Pavi Ramamurthy - Upstart HoldingsInc Chief Officer

UPST Stock  USD 24.47  1.28  4.97%   

Insider

Pavi Ramamurthy is Chief Officer of Upstart HoldingsInc
Address 2950 South Delaware Street, San Mateo, CA, United States, 94403
Phone833 212 2461
Webhttps://www.upstart.com

Upstart HoldingsInc Management Efficiency

The company has return on total asset (ROA) of (0.0701) % which means that it has lost $0.0701 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of (0.3673) %, meaning that it created substantial loss on money invested by shareholders. Upstart HoldingsInc's management efficiency ratios could be used to measure how well Upstart HoldingsInc manages its routine affairs as well as how well it operates its assets and liabilities. Return On Tangible Assets is likely to gain to -0.12 in 2024. Return On Capital Employed is likely to gain to -0.13 in 2024. Total Current Liabilities is likely to drop to about 120.7 M in 2024. Liabilities And Stockholders Equity is likely to drop to about 1.3 B in 2024
The company currently holds 1.24 B in liabilities with Debt to Equity (D/E) ratio of 1.42, which is about average as compared to similar companies. Upstart HoldingsInc has a current ratio of 20.94, suggesting that it is liquid enough and is able to pay its financial obligations when due. Debt can assist Upstart HoldingsInc until it has trouble settling it off, either with new capital or with free cash flow. So, Upstart HoldingsInc's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Upstart HoldingsInc sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Upstart to invest in growth at high rates of return. When we think about Upstart HoldingsInc's use of debt, we should always consider it together with cash and equity.

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Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence lending platform in the United States. The company was founded in 2012 and is headquartered in San Mateo, California. Upstart Holdings operates under Credit Services classification in the United States and is traded on NASDAQ Exchange. It employs 1497 people. Upstart HoldingsInc (UPST) is traded on NASDAQ Exchange in USA. It is located in 2950 South Delaware Street, San Mateo, CA, United States, 94403 and employs 1,388 people. Upstart HoldingsInc is listed under Consumer Finance category by Fama And French industry classification.

Management Performance

Upstart HoldingsInc Leadership Team

Elected by the shareholders, the Upstart HoldingsInc's board of directors comprises two types of representatives: Upstart HoldingsInc inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Upstart. The board's role is to monitor Upstart HoldingsInc's management team and ensure that shareholders' interests are well served. Upstart HoldingsInc's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Upstart HoldingsInc's outside directors are responsible for providing unbiased perspectives on the board's policies.
David Girouard, President, CoFounder
Pavi Ramamurthy, Chief Officer
Natalia Mirgorodskaya, Corporate Controller
Sanjay CFA, Chief Officer
Anna Counselman, CoFounder Operations
Alison Nicoll, G Sec
Scott Darling, Chief Sec
Annie Delgado, Chief Officer
Paul Gu, CTO CoFounder
Jason Schmidt, VP Relations
Scott Esq, Chief Secretary

Upstart Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Upstart HoldingsInc a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.

Upstart HoldingsInc Investors Sentiment

The influence of Upstart HoldingsInc's investor sentiment on the probability of its price appreciation or decline could be a good factor in your decision-making process regarding taking a position in Upstart. The overall investor sentiment generally increases the direction of a stock movement in a one-year investment horizon. However, the impact of investor sentiment on the entire stock market does not have solid backing from leading economists and market statisticians.
Investor biases related to Upstart HoldingsInc's public news can be used to forecast risks associated with an investment in Upstart. The trend in average sentiment can be used to explain how an investor holding Upstart can time the market purely based on public headlines and social activities around Upstart HoldingsInc. Please note that most equities that are difficult to arbitrage are affected by market sentiment the most.
Upstart HoldingsInc's market sentiment shows the aggregated news analyzed to detect positive and negative mentions from the text and comments. The data is normalized to provide daily scores for Upstart HoldingsInc's and other traded tickers. The bigger the bubble, the more accurate is the estimated score. Higher bars for a given day show more participation in the average Upstart HoldingsInc's news discussions. The higher the estimated score, the more favorable is the investor's outlook on Upstart HoldingsInc.

Upstart HoldingsInc Implied Volatility

    
  295.46  
Upstart HoldingsInc's implied volatility exposes the market's sentiment of Upstart HoldingsInc stock's possible movements over time. However, it does not forecast the overall direction of its price. In a nutshell, if Upstart HoldingsInc's implied volatility is high, the market thinks the stock has potential for high price swings in either direction. On the other hand, the low implied volatility suggests that Upstart HoldingsInc stock will not fluctuate a lot when Upstart HoldingsInc's options are near their expiration.
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards Upstart HoldingsInc in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, Upstart HoldingsInc's short interest history, or implied volatility extrapolated from Upstart HoldingsInc options trading.

Also Currently Popular

Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.
When determining whether Upstart HoldingsInc is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if Upstart Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Upstart Holdingsinc Stock. Highlighted below are key reports to facilitate an investment decision about Upstart Holdingsinc Stock:
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Upstart HoldingsInc. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in state.
For more information on how to buy Upstart Stock please use our How to Invest in Upstart HoldingsInc guide.
You can also try the Pattern Recognition module to use different Pattern Recognition models to time the market across multiple global exchanges.

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When running Upstart HoldingsInc's price analysis, check to measure Upstart HoldingsInc's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Upstart HoldingsInc is operating at the current time. Most of Upstart HoldingsInc's value examination focuses on studying past and present price action to predict the probability of Upstart HoldingsInc's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Upstart HoldingsInc's price. Additionally, you may evaluate how the addition of Upstart HoldingsInc to your portfolios can decrease your overall portfolio volatility.
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Is Upstart HoldingsInc's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Upstart HoldingsInc. If investors know Upstart will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Upstart HoldingsInc listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
2.091
Earnings Share
(2.87)
Revenue Per Share
6.547
Quarterly Revenue Growth
0.019
Return On Assets
(0.07)
The market value of Upstart HoldingsInc is measured differently than its book value, which is the value of Upstart that is recorded on the company's balance sheet. Investors also form their own opinion of Upstart HoldingsInc's value that differs from its market value or its book value, called intrinsic value, which is Upstart HoldingsInc's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Upstart HoldingsInc's market value can be influenced by many factors that don't directly affect Upstart HoldingsInc's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Upstart HoldingsInc's value and its price as these two are different measures arrived at by different means. Investors typically determine if Upstart HoldingsInc is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Upstart HoldingsInc's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.