-0.622	-4.96	-2.324
Issuance (Retirement) of Stock, Net	-157.867	224.289	161.856	1.734	50.248
Issuance (Retirement) of Debt, Net	287.915	647.106	-82.182	-115.964	87.842
Net Change in Cash	-658.774	879.908	231.266	-42.175	48.867
Cash Taxes Paid	0.328	-2.3

	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022
Net income/Starting Line	-129.254	-108.665	-53.402	2.821	32.692
Cash From Operating Activities	-75.727	-674.681	-421.804	-320.438	-266.795
Cash From Operating Activities	6.441	13.513	9.859	6.135	2.781
Non-Cash Items	129.334	269.131	141.615	88.287	35.477
Cash Interest Paid	7.959	12.473	7.952	4.076	1.763
Changes in Working Capital	-82.248	-848.66	-519.876	-417.681	-337.745
Cash From Investing Activities	-25.852	-114.125	-29.012	-4.764	5.177
Capital Expenditures	-5.458	-22.913	-17.93	-12.407	-5.287
Other Investing Cash Flow Items, Total	-20.394	-91.212	-11.082	7.643	10.464
Cash From Financing Activities	20.971	130.032	89.501	48.382	83.071
Financing Cash Flow Items	-0.005	-0.016	-0.008	0
Issuance (Retirement) of Stock, Net	7.265	-157.867	-131.682	-111.204	10.057
Issuance (Retirement) of Debt, Net	13.711	287.915	221.191	159.586	73.014
Net Change in Cash	-80.608	-658.774	-361.315	-276.82	-178.547
Cash Taxes Paid	1.153	0.328	0.206	0.052	-0.018

Trading calculator

Calculate your hypothetical P&L if you had opened a CFD trade on a certain date (select a date) and closed on a different date (select a date).

Trade commission

Leverage

1:1

20
100
500
1000
10000

Investment

Trade size (Leverage x Investement):

Open

Close

Short Long

For the avoidance of doubt, this calculation does not include the costs of holding a position overnight (for which there will be additional charges)

Upstart Holdings Inc. Company profile

Upstart Holdings Inc (UPST) is a cloud-based artificial intelligence lending platform.

Dave Girouard, former president of enterprise at Google; Anna Counselman, former manager of global enterprise customer programs and gmail consumer operations at Google; and Paul Gu, a Thiel Fellow, founded Upstart in April 2012.

Upstart became a public company and began trading on the Nasdaq on 16 December 2020 under the symbol UPST.

The San Mateo, California-based company partners with small to large banks and credit unions to provide consumer loans.

The platform assesses creditworthiness based on non-traditional factors such as education and work. Using machine learning models, the platform can more precisely identify risks and approve more applicants than traditional, credit-score based lending models.

The company’s models had more than 1,600 variables by the end of 2021, compared to just 23 in 2014. They have been trained on more than nine million repayment events.

The company's platform gathers consumer loan demand and links it to its Upstart AI (artificial intelligence)-enabled bank partners. Customers can choose from a variety of offers provided by the company’s bank partners. They are typically offered unsecured and secured personal and auto loans ranging in size from $1,000 to $50,000.

The loans typically carry an annual rate of 6.5% to 35.99%, with terms ranging from three to seven years, with a monthly repayment schedule and no prepayment penalty.

On the other hand, bank partners can also offer Upstart-powered loans through a bank-branded interface on their own website or mobile application.

By the end of 2021, the company had 38 bank partners and about 69% of its loans were approved and fully automated.

In March 2021, the company announced it acquired Prodigy Software, Inc., a provider of cloud-based automotive retail software. Seven months later, the company launched the auto loans service Upstart Auto Retail software. As of 31 December 2021, the company had 5,800 auto loans and more that 400 dealer locations have adopted the company’s auto software.

Industry:

Consumer Leasing

2950 S. Delaware Street, Suite 300
SAN MATEO
CALIFORNIA 94403
US

Income Statement

Annual
Quarterly

News

Gold price in 2024: geopolitical tensions and rate-cut expectations keep XAU/USD supported

Investors are keeping a close eye on gold as the conflict in the Middle East escalates with a possibility of a full-scale regional war in the area.

07:56, 17 April 2024

US Earnings Season : JP Morgan, Citigroup, Wells Fargo

The first major US banks report quarterly earnings on Friday, April 12th, 2024. We preview what to expect from JP Morgan, Citigroup, and Wells Fargo's quarterly numbers.

16:03, 11 April 2024

Reserve Bank of New Zealand Preview: Rates expected to remain on hold as inflation fight continues

The Reserve Bank of New Zealand (RBNZ) meets on Wednesday, April 10, 2024. We preview what to expect from the meeting and its possible impact on the NZD/USD.

09:22, 11 April 2024

US CPI Preview: US inflation expected to grind lower amid fears about sticky prices

US CPI data is released on Wednesday, 10 April. We preview what to expect from the data, how it could influence US Federal Reserve policy, and analyse the NASDAQ (US Tech 100).

15:11, 9 April 2024