Upstart Holdings (Upstart Holdings) GF Value Rank : 10 (As of May. 12, 2024)

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What is Upstart Holdings GF Value Rank?

Upstart Holdings has the GF Value Rank of 10.

The GF Value Rank is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Competitive Comparison of Upstart Holdings's GF Value Rank

For the Credit Services subindustry, Upstart Holdings's GF Value Rank, along with its competitors' market caps and GF Value Rank data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Upstart Holdings's GF Value Rank Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Upstart Holdings's GF Value Rank distribution charts can be found below:

* The bar in red indicates where Upstart Holdings's GF Value Rank falls into.

Upstart Holdings GF Value Rank Related Terms

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Upstart Holdings (Upstart Holdings) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » Upstart Holdings Inc (NAS:UPST) » Definitions » GF Value Rank

Comparable Companies

Traded in Other Exchanges

UPST:Mexico 855:Germany 855:Germany

Address

2950 S. Delaware Street, Suite 300, San Mateo, CA, USA, 94403

Website

https://www.upstart.com

Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners. The revenue of the company comprised of fees paid by banks.

Executives

Sanjay Datta	officer: Chief Financial Officer	C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403
Scott Darling	officer: Chief Legal Officer	C/O STITCH FIX, INC., 1 MONTGOMERY STREET, SUITE 1500, SAN FRANCISCO CA 94104
Paul Gu	director, officer: SVP, Product and Data Science	C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403
Natalia Mirgorodskaya	officer: Corporate Controller	C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403
Dave Girouard	director, 10 percent owner, officer: Chief Executive Officer	C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403
Kerry Whorton Cooper	director	77 BEALE ST., P.O. BOX 770000, SAN FRANCISCO CA 94177
Alison Nicoll	officer: General Counsel	C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403
Daniel S Loeb	10 percent owner, other: See Footnote (1)	THIRD POINT LLC, 390 PARK AVENUE, NEW YORK NY 10022
Third Point Llc	10 percent owner	55 HUDSON YARDS, NEW YORK NY 10001
Cassidy Sukhinder Singh	director	C/O URBAN OUTFITTERS INC, 5000 SOUTH BROAD STREET, PHILADELPHIA PA 19112
Mary Hentges	director	C/O SHOTSPOTTER, INC., 7979 GATEWAY BLVD., STE. 210, NEWARK CA 94560
Terry Hilliard C. Iii	director	ONE SW COLUMBIA ST STE 1200, PORTLAND OR 97258
Anna M. Counselman	officer: SVP, People and Operations	C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403
Jeff Huber	director	209 REDWOOD SHORES PARKWAY, REDWOOD CITY CA 94065
Robert S Schwartz	director	C/O THIRD POINT LLC, 390 PARK AVENUE, NEW YORK NY 10022