Upstart Holdings Inc (UPST) has a current Price-to-Book (P/B) ratio of 6.00. Compared to its 3-year average P/B ratio of 5.86, the current P/B ratio is approximately 2.32% higher. Relative to its 5-year average P/B ratio of 9.15, the current P/B ratio is about -34.49% higher. Upstart Holdings Inc (UPST) has a Forward Free Cash Flow (FCF) yield of approximately -8.24%. Compared to its 3-year average FCF yield of -7.33%, the current FCF yield is approximately 12.34% lower. Relative to its 5-year average FCF yield of -8.01%, the current FCF yield is about 2.81% lower.

Competitors Valuation Multiple

AI Analysis

The average P/S ratio for UPST competitors is 2.43, providing a benchmark for relative valuation. Upstart Holdings Inc Corp (UPST.O) exhibits a P/S ratio of 3.70, which is 52.13% above the industry average. Given its robust revenue growth of 33.09%, this premium appears sustainable.

P/E

P/S

EV/EBITDA

EV/EBIT

Earnings Growth

Market Cap

Performance Decomposition

AI Analysis

Market capitalization of UPST increased by 0.00% over the past 1 year(s). The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.

The secondary factor is the Unknown, contributed 0.00% to the performance.

Overall, the performance of UPST in the past 1 year(s) is driven by Unknown.

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Frequently Asked Questions

Is UPST currently overvalued or undervalued?

What is Upstart Holdings Inc (UPST) fair value?

UPST's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. The fair price of Upstart Holdings Inc (UPST) is between 13.65 to 75.95 according to relative valuation method.

How does UPST's valuation metrics compare to the industry average?

The average P/S ratio for UPST's competitors is 2.43, providing a benchmark for relative valuation. Upstart Holdings Inc Corp (UPST) exhibits a P/S ratio of 3.70, which is 52.13% above the industry average. Given its robust revenue growth of 33.09%, this premium appears sustainable.

What is the current P/B ratio for Upstart Holdings Inc (UPST) as of Mar 03 2026?

As of Mar 03 2026, Upstart Holdings Inc (UPST) has a P/B ratio of 6.00. This indicates that the market values UPST at 6.00 times its book value.

What is the current FCF Yield for Upstart Holdings Inc (UPST) as of Mar 03 2026?

As of Mar 03 2026, Upstart Holdings Inc (UPST) has a FCF Yield of -8.24%. This means that for every dollar of Upstart Holdings Inc's market capitalization, the company generates -8.24 cents in free cash flow.

What is the current Forward P/E ratio for Upstart Holdings Inc (UPST) as of Mar 03 2026?

As of Mar 03 2026, Upstart Holdings Inc (UPST) has a Forward P/E ratio of 20.63. This means the market is willing to pay $20.63 for every dollar of Upstart Holdings Inc's expected earnings over the next 12 months.

What is the current Forward P/S ratio for Upstart Holdings Inc (UPST) as of Mar 03 2026?

As of Mar 03 2026, Upstart Holdings Inc (UPST) has a Forward P/S ratio of 3.70. This means the market is valuing UPST at $3.70 for every dollar of expected revenue over the next 12 months.

UPST Valuation