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Sarah Patel's Avatar
published in Blogs
Aug 14, 2021

Upstart (UPST, $203.29) shares get rating upgrade at Barclays

Upstart Holdings shares got a rating boost at Barclays.

Barclays' analyst Ramsey El-Assal upgraded shares of the AI lending platform to overweight from equal weight.  The analyst also hiked his price target on the stock to $230 from $130.

According to El-Assal,  "continued impressive performance," leads to Barclays’ expectations of improvements in conversion rate, top-of-funnel acquisition, and margins are more sustainable than they previously thought. The analyst sees additional upside potential from the auto vertical, and normalization of the credit environment.

El-Assal mentioned that macro factors have resulted in a lower cost of funds, which has helped Upstart offer loans on lower rates for potential borrowers.

The analyst noted that the majority of Upstart’s conversion rate improvement has been fuelled by improvements to the company’s underwriting technology which have enabled  the company offer more attractive rates to a wider group of borrowers.

Related Ticker: UPST

UPST's Stochastic Oscillator sits in overbought zone for 4 days

The longer the ticker stays in the overbought zone, the sooner a price pull-back is expected.

Price Prediction Chart

Technical Analysis (Indicators)

Bearish Trend Analysis

The 10-day RSI Indicator for UPST moved out of overbought territory on May 31, 2023. This could be a bearish sign for the stock. Traders may want to consider selling the stock or buying put options. Tickeron's A.I.dvisor looked at 16 similar instances where the indicator moved out of overbought territory. In of the 16 cases, the stock moved lower in the following days. This puts the odds of a move lower at .

Following a 3-day decline, the stock is projected to fall further. Considering past instances where UPST declined for three days, the price rose further in of 62 cases within the following month. The odds of a continued downward trend are .

UPST broke above its upper Bollinger Band on May 22, 2023. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.

Bullish Trend Analysis

The Momentum Indicator moved above the 0 level on May 10, 2023. You may want to consider a long position or call options on UPST as a result. In of 39 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are .

The Moving Average Convergence Divergence (MACD) for UPST just turned positive on May 10, 2023. Looking at past instances where UPST's MACD turned positive, the stock continued to rise in of 19 cases over the following month. The odds of a continued upward trend are .

UPST moved above its 50-day moving average on May 10, 2023 date and that indicates a change from a downward trend to an upward trend.

The 10-day moving average for UPST crossed bullishly above the 50-day moving average on May 16, 2023. This indicates that the trend has shifted higher and could be considered a buy signal. In of 7 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are .

Following a +2 3-day Advance, the price is estimated to grow further. Considering data from situations where UPST advanced for three days, in of 127 cases, the price rose further within the following month. The odds of a continued upward trend are .

The Aroon Indicator entered an Uptrend today. In of 89 cases where UPST Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are .

Fundamental Analysis (Ratings)

Fear & Greed

The Tickeron Price Growth Rating for this company is (best 1 - 100 worst), indicating steady price growth. UPST’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.

The Tickeron Valuation Rating of (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (3.722) is normal, around the industry mean (4.030). P/E Ratio (20.040) is within average values for comparable stocks, (29.214). Projected Growth (PEG Ratio) (0.000) is also within normal values, averaging (1.416). UPST has a moderately low Dividend Yield (0.000) as compared to the industry average of (0.048). P/S Ratio (3.679) is also within normal values, averaging (6.009).

The Tickeron SMR rating for this company is (best 1 - 100 worst), indicating weak sales and an unprofitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.

The Tickeron PE Growth Rating for this company is (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.

The Tickeron Profit vs. Risk Rating rating for this company is (best 1 - 100 worst), indicating that the returns do not compensate for the risks. UPST’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 83, placing this stock worse than average.

Notable companies

The most notable companies in this group are VISA (NYSE:V), Mastercard (NYSE:MA), American Express Company (NYSE:AXP), PayPal Holdings (NASDAQ:PYPL), Capital One Financial (NYSE:COF), Discover Financial Services (NYSE:DFS), United Rentals (NYSE:URI), Synchrony Financial (NYSE:SYF), SLM Corp (NASDAQ:SLM), Bread Financial Holdings (NYSE:BFH).

Industry description

A leasing company (e.g. United Rentals, Inc. ) is typically the legal owner of the asset for the duration of the lease, while the lessee has operating control over the asset while also having some share of the economic risks and returns from the change in the valuation of the underlying asset. Per capita disposable income and corporate earnings or cash flow could be some of the critical metrics for this business – the higher the values of these metrics, the potentially greater ability of consumers/businesses to afford apartments/office spaces for rent. Other finance companies include credit/debit card payment processing companies (e.g. Visa Inc. and Mastercard), private label credit cards providers (e.g. Synchrony Financial) and automobile finance companies (e.g. Credit Acceptance Corporation).

Market Cap

The average market capitalization across the Finance/Rental/Leasing Industry is 8.58B. The market cap for tickers in the group ranges from 2.17K to 479.18B. V holds the highest valuation in this group at 479.18B. The lowest valued company is AZNVF at 2.17K.

High and low price notable news

The average weekly price growth across all stocks in the Finance/Rental/Leasing Industry was 4%. For the same Industry, the average monthly price growth was 2%, and the average quarterly price growth was -2%. SEZNL experienced the highest price growth at 391%, while DWIS experienced the biggest fall at -43%.

Volume

The average weekly volume growth across all stocks in the Finance/Rental/Leasing Industry was 37%. For the same stocks of the Industry, the average monthly volume growth was 8% and the average quarterly volume growth was 12%

Fundamental Analysis Ratings

The average fundamental analysis ratings, where 1 is best and 100 is worst, are as follows

Valuation Rating: 44
P/E Growth Rating: 64
Price Growth Rating: 51
SMR Rating: 67
Profit Risk Rating: 82
Seasonality Score: -9 (-100 ... +100)
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A.I.Advisor
published price charts
A.I. Advisor
published General Information

General Information

Industry FinanceRentalLeasing

Profile
Fundamentals
Details
Industry
N/A
Address
2950 S. Delaware Street
Phone
+1 650 204-1000
Employees
1875
Web
https://www.upstart.com
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UPST and

Correlation & Price change

A.I.dvisor indicates that over the last year, UPST has been loosely correlated with LC. These tickers have moved in lockstep 63% of the time. This A.I.-generated data suggests there is some statistical probability that if UPST jumps, then LC could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UPST
1D Price
Change %
UPST100%
-4.53%
LC - UPST
63%
Loosely correlated
-0.68%
SOFI - UPST
60%
Loosely correlated
+3.13%
LPRO - UPST
58%
Loosely correlated
-0.28%
RKT - UPST
56%
Loosely correlated
+0.36%
ALLY - UPST
53%
Loosely correlated
-2.06%
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