Financial - Credit Services · NASDAQ
Current Price
$30.48
Intrinsic Value
Use the calculator below to estimate
Run a PE ratio stock valuation on Upstart Holdings, Inc. with auto-filled earnings data, adjustable target PE, and instant fair value estimate.
Open PE Calculator for UPSTUpstart 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.
Earnings Yield
1.80%
ROE (TTM)
7.3%
Based on trailing twelve-month data, UPST has earnings per share of N/A and trades at a PE ratio of N/A. These are key inputs for stock valuation using the PE ratio method.
The trailing twelve-month PE ratio of UPST reflects how much investors pay per dollar of Upstart Holdings, Inc.'s earnings. This metric is most useful when compared to Financial - Credit Services peers and the company's own historical range.
Whether UPST is overvalued depends on comparing its PE ratio to Financial - Credit Services peers, historical averages, and growth expectations. A PE above the sector average may indicate overvaluation, but high-growth companies often command premium multiples. Consider pairing PE analysis with a DCF model for a more complete picture.
To value Upstart Holdings, Inc. using PE: (1) Compare the current PE against the Financial - Credit Services median to assess relative pricing, (2) check the PEG ratio to adjust for growth expectations, (3) review the 5-year PE range to identify where the stock sits historically, and (4) estimate fair value by multiplying a target PE by forward EPS estimates. This relative approach complements DCF's absolute valuation.
The PEG ratio divides the PE ratio by the expected earnings growth rate, providing a growth-adjusted valuation metric. A PEG below 1.0 may indicate undervaluation relative to growth, while above 2.0 may suggest overvaluation. PEG is most reliable for companies with stable, predictable earnings growth.
PE ratio gives a quick relative read — how UPST is priced versus Financial - Credit Services peers. DCF provides an absolute value based on projected free cash flows. For the most reliable valuation, use PE as a quick comparability screen and DCF for a deeper fundamental analysis. Each method has blind spots: PE ignores capital structure and cash flow quality, while DCF is sensitive to growth and discount rate assumptions.
