UPST
Upstart·NASDAQ
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8.36 / 10
Outperform
Corporate fundamentals rate outstanding at 8.4/10. Beneficial factors include Net profit margin (%) and EBIT / Total operating revenue (%), however risks emerge in Asset-MV and Profit-MV. Resultant assessment: excellent.
Analysis Checks(5/10)
Gross profit margin (%)
Value100.00
Score1/3
Weight4.45%
1M Return0.93%
Value100.00
Score1/3
Weight4.45%
1M Return0.93%
Total profit (YoY growth rate %)
Value127.97
Score3/3
Weight52.68%
1M Return9.32%
Value127.97
Score3/3
Weight52.68%
1M Return9.32%
Total profit / EBIT (%)
Value100.00
Score2/3
Weight15.63%
1M Return3.12%
Value100.00
Score2/3
Weight15.63%
1M Return3.12%
Total assets turnover ratio
Value0.28
Score2/3
Weight23.40%
1M Return4.90%
Value0.28
Score2/3
Weight23.40%
1M Return4.90%
Asset-MV
Value-0.50
Score0/3
Weight-14.25%
1M Return-3.69%
Value-0.50
Score0/3
Weight-14.25%
1M Return-3.69%
Profit-MV
Value-1.03
Score0/3
Weight-10.31%
1M Return-2.31%
Value-1.03
Score0/3
Weight-10.31%
1M Return-2.31%
Net profit margin (%)
Value4.68
Score2/3
Weight13.34%
1M Return2.69%
Value4.68
Score2/3
Weight13.34%
1M Return2.69%
Operating revenue (YoY growth rate %)
Value79.08
Score1/3
Weight17.37%
1M Return3.29%
Value79.08
Score1/3
Weight17.37%
1M Return3.29%
EBIT / Total operating revenue (%)
Value-3056.43
Score2/3
Weight13.18%
1M Return2.61%
Value-3056.43
Score2/3
Weight13.18%
1M Return2.61%
Cash-MV
Value-0.07
Score0/3
Weight-15.49%
1M Return-3.39%
Value-0.07
Score0/3
Weight-15.49%
1M Return-3.39%
Gross profit margin (%)
Value100.00
Score1/3
Weight4.45%
1M Return0.93%
Value100.00
Score1/3
Weight4.45%
1M Return0.93%
Profit-MV
Value-1.03
Score0/3
Weight-10.31%
1M Return-2.31%
Value-1.03
Score0/3
Weight-10.31%
1M Return-2.31%
Total profit (YoY growth rate %)
Value127.97
Score3/3
Weight52.68%
1M Return9.32%
Value127.97
Score3/3
Weight52.68%
1M Return9.32%
Net profit margin (%)
Value4.68
Score2/3
Weight13.34%
1M Return2.69%
Value4.68
Score2/3
Weight13.34%
1M Return2.69%
Total profit / EBIT (%)
Value100.00
Score2/3
Weight15.63%
1M Return3.12%
Value100.00
Score2/3
Weight15.63%
1M Return3.12%
Operating revenue (YoY growth rate %)
Value79.08
Score1/3
Weight17.37%
1M Return3.29%
Value79.08
Score1/3
Weight17.37%
1M Return3.29%
Total assets turnover ratio
Value0.28
Score2/3
Weight23.40%
1M Return4.90%
Value0.28
Score2/3
Weight23.40%
1M Return4.90%
EBIT / Total operating revenue (%)
Value-3056.43
Score2/3
Weight13.18%
1M Return2.61%
Value-3056.43
Score2/3
Weight13.18%
1M Return2.61%
Asset-MV
Value-0.50
Score0/3
Weight-14.25%
1M Return-3.69%
Value-0.50
Score0/3
Weight-14.25%
1M Return-3.69%
Cash-MV
Value-0.07
Score0/3
Weight-15.49%
1M Return-3.39%
Value-0.07
Score0/3
Weight-15.49%
1M Return-3.39%
Is UPST undervalued or overvalued?
- UPST scores 8.36/10 on fundamentals and holds a Discounted valuation at present. Backed by its 5.08% ROE, 3.33% net margin, 115.50 P/E ratio, 5.00 P/B ratio, and 118.32% earnings growth, these metrics solidify its Outperform investment rating.
