Independent research on the U.S. markets, Baptista Research

Baptista Research

Independent research on the U.S. markets

Baptista Research is an independent financial research house focused on the U.S. markets. We provide equity research as well as credit research reports on the top-listed U.S. companies with most of our focus on technology, consumer goods and services, automobiles, industrials, oil and gas, pharma, and healthcare. Our research has served more than 3000 institutional investors including mutual funds, hedge funds, banks, family offices, and various buy-side firms. We operate a research subscription service where institutions, as well as retail investors, can have priority access to all our research. We also have a wide distribution of our research reports across some of the top global financial platforms. Apart from equity research and credit research, we also provide advisory services with respect to mergers & acquisitions (M&A), private equity/ venture capital fundraising, valuation reports, and investment management services for corporates.
Baptista Research is owned and managed by Ishan Majumdar, an ex-Venture Capitalist/ Investment Banker, a Chartered Accountant, and a Masters’ degree holder in Management from HEC Paris. Ishan has nearly a decade of experience in Mergers and Acquisitions, Leveraged Buyouts (LBOs), Venture Capital Investing, Corporate Strategy, and Valuation in front-office roles at the likes of BNP Paribas CIB, Credit Agricole CIB, Groupe Danone, and TIW Private Equity. He has worked on and closed multiple acquisition deals, leveraged buyouts, and start-up investment transactions.

Equity Bottom-Up

<ul><li>Upstart Holdings Inc. recently reported a strong financial performance for the fourth quarter and full-year 2024, marking significant progress in various aspects of its operations.</li><li>The company demonstrated a noteworthy increase in both origination volume and revenue, reflecting substantial growth compared to previous quarters and the prior year.</li><li>Originations grew by 33% sequentially, and revenue increased by 35% in the same period.</li></ul>

Upstart Holdings Inc. recently reported a strong financial performance for the fourth quarter and full-year 2024, marking significant progress in various aspects of its operations.The company demonstrated a noteworthy increase in both origination volume and revenue, reflecting substantial growth compared to previous quarters and the prior year.Originations grew by 33% sequentially, and revenue increased by 35% in the same period.

Upstart Holdings Inc.: Expansion into New Loan Products & Markets As A Crucial Factor In Stock Trajectory!

<ul><li>Upstart Holdings, Inc., a company at the forefront of fintech innovation using artificial intelligence, has reported its third quarter financial results for 2024.</li><li>The company showcased significant developments while balancing both growth potentials and present challenges.</li><li>Positively, Upstart demonstrated substantial growth momentum, with a reported 43% sequential growth in lending volume and a return to positive adjusted EBITDA, reaching this milestone a quarter ahead of schedule.</li></ul>

Upstart Holdings, Inc., a company at the forefront of fintech innovation using artificial intelligence, has reported its third quarter financial results for 2024.The company showcased significant developments while balancing both growth potentials and present challenges.Positively, Upstart demonstrated substantial growth momentum, with a reported 43% sequential growth in lending volume and a return to positive adjusted EBITDA, reaching this milestone a quarter ahead of schedule.

Upstart Holdings Inc. Breaks Barriers with High-Tech Automation for Explosive Efficiency Gains! - Major Drivers

Independent in-depth research from Finimize, Finimize

Finimize Research

Independent in-depth research from Finimize

Finimize

Finimize is the #1 information platform for modern investors. We empower people to become smarter investors with bitesize insights from world-class analysts. 1 million+ strong community, 250 partners.

Thematic (Sector/Industry)

<ul>
<li>The US economy’s resilience hasn’t come from the many – it’s come from the top 10% as the “wealth effect” from rising asset prices has boosted spending.</li>
<li>But it works in reverse too.  Since the richest make up nearly half of America’s consumer spending, that could lead to a serious economic fallout.</li>
<li>It’s worth considering protecting your portfolio. I’ve pulled together one list of companies that should do well and another that could suffer from the change in climate.</li>
</ul>


The US economy’s resilience hasn’t come from the many – it’s come from the top 10% as the “wealth effect” from rising asset prices has boosted spending.
But it works in reverse too.  Since the richest make up nearly half of America’s consumer spending, that could lead to a serious economic fallout.
It’s worth considering protecting your portfolio. I’ve pulled together one list of companies that should do well and another that could suffer from the change in climate.


A Defensive Portfolio Prepared For The Wealth Effect’s Reversal

Technical Analyst, Vermilion Research

Joe Jasper

Technical Analyst

Technical and Quantitative Research

Vermilion Research

Vermilion’s objective is to deliver timely, actionable, and unique technical research to professional investors through the application of our various technical indicators.

Our research strategists seek to highlight securities which we believe are at major inflection points, based on our various technical and quantitative indicators, and offer asymmetric risk/return profiles. Our unique research methodology, centered on relative strength, enables our strategists to deliver superior investment recommendations.

Our process begins by organizing the universe of actively traded stocks into discrete sectors, then into industry groups. We then apply our technical and quantitative tools to identify developing price trends. Once attractive trends are identified within a selected sector or group, we screen for individual stocks which we believe offer the best risk/reward profile. We provide a historical perspective that often reveals, through our long-term charts, how price patterns often repeat themselves over time.

Technical Analysis

<ul>
<li>Our outlook remains bullish following the S&amp;P 500's multi-month base breakout above 5670, alongside healthy market dynamics which have continued to improve.</li>
<li>Two weeks ago, our election day report (11/5/24) was titled "Buy the Pullback," and with the SPX/QQQ/IWM pulling back to their 20-day MAs, it's time to buy the pullback <em>again</em>.</li>
<li>We continue to expect significant upside into year-end and early 2025, and we expect support at the 20-day MAs on the aforementioned indexes (though support at 50-day MAs is possible).</li>
</ul>


Our outlook remains bullish following the S&amp;P 500's multi-month base breakout above 5670, alongside healthy market dynamics which have continued to improve.
Two weeks ago, our election day report (11/5/24) was titled "Buy the Pullback," and with the SPX/QQQ/IWM pulling back to their 20-day MAs, it's time to buy the pullback again.
We continue to expect significant upside into year-end and early 2025, and we expect support at the 20-day MAs on the aforementioned indexes (though support at 50-day MAs is possible).


Buy the Pullback Again; S&P 500, Nasdaq 100, Russell 2000 Testing Confluence of Support

<ul><li>Upstart's second quarter 2024 financial results reflect a period of transformation and recovery under challenging macroeconomic conditions.</li><li>The company, led by CEO Dave Girouard, expressed confidence in the progress Upstart has made in returning to sequential growth and EBITDA profitability, despite the continued absence of significant macroeconomic improvements.</li><li>This optimism is grounded in internal developments, particularly in artificial intelligence (AI) model enhancements, revived funding strategies, and augmented operational efficiency.</li></ul>

Upstart's second quarter 2024 financial results reflect a period of transformation and recovery under challenging macroeconomic conditions.The company, led by CEO Dave Girouard, expressed confidence in the progress Upstart has made in returning to sequential growth and EBITDA profitability, despite the continued absence of significant macroeconomic improvements.This optimism is grounded in internal developments, particularly in artificial intelligence (AI) model enhancements, revived funding strategies, and augmented operational efficiency.

Upstart Holdings Inc.: Leveraging Co-investment Partnerships To Drive AI Investments! - Major Drivers

United States

Upstart Holdings, Inc. operates as a holding company. The Company, through its subsidiaries, provides cloud-based artificial intelligence (AI) lending platform to improve access of credit while reducing the risk and costs of lending for bank partners.

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Upstart Holdings (UPST US)

Upstart Holdings Inc.: Expansion into New Loan Products & Markets As A Crucial Factor In Stock Trajectory!

Upstart Holdings Inc. recently reported a strong financial performance for the fourth quarter and full-year 2024, marking significant progress in...

Baptista Research

Upstart Holdings Inc. Breaks Barriers with High-Tech Automation for Explosive Efficiency Gains! - Major Drivers

Upstart Holdings, Inc., a company at the forefront of fintech innovation using artificial intelligence, has reported its third quarter financial...

Baptista Research

A Defensive Portfolio Prepared For The Wealth Effect’s Reversal

The top 10% account for around 50% of consumer spending in the US. This insight looks at the sectors and companies that could win and lose from the...

Finimize Research

Buy the Pullback Again; S&P 500, Nasdaq 100, Russell 2000 Testing Confluence of Support

Buy the Pullback Again, Same as Our Election Day Report; S&P 500 $SPX, Nasdaq 100 $QQQ, Russell 2000 $IWM Testing Confluence of Support at 20-day...

Vermilion Research

Upstart Holdings Inc.: Leveraging Co-investment Partnerships To Drive AI Investments! - Major Drivers

Upstart's second quarter 2024 financial results reflect a period of transformation and recovery under challenging macroeconomic conditions. The...

Baptista Research

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