Upstart (UPST) Fundamental Analysis: Revenue, Earnings & Valuation

7.08 / 10

Outperform

Fundamentally, UPST scores 7.1/10. Strong points include rapid profit and revenue growth, high asset turnover, and solid EBIT margins. Weaknesses are low asset‑to‑market and cash‑to‑market ratios, negative operating cash‑flow growth, and modest net profit margin.

Analysis Checks(4/10)

Gross profit margin (%)

Value100.00

Score1/3

Weight3.36%

1M Return0.72%

Total profit (YoY growth rate %)

Value142.31

Score3/3

Weight54.75%

1M Return9.18%

Net cash flow from operating activities (YoY growth rate %)

Value-179.28

Score0/3

Weight-2.03%

1M Return-0.48%

Net profit margin (%)

Value5.13

Score0/3

Weight10.39%

1M Return2.13%

Total profit / EBIT (%)

Value100.00

Score2/3

Weight17.04%

1M Return3.38%

Operating revenue (YoY growth rate %)

Value63.99

Score1/3

Weight15.96%

1M Return3.12%

Total assets turnover ratio

Value0.39

Score2/3

Weight22.63%

1M Return4.42%

EBIT / Total operating revenue (%)

Value-934.44

Score2/3

Weight12.24%

1M Return2.48%

Asset-MV

Value-0.55

Score0/3

Weight-14.58%

1M Return-4.14%

Cash-MV

Value-0.02

Score0/3

Weight-19.76%

1M Return-4.63%

Is UPST fundamentally strong?

UPST scores 7.08/10 on fundamentals and holds a Discounted valuation at present. Backed by its 7.49% ROE, 5.13% net margin, 46.34 P/E ratio, 3.11 P/B ratio, and 138.89% earnings growth, these metrics solidify its Outperform investment rating.