Upstart Holdings, Inc. (UPST) closed the latest trading day at $65.14, indicating a +0.25% change from the previous session's end. The stock trailed the S&P 500, which registered a daily gain of 0.36%. Elsewhere, the Dow saw a downswing of 0.28%, while the tech-heavy Nasdaq appreciated by 0.51%.Shares of the company witnessed a gain of 9.73% over the previous month, beating the performance of the Finance sector with its gain of 5.23% and the S&P 500's gain of 2.11%.The upcoming earnings release of Upstart H ...

Group 1 - The upcoming report from Upstart Holdings, Inc. (UPST) is expected to show a quarterly loss of $0.05 per share, which is an increase of 54.6% compared to the same period last year [1] - Analysts forecast revenues of $180.06 million for the quarter, representing a year-over-year increase of 28.3% [1] - There has been no revision in the consensus EPS estimate for the quarter over the last 30 days, indicating analysts' collective reconsideration of their initial forecasts [1] Group 2 - The consensus among analysts is that 'Revenue- Revenue from fees, net' will reach $185.02 million, indicating a change of +21.1% from the prior-year quarter [4] - The estimated 'Revenue- Revenue from fees, net- Platform and referral fees, net' is projected to be $148.48 million, suggesting a year-over-year change of +25.6% [4] - 'Revenue- Revenue from fees, net- Servicing and other fees, net' is expected to come in at $35.52 million, indicating a change of +2.7% from the prior-year quarter [5] Group 3 - The estimated 'Transaction Volume' is projected to arrive at $1.66 million, compared to the year-ago figure of $1.25 million [5] - Upstart shares have increased by +9.7% in the past month, outperforming the Zacks S&P 500 composite's +2.1% move [5] - With a Zacks Rank 3 (Hold), UPST is expected to closely follow the overall market performance in the near term [5]

Core Viewpoint - Upstart Holdings (UPST) is expected to report its fourth-quarter 2024 results on February 11, with anticipated revenues of approximately $185 million, reflecting a year-over-year increase of 28.3% [1][2]. Financial Performance - The Zacks Consensus Estimate for revenues is currently at $180.1 million, while the consensus for earnings is a loss of 5 cents per share, which is an improvement from the previous year's loss of 11 cents [2]. - Upstart has consistently beaten the Zacks Consensus Estimate in the last four quarters, with an average surprise of 39.7% [3]. Earnings Expectations - Upstart carries a Zacks Rank 3 (Hold) and has an Earnings ESP of -20.00%, indicating that the model does not predict an earnings beat this time [4][5]. Strategic Developments - The company's fourth-quarter performance is likely to benefit from its strategy as a multiproduct company, including innovative product launches and features aimed at improving data-driven decisions among lenders [6]. - Upstart's expertise in unsecured loans has contributed to customer base growth, particularly as traditional banks remain cautious amid macroeconomic uncertainties [7]. - The company has been automating the unsecured loan process and forming partnerships with various banks and credit unions, which may positively impact its performance [8]. Cost Management - In response to macroeconomic headwinds, Upstart is reducing its workforce to cut costs, which may help mitigate the effects of high inflation on transaction volumes [9]. Market Conditions - The weakening lending market, driven by elevated consumer risk and global geopolitical tensions, may negatively impact Upstart's revenues [10]. Stock Performance - Upstart shares have increased by 100.4% over the past year, outperforming the Zacks Financial – Miscellaneous Services industry's growth of 25.9% and the Financial Select Sector SPDR Fund (XLF) ETF's gain of 32.1% [11]. - The stock is currently trading at a forward 12-month price-to-sales (P/S) ratio of 7.51X, significantly higher than the industry's 2.93X, indicating a stretched valuation [13]. Investment Outlook - Upstart's business model benefits from a low-interest-rate environment, utilizing AI for faster loan approvals, making it an attractive alternative to traditional lenders [16]. - The Federal Reserve's rate cuts in 2024 are expected to stimulate loan demand and revenue growth, reversing some previous losses [17]. - The company is diversifying its funding sources and expanding its loan offerings, which may support future growth [18]. - Despite positive growth prospects, the high valuation makes the stock vulnerable to short-term volatility, leading to a recommendation to hold the stock for now [19].

Group 1 - Upstart Holdings, Inc. closed at $63.30, with a slight increase of +0.21% from the previous trading session, underperforming the S&P 500 which gained 0.72% [1] - Over the past month, shares of Upstart Holdings, Inc. have decreased by 0.55%, while the Finance sector and S&P 500 gained 3.24% and 1.02% respectively [1] - The upcoming earnings report is scheduled for February 11, 2025, with projected earnings per share (EPS) of -$0.05, indicating a 54.55% increase year-over-year, and a revenue estimate of $180.06 million, reflecting a 28.33% rise from the same quarter last year [2] Group 2 - Recent changes in analyst estimates for Upstart Holdings, Inc. are important as they reflect the shifting dynamics of short-term business patterns, with positive changes indicating analyst optimism [3] - The Zacks Rank system, which assesses estimate changes, has a proven track record of outperformance, with 1 stocks returning an average of +25% annually since 1988 [5] - Upstart Holdings, Inc. currently holds a Zacks Rank of 3 (Hold), with the Zacks Consensus EPS estimate remaining unchanged over the past month [5] Group 3 - Upstart Holdings, Inc. is trading at a Forward P/E ratio of 94.28, significantly higher than the industry average Forward P/E of 10.04, suggesting it is trading at a premium [6] - The Financial - Miscellaneous Services industry, part of the Finance sector, has a Zacks Industry Rank of 74, placing it in the top 30% of over 250 industries [6] - The Zacks Industry Rank indicates that the top 50% rated industries outperform the bottom half by a factor of 2 to 1 [7]

Wall Street expects a year-over-year increase in earnings on higher revenues when Upstart Holdings, Inc. (UPST) reports results for the quarter ended December 2024. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates.The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on ...

The online lending marketplace still has a bright future.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.But even after that impressive rally, Upstart's stock still trades more than 80% below its all-time high from October 2021. Let's check out four reasons it's worth accumulating before it posts its fourth ...

Upstart Holdings, Inc. (UPST) , an AI-driven fintech disruptor, has delivered an impressive 35.9% surge over the past three months, far outpacing the Financial Select Sector SPDR Fund (XLF) ETF and the S&P 500, which gained 10.3% and 6.5%, respectively. While this rally reflects growing investor confidence, a question arises: Is now the time to buy, hold or sell? Given Upstart Holdings’ long-term potential and current valuation, holding the stock appears to be the best strategy.3-Month Price Return Performa ...

In the latest market close, Upstart Holdings, Inc. (UPST) reached $66.07, with a -0.68% movement compared to the previous day. This change lagged the S&P 500's 0.47% loss on the day. On the other hand, the Dow registered a loss of 0.31%, and the technology-centric Nasdaq decreased by 0.51%.Heading into today, shares of the company had gained 8.04% over the past month, outpacing the Finance sector's gain of 4.45% and the S&P 500's gain of 1.67% in that time.Investors will be eagerly watching for the performa ...

This article has been reviewed according to Science X's editorial process and policies . Editors have highlighted the following attributes while ensuring the content's credibility: The Icon for the smartphone apps DeepSeek is seen on a smartphone screen in Beijing, Tuesday, Jan. 28, 2025. Credit: AP Photo/Andy Wong The 40-year-old founder of China's DeepSeek, an AI startup that has startled markets with its capacity to compete with industry leaders like OpenAI, kept a low profile as he built up a hedge fun ...

These two stocks had a lot of hype in 2020 and 2021 but crashed, and they have been trying to reclaim their former glory ever since.Some of the newer financial technology stocks (or fintechs) have endured wide-ranging interest rates, making for a wild ride. Upstart Holdings (UPST -2.70%) and SoFi Technologies (SOFI -0.61%) went public between 2020 and 2021 amid zero-percent interest rates intended to buoy the U.S. economy during the coronavirus epidemic.However, these rates ultimately inflated a stock marke ...