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Upturn AI Summary - About
Katapult Holdings Inc(KPLT)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for KPLT
09/25/2026: KPLT (1-star) is a SELL. SELL for 3 days. Simulated Profits (-22.49%). Updated daily EoD!
Katapult Holdings is a fintech company specializing in lease-to-own financing solutions for non-prime consumers shopping online. Its primary business strength lies in a proprietary AI-driven underwriting model that manages credit risk while integrating into retail checkout flows. The company's growth story revolves around expanding its merchant network and optimizing capital efficiency within the high-demand, high-risk consumer finance segment. Investors must monitor risks related to credit loss sensitivity, economic cycles, and intense competition from larger BNPL providers. This stock generally fits investors comfortable with high volatility and regulatory exposure, as it remains a niche player in a rapidly evolving financial ecosystem.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company operates in a high-growth sector but faces significant execution hurdles and competition. |
| Momentum investor | Mixed fit | Momentum is highly conditional on sustained positive sentiment regarding their credit risk management and volume growth. |
| Value investor | Weak fit | The company's earnings volatility and capital-intensive nature make it a difficult fit for traditional value-based analysis. |
| Dividend investor | Weak fit | Katapult does not pay a dividend and is reinvesting capital into operations. |
| Low-risk investor | Weak fit | The stock's inherent volatility and exposure to credit risk make it unsuitable for conservative investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock is subject to sharp fluctuations based on quarterly credit performance and broader market sentiment. |
| Valuation risk | Medium / high | Valuation is often disconnected from earnings due to the speculative nature of growth in the non-prime fintech space. |
| Competition risk (BNPL/Fintech) | High | Competitors like Affirm and Block have significant scale advantages and deep capital access. |
| Business quality | Medium | The business model provides essential access to credit for some consumers but faces inherent credit risk management challenges. |
| Dividend income | Low / none | There is no expectation of dividend income for shareholders. |
| Execution risk | Medium / high | Success depends on the consistent accuracy of proprietary underwriting models across varying economic cycles. |
Price Behavior
Steady Uptrend
The stock demonstrates consistent and steady upward price momentum.
Extreme Price Shocks
The stock has experienced exceptionally large and disruptive price movements during the period.
Analysis of Past Performance
Type Stock | Historic Profit -36.44% | Avg. Invested days 29 | Today’s Advisory SELL |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 489.58M USD | Price to earnings Ratio 3.87 | 1Y Target Price 6.75 |
Price to earnings Ratio 3.87 | 1Y Target Price 6.75 | ||
Volume (30-day avg) 226.7K shares | Beta 1.57 | 52 Weeks Range 4.84 - 17.45 | Updated Date 09/25/2026 |
52 Weeks Range 4.84 - 17.45 | Updated Date 09/25/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.49 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Lease-to-Own Financing | Interest and fees earned through lease-purchase agreements with non-prime customers. | Katapult makes money by charging consumers fees for the ability to rent and potentially own durable goods through a lease program. |
Valuation
Trailing PE 3.87 | Forward PE - | Enterprise Value 661.37M | Price to Sales(TTM) 0.13 |
Enterprise Value 661.37M | Price to Sales(TTM) 0.13 | ||
Enterprise Value to Revenue 2.19 | Enterprise Value to EBITDA 2.91 | Shares Outstanding 84.85M | Shares Floating 4.65M |
Shares Outstanding 84.85M | Shares Floating 4.65M | ||
Percent Insiders 64.75 | Percent Institutions 2.28 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Katapult Holdings Inc
Exchange NASDAQ | Headquarters - | ||
IPO Launch date 2019-12-30 | CEO & Director Mr. Cory J. Miller | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 87 | Website https://www.katapult.com |
Full time employees 87 | Website https://www.katapult.com | ||
Katapult Holdings, Inc. operates a lease-to-own platform for nonprime consumers in the United States. The company's platform integrates retailers and e-commerce platforms to enable non-prime customers to purchase everyday durable goods. It also offers Katapult Pay, a POS integrations and mobile app that allows consumers to leverage its virtual credit card technology to shop various durable goods merchants featured in app marketplace. In addition, the company offers its platform through direct integration, waterfall integration, mobile app, and text-to-checkout channels. The company was formerly known as Cognical Holdings, Inc. and changed its name to Katapult Holdings, Inc. in February 2020. The company is headquartered in Plano, Texas.
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