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Upturn AI SWOT - About
KPLT 
Katapult Holdings Inc (KPLT)
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Upturn Advisory Summary
09/17/2025: KPLT (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $11
1 Year Target Price $11
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 44.89% | Avg. Invested days 34 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 92.40M USD | Price to earnings Ratio - | 1Y Target Price 11 |
Price to earnings Ratio - | 1Y Target Price 11 | ||
Volume (30-day avg) 2 | Beta 1.58 | 52 Weeks Range 5.08 - 24.34 | Updated Date 09/17/2025 |
52 Weeks Range 5.08 - 24.34 | Updated Date 09/17/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -7.08 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -11.97% | Operating Margin (TTM) 9.74% |
Management Effectiveness
Return on Assets (TTM) 13.87% | Return on Equity (TTM) -340.75% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 200584220 | Price to Sales(TTM) 0.35 |
Enterprise Value 200584220 | Price to Sales(TTM) 0.35 | ||
Enterprise Value to Revenue 0.75 | Enterprise Value to EBITDA 1.42 | Shares Outstanding 4569550 | Shares Floating 3849386 |
Shares Outstanding 4569550 | Shares Floating 3849386 | ||
Percent Insiders 32.75 | Percent Institutions 35.83 |
Upturn AI SWOT
Katapult Holdings Inc
Company Overview
History and Background
Katapult Holdings, Inc. (KPLT) provides e-commerce focused lease-to-own (LTO) purchase options for non-prime consumers. Founded in 2014, it went public via a SPAC merger in 2021. Katapult aims to offer an alternative financing solution for consumers unable to access traditional credit.
Core Business Areas
- E-Commerce Lease-to-Own: Katapult provides LTO solutions integrated into e-commerce platforms, enabling consumers to acquire durable goods like furniture, electronics, and appliances through flexible payment plans.
Leadership and Structure
Katapult is led by CEO Orlando Zayas. The company has a board of directors overseeing its strategic direction. The organizational structure is typically hierarchical, with departments focused on technology, sales, marketing, operations, and finance.
Top Products and Market Share
Key Offerings
- E-Commerce Lease-to-Own Platform: Katapult's core product is its LTO platform, integrated with various e-commerce retailers. Market share data is difficult to determine, though revenue is the main driver. Competitors include companies like Acima (acquired by Rent-A-Center) and Progressive Leasing (owned by Aaron's).
Market Dynamics
Industry Overview
The LTO industry caters to consumers with limited access to traditional credit. It is competitive and heavily influenced by economic conditions and consumer spending habits.
Positioning
Katapult positions itself as a technology-driven LTO provider focusing on e-commerce integrations, offering a more streamlined and user-friendly experience compared to traditional brick-and-mortar LTO businesses.
Total Addressable Market (TAM)
The TAM for the LTO market is substantial, estimated to be in the tens of billions of dollars annually. Katapult aims to capture a larger share of this market through its focus on e-commerce and technology.
Upturn SWOT Analysis
Strengths
- E-commerce focus
- Technology platform
- Partnerships with retailers
Weaknesses
- High default rates among non-prime consumers
- Dependence on economic conditions
- Competitive landscape
Opportunities
- Expanding partnerships with e-commerce retailers
- Developing new LTO products and services
- Targeting underserved consumer segments
Threats
- Economic downturns
- Increased competition
- Changes in regulations
- High interest rates
Competitors and Market Share
Key Competitors
- RAC
- PRG
- GO
Competitive Landscape
Katapult faces strong competition from larger, more established players in the LTO industry. Its competitive advantage lies in its e-commerce focus and technology platform.
Growth Trajectory and Initiatives
Historical Growth: Growth has been inconsistent, with periods of rapid expansion followed by slowdowns due to economic factors and changes in consumer behavior.
Future Projections: Analysts' projections vary. Some anticipate growth as Katapult expands its retailer partnerships and offerings, while others are more cautious due to the challenging economic environment.
Recent Initiatives: Recent initiatives include focusing on reducing defaults, improving technology platform and growing partnerships.
Summary
Katapult Holdings is a small company in the lease-to-own e-commerce space. It is trying to make ground in a space led by big name brands. It needs to focus on partnerships, economics of scale and proper AI based modeling for loans. Company is not very strong at this point in time.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions can change, and investors should conduct their own due diligence.
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.
About Katapult Holdings Inc
Exchange NASDAQ | Headquaters Plano, TX, United States | ||
IPO Launch date 2019-12-30 | CEO & Director Mr. Orlando J. Zayas | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 94 | Website https://www.katapult.com |
Full time employees 94 | 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 nonprime 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 its app marketplace. 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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