Upstart Holdings Stock Year To Date Return

UPST Stock

USD 79.22 2.52 3.08%

Upstart Holdings' fundamental analysis aims to assess its intrinsic value by examining key economic and financial indicators - such as cash flow records, changes in balance sheet accounts, income statement trends, financial ratios, and relevant microeconomic factors affecting Upstart Stock price.

Short Long Term Debt Total Total Assets

Build AI portfolio with Upstart Stock

This module does not cover all equities due to inconsistencies in global equity categorizations. Continue to Equity Screeners to view more equity screening tools.

Upstart Holdings Company Year To Date Return Analysis

Upstart Holdings' Year to Date Return (YTD) is the total return generated from holding a security from the beginning of the current fiscal year. In other words, YTD Return represents the capital appreciation of your investments from the start of the current fiscal year.

YTD Return

(Mean of Monthly Returns - 1)

X

100%

More About Year To Date Return | All Equity Analysis

Upstart Year To Date Return Driver Correlations

Understanding the fundamental principles of building solid financial models for Upstart Holdings is extremely important. It helps to project a fair market value of Upstart Stock properly, considering its historical fundamentals such as Year To Date Return. Since Upstart Holdings' main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Upstart Holdings' historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Upstart Holdings' interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Tangible Assets	Net Debt	Retained Earnings	Accounts Payable	Long Term Debt	Net Receivables	Total Liab	Net Invested Capital	Short Long Term Debt	Total Current Assets	Capital Stock	Short Term Debt	Intangible Assets	Common Stock	Property Plant Equipment	Short Term Investments	Long Term Debt Total	Capital Surpluse	Long Term Investments	Current Deferred Revenue
Total Assets		0.93	0.91	0.35	-0.53	0.69	0.91	0.68	0.97	0.98	0.77	0.87	0.88	0.77	0.72	0.88	0.75	0.87	0.88	-0.59	0.7	0.59
Total Stockholder Equity	0.93		0.97	0.02	-0.34	0.78	0.86	0.57	0.82	0.96	0.69	0.87	0.94	0.69	0.84	0.94	0.91	0.74	0.72	-0.5	0.54	0.43
Net Tangible Assets	0.91	0.97		0.02	-0.49	0.81	0.92	0.71	0.8	0.95	0.68	0.81	0.96	0.68	0.78	0.96	0.86	0.79	0.77	-0.66	0.66	0.55
Net Debt	0.35	0.02	0.02		-0.51	0.12	0.26	0.32	0.52	0.24	0.62	0.32	0.04	0.62	-0.06	0.04	-0.31	0.58	0.57	-0.25	0.33	0.24
Retained Earnings	-0.53	-0.34	-0.49	-0.51		-0.41	-0.66	-0.89	-0.62	-0.52	-0.53	-0.24	-0.5	-0.53	0.04	-0.5	-0.11	-0.76	-0.78	0.86	-0.88	-0.83
Accounts Payable	0.69	0.78	0.81	0.12	-0.41		0.73	0.64	0.59	0.79	0.78	0.61	0.88	0.78	0.7	0.88	0.53	0.79	0.76	-0.5	0.52	0.38
Long Term Debt	0.91	0.86	0.92	0.26	-0.66	0.73		0.86	0.88	0.91	0.7	0.75	0.84	0.7	0.7	0.84	0.69	0.89	0.88	-0.84	0.83	0.73
Net Receivables	0.68	0.57	0.71	0.32	-0.89	0.64	0.86		0.7	0.7	0.59	0.39	0.68	0.59	0.32	0.68	0.38	0.85	0.85	-0.95	0.94	0.87
Total Liab	0.97	0.82	0.8	0.52	-0.62	0.59	0.88	0.7		0.93	0.77	0.81	0.78	0.77	0.58	0.78	0.61	0.9	0.91	-0.6	0.75	0.65
Net Invested Capital	0.98	0.96	0.95	0.24	-0.52	0.79	0.91	0.7	0.93		0.78	0.85	0.95	0.78	0.75	0.95	0.8	0.87	0.87	-0.59	0.69	0.58
Short Long Term Debt	0.77	0.69	0.68	0.62	-0.53	0.78	0.7	0.59	0.77	0.78		0.79	0.71	1.0	0.57	0.71	0.38	0.9	0.85	-0.45	0.46	0.28
Total Current Assets	0.87	0.87	0.81	0.32	-0.24	0.61	0.75	0.39	0.81	0.85	0.79		0.73	0.79	0.81	0.73	0.73	0.71	0.65	-0.36	0.33	0.17
Capital Stock	0.88	0.94	0.96	0.04	-0.5	0.88	0.84	0.68	0.78	0.95	0.71	0.73		0.71	0.69	1.0	0.79	0.8	0.8	-0.57	0.65	0.55
Short Term Debt	0.77	0.69	0.68	0.62	-0.53	0.78	0.7	0.59	0.77	0.78	1.0	0.79	0.71		0.57	0.71	0.38	0.9	0.85	-0.45	0.46	0.28
Intangible Assets	0.72	0.84	0.78	-0.06	0.04	0.7	0.7	0.32	0.58	0.75	0.57	0.81	0.69	0.57		0.69	0.78	0.53	0.48	-0.28	0.24	0.11
Common Stock	0.88	0.94	0.96	0.04	-0.5	0.88	0.84	0.68	0.78	0.95	0.71	0.73	1.0	0.71	0.69		0.79	0.8	0.8	-0.57	0.65	0.55
Property Plant Equipment	0.75	0.91	0.86	-0.31	-0.11	0.53	0.69	0.38	0.61	0.8	0.38	0.73	0.79	0.38	0.78	0.79		0.43	0.43	-0.35	0.36	0.3
Short Term Investments	0.87	0.74	0.79	0.58	-0.76	0.79	0.89	0.85	0.9	0.87	0.9	0.71	0.8	0.9	0.53	0.8	0.43		0.99	-0.73	0.8	0.67
Long Term Debt Total	0.88	0.72	0.77	0.57	-0.78	0.76	0.88	0.85	0.91	0.87	0.85	0.65	0.8	0.85	0.48	0.8	0.43	0.99		-0.72	0.85	0.73
Capital Surpluse	-0.59	-0.5	-0.66	-0.25	0.86	-0.5	-0.84	-0.95	-0.6	-0.59	-0.45	-0.36	-0.57	-0.45	-0.28	-0.57	-0.35	-0.73	-0.72		-0.9	-0.83
Long Term Investments	0.7	0.54	0.66	0.33	-0.88	0.52	0.83	0.94	0.75	0.69	0.46	0.33	0.65	0.46	0.24	0.65	0.36	0.8	0.85	-0.9		0.98
Current Deferred Revenue	0.59	0.43	0.55	0.24	-0.83	0.38	0.73	0.87	0.65	0.58	0.28	0.17	0.55	0.28	0.11	0.55	0.3	0.67	0.73	-0.83	0.98

Click cells to compare fundamentals

Year-To-Date typically refers to a period starting from the beginning of the current year and continuing up to the present day. Investors should becareful when comparing YTD ratios if not much of the year has occurred as research shows that YTD measures are more sensitive to early periods than late.

Competition

Predict Upstart Holdings

Upstart Return On Tangible Assets

Return On Tangible Assets

(0.0533)

At this time, Upstart Holdings' Return On Tangible Assets are comparatively stable compared to the past year.

As per the company's disclosures, Upstart Holdings has a Year To Date Return of 0.0%. This indicator is about the same for the Consumer Finance average (which is currently at 0.0) sector and about the same as Financials (which currently averages 0.0) industry. This indicator is about the same for all United States stocks average (which is currently at 0.0).

Upstart Year To Date Return Peer Comparison

Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Upstart Holdings' direct or indirect competition against its Year To Date Return to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Upstart Holdings could also be used in its relative valuation, which is a method of valuing Upstart Holdings by comparing valuation metrics of similar companies.

Upstart Holdings is currently under evaluation in year to date return category among its peers.

Upstart Holdings Current Valuation Drivers

We derive many important indicators used in calculating different scores of Upstart Holdings from analyzing Upstart Holdings' financial statements. These drivers represent accounts that assess Upstart Holdings' ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Upstart Holdings' important valuation drivers and their relationship over time.

	2020	2021	2022	2023	2024	2025 (projected)
Market Cap	3.0B	11.8B	1.1B	3.4B	5.5B	2.8B
Enterprise Value	2.8B	11.6B	1.8B	4.3B	6.2B	3.4B

Upstart Holdings ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Upstart Holdings' sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Upstart Holdings' managers, analysts, and investors.

Environmental

Governance

Social

Upstart Fundamentals

	Return On Equity	-0.1
	Return On Asset	-0.0217
	Profit Margin	(0.09) %
	Operating Margin	0.01 %
	Current Valuation	8.63 B
	Shares Outstanding	95.14 M
	Shares Owned By Insiders	12.56 %
	Shares Owned By Institutions	63.99 %
	Number Of Shares Shorted	18.61 M
	Price To Earning	17.98 X
	Price To Book	11.49 X
	Price To Sales	10.25 X
	Revenue	628.83 M
	Gross Profit	599.76 M
	EBITDA	(111.87 M)
	Net Income	(128.58 M)
	Cash And Equivalents	683.97 M
	Cash Per Share	8.35 X
	Total Debt	1.45 B
	Debt To Equity	1.42 %
	Current Ratio	21.37 X
	Book Value Per Share	7.12 X
	Cash Flow From Operations	186.33 M
	Short Ratio	2.92 X
	Earnings Per Share	(0.73) X
	Price To Earnings To Growth	(20.31) X
	Target Price	67.36
	Number Of Employees	1.19 K
	Beta	2.37
	Market Capitalization	7.78 B
	Total Asset	2.37 B
	Retained Earnings	(411.16 M)
	Net Asset	2.37 B

About Upstart Holdings Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Upstart Holdings's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Upstart Holdings using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Upstart Holdings based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

Thematic Opportunities

Explore Investment Opportunities

Build portfolios using Macroaxis predefined set of investing ideas. Many of Macroaxis investing ideas can easily outperform a given market. Ideas can also be optimized per your risk profile before portfolio origination is invoked. Macroaxis thematic optimization helps investors identify companies most likely to benefit from changes or shifts in various micro-economic or local macro-level trends. Originating optimal thematic portfolios involves aligning investors' personal views, ideas, and beliefs with their actual investments.

Explore Investing Ideas

Additional Tools for Upstart Stock Analysis

When running Upstart Holdings' price analysis, check to measure Upstart Holdings' 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 Holdings is operating at the current time. Most of Upstart Holdings' value examination focuses on studying past and present price action to predict the probability of Upstart Holdings' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Upstart Holdings' price. Additionally, you may evaluate how the addition of Upstart Holdings to your portfolios can decrease your overall portfolio volatility.

Macroaxis helps investors of all levels and skills to maximize the upside of all their holdings and minimize the risk associated with market volatility, economic swings, and company-specific events. View terms and conditions

Feedback Blog

Made with optimal in San Francisco

2025 Macroaxis LLC