keine FinanzberatungUPST · Upstart Holdings, Inc.
AI-based consumer-lending marketplace that underwrites loans for bank partners
Risiko 7/10 · HIGH RISK · cyclical AI lender · $28.05 ▼ 1.65%Von KI geschrieben
Stand der Zahlen: · Quellen: öffentliche Markt-Aggregatoren
Kennzahlen
- Price $28.05
- Market cap $2.7B
- P/E (ttm) 53.94
- Div yield none
- 52-wk range $23.96 – $71.38
Wichtigste Risiken
- Credit-cycle downturn hits volumes and defaults at once (Shareholders) — HIGH
- Dependence on institutional loan buyers for funding (Shareholders) — HIGH
- AI underwriting model untested in a deep recession (Loan buyers) — HIGH
- Heavy balance-sheet leverage amplifies shocks (Bondholders) — HIGH
Fazit
The automation edge is real, but a lending business that rents its funding is hostage to credit markets — this remains a leveraged bet on a benign consumer cycle.
Recherche, keine Anlageberatung.