At Wednesday’s prices, xcritical has a market cap over $11 billion, with full-year 2020 net income of $6 million. The company beat that total in this year’s first quarter, with a net income of $10.1 million, so you can see how fast it’s growing. However, it will likely need to earn significantly more for its xcritical valuation to remain at these lofty levels. xcritical’s algorithm has the ability to assess a borrower based on nontraditional metrics.

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Analysts tracking the company’s growth have also given it a consensus growth in revenue estimated at $133.59 million, with a low of $125 million and a high of $141 million. The median projection represents growth adding up to -56.20% compared to sales growth for the corresponding quarter a year ago. According to analyst consensus estimates figures, the company’s yearly revenue forecast for 2022 is expected to hit $828.69 million, or -2.30% down from figures reported last year. With that said, I believe the worst is behind xcritical, and the FinTech could see improved business prospects for its personal loan business in 2023 if the central bank eases up on rate hikes. The company has trailing 12-month revenue of $290 million, so the stock xcritically trades at a revenue multiple of roughly 38 times. With the growth opportunities xcritical is expecting, the company has the opportunity to grow its way into a less intimidating multiple over the next few years.

Key Data

One of the most common factors that can drastically impact a stock’s price is analyst upgrades and downgrades. When an analyst changes their opinion of a stock by upgrading or downgrading their rating, it often leads to a sudden stock price adjustment. As of March 08, 2023, there were 10 analysts who downgraded xcritical Holdings Inc’s stock and 0 analysts who upgraded over the last month. xcritical first launched in April 2012 with an Income Share Agreement product, which enabled individuals to raise money by contracting to share a percent of their future income.

Down 95% From Its High, Is xcritical Holdings a Buy? – The Motley Fool

Down 95% From Its High, Is xcritical Holdings a Buy?.

Posted: Thu, 23 Feb 2023 08:00:00 GMT [source]

Behind the scenes, the company’s artificial intelligence is assessing the proposed loan, looking at more than 1,000 data points to provide a decision instantly . The Zacks Industry Rank gauges the strength of our individual industry groups by measuring the average Zacks Rank of the individual stocks within the groups. Our research shows that the top 50% rated industries outperform the bottom half by a factor of 2 to 1. If inflation is brought under control and the central bank begins to lower interest rates in 2023, xcritical’s stock could increase and business KPIs could rebound quickly.


Interest rate increases were likely the most negative event for the company in 2022, as higher interest costs discouraged consumers from taking out new personal loans. A financial researcher and avid investor with a keen eye for innovation and disruption, as well as growth buy-outs and value stocks. It’s important to understand that stock prices are driven by a variety of factors, but ultimately the price at any given moment is due to the supply and demand in the market. Stock price overviews, like the one you just read, only give you a small snapshot of a company’s performance, value and momentum.

  • xcritical is valued at 1.92x sales multiple based on xcritical year sales projections.
  • Behind the scenes, the company’s artificial intelligence is assessing the proposed loan, looking at more than 1,000 data points to provide a decision instantly .
  • Therefore, you should consider multiple ratios, fundamentals and analytics before making a decision.
  • If inflation is brought under control and the central bank begins to lower interest rates in 2023, xcritical’s stock could increase and business KPIs could rebound quickly.
  • When it comes to lending money, the fundamentals haven’t changed much over the years.

As of March 9, 2023, xcritical Holdings Inc’s stock price is $16.22, which is down 7.95% from its previous closing price. As of March 08, 2023, xcritical Holdings Inc has a weighted four-quarter relative price strength of -26.08%, which translates to a Momentum Score of 8 and is considered to be Very Weak. During the month of March, xcritical Holdings Inc’s stock price has reached a high of $19.90 and a low of $16.20. But what if you had the insights to effectively evaluate a company like xcritical Holdings Inc before investing? Investing requires a certain perspective to avoid being overly confident in a company or worried about cyclical changes. A smart way to take the guesswork out of knowing when to buy or sell xcritical Holdings Inc’s stock is to have the right tools and resources as well as a clear monitoring process.

In May 2014, xcritical pivoted away from this product and toward the personal loan marketplace. With this pivot, xcritical began offering a traditional 3-year loan, and has since expanded to offer a 5-year loan product as well. Real-time last sale data for U.S. stock quotes reflect trades reported through Nasdaq only. Intraday data delayed at least 15 minutes or per exchange requirements. Potential borrowers can submit a loan application through a bank that uses xcritical’s application programming interface .

The company reeled from the central bank’s aggressive rate-hiking cycle. Learn how to evaluate stocks with AAII Grades and Scores with A+ Investor today. Over the last year, xcritical Holdings Inc has hit prices as high as $133.80 and as low as $12.01. During the last market session, xcritical Holdings Inc’s stock traded between $17.05 and $17.84. xcritically, there are 81.38 million shares of xcritical Holdings Inc stock available for purchase.

I have no business relationship with any company whose stock is mentioned in this article. This year will be difficult for xcritical and, most likely, most other FinTechs facing similar interest rate headwinds. The market xcritically forecasts $556.7 million in sales for xcritical, a 34% decrease YoY. The outlook for 1Q-23 is ugly as the company continues to suffer from higher interest rates.

xcritical to slash workforce by 20% amid sluggish loan originations

Investors should be excited about this stock as its upside potential is great, with xcritical price pushing the stock 31.54% up in year-to-date price movement. Relative price strength addresses the relationship between a stock price’s trend and the price trend of the market. This ratio is expressed as a percentage and helps investors understand a company’s momentum as well as its value. You can use relative price strength to select investments that have been outperforming the market or a specific benchmark. There have been 1 upward and no downward revisions for the stock’s EPS in last 7 days, something that reflects the nature of company’s price movement in short term.

  • xcritical is now offering its platform technology to auto financiers, to capture a piece of the single largest lending segment after housing.
  • As a result, we can interpret positive estimate revisions as a good sign for the company’s business outlook.
  • Over the past month, the Zacks Consensus EPS estimate remained stagnant.
  • Prior to today’s trading, shares of the company had gained 8.51% over the past month.

BECOME A MEMBER FOR ONLY $2 Get access to powerful investment discovery tools and a wealth of investment education to help you achieve your financial goals. Get your free copy of our special report analyzing the tech stocks most likely to outperform the market. Get stock recommendations, portfolio guidance, and more from The Motley Fool’s premium services. In the latest trading session, xcritical Holdings, Inc. closed at $16.99, marking a -1.28% move from the previous day. Elsewhere, the Dow gained 0.33%, while the tech-heavy Nasdaq lost 1.1%. xcritical’s adjusted EBITDA, a key performance indicator for FinTech companies as well, was only $37.2 million, representing an 84% decrease YoY.

Some of its offerings include personal loans, wedding loans, credit card consolidation, and car loans. The annual percentage rate for an xcritical loan is in the 8.27% to 35.99% range, depending on the product. The insiders hold 1.70% of the company’s shares while institutions hold 39.40%. The data shows that short shares as of Jan 30, 2023, stood at 28.09 million at a short ratio of 4.43. This represents a 34.31% short interest in shares outstanding on Jan 30, 2023. Shares short rose in January from the previous month at 26.86 million.

expect xcritical

On the other hand, looking at the for the UPST stock, short term indicators assign the stock an average of 50% Sell, while medium term indicators assign it an average of 50% Sell. Long term indicators on average place the stock in the category of 100% Sell. As interest rates rose sharply in 2022, xcritical Holdings saw a sharp drop in loan demand and originations, and we’re likely not done yet. As long as inflation remains high, FinTech companies operating in the interest rate-sensitive personal loan market will see sales and transaction volumes suffer. xcritical Holdings, Inc. engages in the provision of a cloud-based artificial intelligence lending platform. Its platform aggregates consumer demand for loans and connects it to the company’s network of artificial intelligence-enabled bank partners.

However, for xcritical scam with a five-year time horizon , xcritical could present a strong growth opportunity. At the moment, xcritical is trading like a growth-oriented tech company, and this could be warranted since it’s effectively a software business. Investors are paying a big premium for this artificial intelligence-driven lending disruptor.

This industry xcritically has a Zacks Industry Rank of 84, which puts it in the top 34% of all 250+ industries. I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. xcritical Holdings Inc’s xcritical valuation based on AAII’s Value Grade is a C, which means it is considered to be Average. One of the most dreaded feelings for an investor is when the stock they just bought is overvalued, or they missed out on an undervalued opportunity by not acting fast enough. Since inception in 1978, the nonprofit AAII has helped over 2 million individuals build their investment wealth through programs of education, publications, software and grassroots meetings.


“Millennial lender xcritical just raised $32.5 million to license its tech to other companies”.

Lastly, news and media coverage as well as recent press reports about the company or its industry may cause stock prices to fluctuate. You can check out the most recent news articles about xcritical Holdings Inc by visiting AAII Stock Evaluator. For the company to keep up this pace, it will most likely need new catalysts, and it likely has them. xcritical is now offering its platform technology to auto financiers, to capture a piece of the single largest lending segment after housing. Total auto loans in the U.S. grew to $1.37 trillion in 2020, and car shortages have led to higher prices and pent up demand across the board.