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Upturn AI SWOT - About
UPST 
Upstart Holdings Inc (UPST)
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Upturn Advisory Summary
09/12/2025: UPST (5-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Outstanding Performance
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Number of Analysts
15 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $80.85
1 Year Target Price $80.85
| 4 | Strong Buy |
| 2 | Buy |
| 7 | Hold |
| 1 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 146.55% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.07B USD | Price to earnings Ratio - | 1Y Target Price 80.85 |
Price to earnings Ratio - | 1Y Target Price 80.85 | ||
Volume (30-day avg) 15 | Beta 2.38 | 52 Weeks Range 31.40 - 96.43 | Updated Date 09/14/2025 |
52 Weeks Range 31.40 - 96.43 | Updated Date 09/14/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.05 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -0.72% | Operating Margin (TTM) 4.65% |
Management Effectiveness
Return on Assets (TTM) -0.49% | Return on Equity (TTM) -0.96% |
Valuation
Trailing PE - | Forward PE 125 | Enterprise Value 7206323200 | Price to Sales(TTM) 6.86 |
Enterprise Value 7206323200 | Price to Sales(TTM) 6.86 | ||
Enterprise Value to Revenue 8.93 | Enterprise Value to EBITDA - | Shares Outstanding 96217696 | Shares Floating 84107777 |
Shares Outstanding 96217696 | Shares Floating 84107777 | ||
Percent Insiders 12.42 | Percent Institutions 66.33 |
Upturn AI SWOT
Upstart Holdings Inc
Company Overview
History and Background
Upstart was founded in 2012 by Dave Girouard, Paul Gu, and Anna Counselman. It went public in December 2020. Upstart uses AI to improve access to affordable credit while reducing the risk and cost of lending for its bank partners.
Core Business Areas
- Personal Loans: Upstart's primary business is facilitating personal loans through its AI-powered platform, connecting borrowers with banks and credit unions.
- Auto Loans: Upstart offers auto loan refinancing through its platform, applying its AI models to the auto lending market.
- Small Business Loans: Upstart leverages its AI models to facilitate small business loans
Leadership and Structure
Dave Girouard is the CEO. The company operates with a functional organizational structure, with teams focused on engineering, product, marketing, sales, and finance.
Top Products and Market Share
Key Offerings
- Personal Loans: Upstart's AI-powered platform connects borrowers with lenders. Market share data is not readily available, but Upstart focuses on a specific segment of borrowers with limited credit history. Competitors include LendingClub, SoFi, and Prosper.
- Auto Refinance: Upstart's auto refinance product allows borrowers to lower their interest rates and monthly payments. Market share data for Upstart's auto refinance business is limited, but the overall auto loan market is large. Competitors include Auto Credit Express, Carvana, and Capital One Auto Navigator.
- Small Business Loans: Upstart's small business loan product helps small businesses get access to capital. Competitors include BlueVine, Fundbox, and Kabbage.
Market Dynamics
Industry Overview
The fintech lending industry is experiencing rapid growth, driven by technological advancements and changing consumer preferences. AI and machine learning are increasingly used to improve credit risk assessment and loan origination.
Positioning
Upstart differentiates itself through its AI-powered lending platform, which it claims provides more accurate risk assessment than traditional credit scoring models. Its competitive advantage lies in its technology and data analytics capabilities.
Total Addressable Market (TAM)
The total addressable market (TAM) for unsecured personal loans in the US is estimated to be over $800 billion. Upstart is positioned to capture a significant portion of this market by expanding its partnerships and product offerings.
Upturn SWOT Analysis
Strengths
- AI-powered lending platform
- Strong growth in loan originations
- Partnerships with banks and credit unions
- Experienced management team
- Low overhead (compared to brick-and-mortar lenders)
Weaknesses
- Dependence on bank partners
- Exposure to macroeconomic conditions
- Relatively new company
- Unproven long-term track record
Opportunities
- Expansion into new loan products (e.g., mortgages)
- Increased adoption of AI in lending
- Growing demand for online lending platforms
- Partnerships with more financial institutions
- International Expansion
Threats
- Increased competition from other fintech lenders
- Changes in regulations related to lending
- Economic downturn
- Cybersecurity risks
- Consumer Privacy concerns
Competitors and Market Share
Key Competitors
- LC
- SOFI
- ALLY
Competitive Landscape
Upstart's AI-powered platform gives it a competitive edge in risk assessment. However, competitors like LendingClub and SoFi have larger established user bases and offer a wider range of financial products.
Major Acquisitions
Prodigy Software
- Year: 2021
- Acquisition Price (USD millions): 0
- Strategic Rationale: Acquisition of Prodigy Software, an automotive retail software company, in order to accelerate the Upstart Auto Retail software product. Prodigy was purchased for $0 in cash, but up to $114 million contingent on performance.
Growth Trajectory and Initiatives
Historical Growth: Upstart has experienced rapid growth in loan originations and revenue since its founding. However, growth has slowed down due to the high interest rate environment.
Future Projections: Analysts project continued growth for Upstart, driven by increased adoption of its AI-powered lending platform and expansion into new markets. However, these projections are subject to economic conditions and regulatory changes.
Recent Initiatives: Upstart has focused on expanding its auto lending business and partnering with more banks and credit unions.
Summary
Upstart is a fintech company using AI for lending, showing robust growth potential. Its AI platform offers a competitive advantage in risk assessment, while challenges include dependence on bank partners and exposure to economic cycles. The company is strategically expanding into auto lending, but must navigate a competitive and evolving regulatory landscape to maintain its growth trajectory.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
Disclaimers:
The analysis provided is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual research and consultation with a qualified financial advisor.
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 Upstart Holdings Inc
Exchange NASDAQ | Headquaters San Mateo, CA, United States | ||
IPO Launch date 2020-12-16 | Co-Founder, President, CEO & Chairperson of the Board Mr. David J. Girouard | ||
Sector Financial Services | Industry Credit Services | Full time employees 1193 | Website https://www.upstart.com |
Full time employees 1193 | Website https://www.upstart.com | ||
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small dollar loans. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.
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