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Upstart Holdings SWOT and PESTLE Analysis

ID : 521716053| Jun 2023| 21 pages

COMPANY PROFILE -Upstart Holdings

Business Sector :Lending

Operating Geography :United States, North America, Global

About Upstart Holdings :

Upstart Holdings is an American financial technology (fintech) company that operates an AI-powered lending platform. Founded in 2012 by Dave Girouard, Paul Gu, and Anna Counselman with the aim of revolutionizing the traditional lending process by utilizing artificial intelligence and machine learning algorithms, the company is headquartered in San Mateo, California. The company primarily focuses on personal loans, student loan refinancing, and automotive loans. By leveraging its advanced technology, Upstart claims to offer faster loan approvals, lower interest rates, and a better overall borrower experience compared to traditional lenders. Since its inception, Upstart has experienced rapid growth and success. In December 2020, the company went public and began trading on the NASDAQ stock exchange under the ticker symbol "UPST." The IPO marked a significant milestone for Upstart and highlighted the increasing demand for fintech solutions in the lending industry. The company has 1875 employees as of 2023.

The USP of Upstart Holdings lies in it being a technology-driven lending platform that offers faster approvals, fairer lending practices, and increased access to credit for a broader range of borrowers. Upstart Holdings aims to disrupt the lending market by leveraging AI and machine learning to provide a faster, fairer, and more inclusive lending experience for consumers. With its innovative technology and strategic partnerships, Upstart continues to make strides in reshaping the lending landscape. Upstart’s mission is to enable effortless credit based on true risk.

Upstart Holdings Revenue :


US$ 842 million - FY ending 31st December 2022 (y-o-y decline 1%)
US$ 849 million - FY ending 31st December 2021

Competitive Analysis of Upstart Holdings

SWOT
PESTLE
The SWOT analysis for Upstart Holdings is presented below in a matrix followed by the detailed analysis report:
StrengthsWeaknesses
1. Stellar increase in revenue over the years
2. One of the first companies in the credit industry to apply AI
3. Benefit of flexible two-sided ecosystem

1. Business is entirely dependent on partner banks
2. Limited operating experience may lead to increased risks, uncertainties, expenses and difficulties
3. Concentration of total loans facilitated from mainly two banks, CRB and New Jersey-chartered community bank
4. Their AI models are yet to be put to test in a down-cycle economic condition
5. Huge debt on balance sheet.
OpportunitiesThreats
1. Expected double digit growth in the digital lending space
2. Upstart to add digital-powered applications to its Auto Retail platform

1. Laws regarding AI lending platforms are constantly evolving
2. Possible security breaches of borrowers’ confidential information
3. Counterparty risk with respect to the capped call transactions
4. Unrepairable damage caused by the COVID-19 pandemic
5. FDIC is watching Upstart’s top bank partner
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Detailed SWOT Analysis of Upstart Holdings

Strength

This section is available only in the 'Complete Report' on purchase.

Weakness

1. Business is entirely dependent on partner banks: 94% of the company's income in the fiscal year that ended on December 31, 2021, came from platform, referral, and servicing fees paid by their bank partners. Therefore, the number of loans facilitated through their platform could decline and the income and revenue growth rates could be negatively impacted if any of the bank partners were to suspend, limit, or cease their operations or otherwise terminate their affiliations with Upstart. Additionally, the onboarding and sales processes with new bank partners can be long and unpredictable. Their operational performance may suffer if Upstart is unable to onboard bank partners in a timely manner or if the bank partners refuse to cooperate with them to finish the onboarding process in a timely manner. The remaining section under "Weakness" is available only in the 'Complete Report' on purchase.

Opportunity

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Threat

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Major Competitors :

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References used in Upstart Holdings SWOT & PESTLE Analysis Report

1. Annual Report 2022- https://ir.upstart.com/static-files/d1cc24b2-2ad6-4236-896e-df50359dfa5e
2. About Us - https://ir.upstart.com/news-releases/news-release-details/upstart-announces-fourth-quarter-2020-and-fiscal-year-2020
3. U.S. Bond Market - https://in.investing.com/analysis/us-bond-market-after-strong-rally-in-july-uncertainty-lies-ahead-200532581
4. Corporate defaults may rise again on cost pressures: Crisil report - https://www.business-standard.com/article/companies/corporate-defaults-may-rise-again-on-cost-pressures-crisil-report-122070501207_1.html
The detailed complete set of references are available on request in the 'Complete report' on purchase.

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In-text: (SWOT & PESTLE.com, 2024)

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Upstart Holdings SWOT and PESTLE analysis has been conducted by Uttiya Majumder and reviewed by senior analysts from Barakaat Consulting.

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