Visa Inc. (V:NYE) Analysts adjust targets on earnings,

Citigroup cut their target forecast to $238 from $254, and reiterated the Buy rating on the credit card giant’s stock.

Visa Analysts stock price target:

According to 25 analysts’ predictions for Visa, the average analyst target price for the stock for the next 12 months is USD 251.32. The consensus analyst recommendation for Visa is Strong Buy. Visa Inc. Class A’s stock analysis by Stock Target Advisor is Slightly Bullish and is based on 9 positive and 5 negative signals. The stock price of Visa Inc. Class A was US$194.38 at the most recent closing. The stock price of Visa Inc. Class A has fluctuated by +3.85% over the previous week, +5.66% over the previous month, and -16.89% over the previous year.

Visa just reported it’s quarterly results, and beat the forecasted estimates, and boosted the dividend to .45 cents per share. Analysts have responded to the earnings result and have made the following adjustments to their analysis recommendations:

Morgan Stanley in a research report increased the target on Visa to $284 from $282, and maintained the Overweight rating on the stock.

Oppenheimer Holdings maintained their Outperform rating on the stock, and reduced their 12 month target to $210 from $216.

Robert W. Baird boosted the target tp $250 from $240, without an updated rating recommendation.

Credit Suisse kept their Outperform rating recommendation, an raised the target to $245 from $235 per share.

Citigroup cut their target forecast to $238 from $254, and reiterated the Buy rating on the credit card giant’s stock.

 

Is Visa a Buy, Hold or Sell after Earnings?

The company just reported earnings, and did exceed  analyst forecasts, and raised their dividends, all positive events for the stock.  The stock has recently come off it’s recent low at $175, and is rebounding higher.  However,  if the macro economic picture worsens, then that will deepen the correction on the indexes,  and take down Visa’s stock, as concerns over consumer spending ability will come into question and weigh in on top line revenue results.  The upside for the stock, it is likely capped at $215 per share. but it’s quite likely that the stock will gradually trend lower after it’s earnings bump.  As a result, Visa’s stock, like most just now, should be considered as a Hold, for the time being until positive economic news becomes apparent and rate hikes cease.

Visa’s stock is rated with a fundamental score of 6.4 out of 10, where 0 is very bad and 10 is very  good.

ECN Capital Corp(ECN:TSX) STA Research lowers the target price to $5

ECN Capital Corp Stock Analysis:

STA Research maintains ECN Capital Corp with a Hold rating and lowers the target price to $5 from $6 on the company’s stock.

Based on the ECN Capital Corp stock forecasts from 8 analysts, the average analyst target price for ECN Capital Corp is CAD 7.72 over the next 12 months. ECN Capital Corp’s average analyst rating is Strong Buy. Stock Target Advisor’s own stock analysis of ECN Capital Corp is Slightly Bearish, which is based on 6 positive signals and 8 negative signals. At the last closing, ECN Capital Corp’s stock price was CAD 4.20ECN Capital Corp’s stock price has changed by -7.89% over the past week, -17.16% over the past month and -60.93% over the last year.

About ECN Capital Corp (ECN:CA:TSX)

ECN Capital Corp. originates, manages, and advises on prime consumer credit portfolios in North America. It operates through Secured Consumer Loans – Triad Financial Services and Source One; and Consumer Credit Card and Related Unsecured Consumer Loans – KG segments. The company provides secured consumer loan portfolios, including manufactured home, marine, and recreational vehicle loans; and consumer credit card portfolios that are focused on co-branded credit cards and related financial products. It serves banks, credit unions, life insurance companies, and pension and investment funds. The company was incorporated in 2016 and is headquartered in Toronto, Canada.

What we like:

Superior risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

Superior total returns

The stock has outperformed its sector peers on average annual total returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile.

High dividend returns

The stock has outperformed its sector peers on average annual dividend returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile. This can be a good buy, especially if it is outperforming on total return basis , for investors seeking high income yields.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Positive free cash flow

The company had positive total free cash flow in the most recent four quarters.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

What we don’t like:

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor capital utilization

The company management has delivered below median return on invested capital in the most recent 4 quarters compared to its peers.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Overpriced on free cash flow basis

The stock is trading high compared to its peers on a price to free cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector.

Analysts rate Upstart Holdings (UPST:NSD) with $28 UPST stock price target

Based on the UPST Stock Forecast from 12 analysts, the average analyst UPST stock price target is USD 28.34 over the next 12 months. Upstart Holdings Inc’s average analyst rating is Under-perform. Stock Target Advisor’s own stock analysis of Upstart Holdings Inc is Bearish, which is based on 3 positive signals and 10 negative signals. At the last closing, Upstart Holdings Inc’s stock price was USD 23.31Upstart Holdings Inc’s stock price has changed by +0.79% over the past week, -4.22% over the past month and -93.00% over the last year.

 

About Upstart Holdings Inc. (UPST:NSD):

Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform aggregates consumer demand for loans and connects it to its network of the company’s AI-enabled bank partners. The company was founded in 2012 and is headquartered in San Mateo, California.

 

What we like:

High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Positive cash flow

UPST stock forecast shows that the company had positive total cash flow in the most recent four quarters.

High Gross Profit to Asset Ratio

UPST stock price is in the top quartile compared to its peers on Gross Profit to Asset Ratio. This is a popular measure among value investors for showing superior returns in the long run.

 

What we don’t like:

Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

High volatility

UPST stock forecast shows that the total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Below median dividend returns

UPST stock forecast shows that the company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Overpriced compared to earnings

UPST stock price is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced compared to book value

UPST stock price is trading high compared to its peers median on a price to book value basis.

Overpriced on cashflow basis

UPST stock price is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor capital utilization

The company management has delivered below median return on invested capital in the most recent 4 quarters compared to its peers.

Low Earnings Growth

UPST stock price has shown below median earnings growth in the previous 5 years compared to its sector.

Low Revenue Growth

UPST stock price has shown below median revenue growth in the previous 5 years compared to its sector.

STA Research lowers the target on ECN Capital Corp.(ECN:TSX) to $6

Analysts rate ECN Capital Corp. with a consensus Strong Buy rating and a 12-month average target price of $7.82 per share.

STA Research maintains ECN Capital Corporation with a hold rating and lowers the target price to $6 from $7 on the company’s stock.

Based on the ECN Capital stock forecast from 8 analysts, the average analyst target price for ECN Capital Corp is CAD 7.82 over the next 12 months. ECN Capital Corp’s average analyst rating is Strong Buy. Stock Target Advisor’s own stock analysis of ECN Capital Corp is Neutral, which is based on 7 positive signals and 8 negative signals. At the last closing, ECN Capital Corp’s stock price was CAD 5.19ECN Capital Corp’s stock price has changed by +0.97% over the past week, -24.01% over the past month and -52.17% over the last year.

About ECN Capital Corp (ECN:CA:TSX)

ECN Capital Corp. originates, manages, and advises on prime consumer credit portfolios in North America. It operates through Secured Consumer Loans – Triad Financial Services and Source One; and Consumer Credit Card and Related Unsecured Consumer Loans – KG segments. The company provides secured consumer loan portfolios, including manufactured home, marine, and recreational vehicle loans; and consumer credit card portfolios that are focused on co-branded credit cards and related financial products. It serves banks, credit unions, life insurance companies, and pension and investment funds. The company was incorporated in 2016 and is headquartered in Toronto, Canada

What we like:

High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Superior risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

Superior total returns

The stock has outperformed its sector peers on average annual total returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile.

High dividend returns

The stock has outperformed its sector peers on average annual dividend returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile. This can be a good buy, especially if it is outperforming on total return basis , for investors seeking high income yields.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Positive free cash flow

The company had positive total free cash flow in the most recent four quarters.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

What we don’t like:

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor capital utilization

The company management has delivered below median return on invested capital in the most recent 4 quarters compared to its peers.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Overpriced on free cash flow basis

The stock is trading high compared to its peers on a price to free cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector.

Analysts rate SoFi Technologies Inc. (SOFI:NSD) with a Buy rating and a $10.38 target

Morgan Stanley maintains SoFi Technologies as Equal-weight, targets up from $7 to $7.5

Based on the SoFi stock forecast from 12 analysts, the average analyst target price for SoFi Technologies Inc. is USD 10.38 over the next 12 months. SoFi Technologies Inc.’s average analyst rating is Buy. Stock Target Advisor’s own stock analysis of SoFi Technologies Inc. is Neutral, which is based on 0 positive signals and 0 negative signals. At the last closing, SoFi Technologies Inc.’s stock price was USD 6.19. SoFi Technologies Inc.’s stock price has changed by +0.34% over the past week, -1.79% over the past month and -60.55% over the last year.

About SoFi Technologies Inc. (SOFI:NSD)

Digital banking services are provided by SoFi Technologies, Inc. The three segments that make up its business are lending, technology platforms, and financial services. Members of the firm are able to borrow, save, spend, invest, and protect their money thanks to the company’s lending and financial services and products. It provides mortgage loans, personal loans for debt relief and home repair, and school loans. Additionally, the business offers technological, investment, and cash management services. It also runs Technisys, a cloud-based digital multi-product core banking platform, as well as Galileo, a technology platform that provides services to financial and non-financial organizations. Apex is a technology enabled platform that offers investment custody and clearing brokerage services. The business was established in 2011 and has its main office in San Francisco, California.

 

Most Recent Analyst Ratings for SOFI: