Valuation Upstart Holdings, Inc.

Stocks

Real-time Estimate Cboe BZX 13:49:29 2026-10-21 EDT			5-day change	1st Jan Change
23.91 ^USD	+1.10%		+5.08%	-45.36%

09-23	Commonwealth Credit Union And Upstart Expand Partnership Into HELOC And Indirect Auto Lending	CI
09-11	Upstart Holdings Insider Bought Shares Worth $1,277,500, According to a Recent SEC Filing	MT

Data adjusted to current consolidation scope

Fiscal Period: December	2021	2022	2023	2024	2025	2026	2027	2028
Market Cap ¹	12,400	1,082	3,475	5,617	4,254	2,301	-	-
Change	-	-91.27%	221.08%	61.62%	-24.26%	-45.9%	-	-
Enterprise Value (EV) ¹	12,109	1,646	4,147	6,043	5,026	3,763	3,574	3,179
Change	-	-86.4%	151.91%	45.7%	-16.82%	-25.14%	-5.01%	-11.06%
P/E	106x	-10.1x	-14.2x	-42.8x	97.2x	34.9x	12.6x	7.57x
PBR	15.7x	1.6x	5.39x	9.09x	5.37x	2.55x	1.94x	1.42x
PEG	-	0x	-0x	0.9x	-1x	0.7x	0x	0.1x
Capitalization / Revenue	14.6x	1.28x	6.77x	8.82x	4.08x	1.62x	1.24x	0.99x
EV / Revenue	14.3x	1.95x	8.08x	9.49x	4.82x	2.65x	1.92x	1.36x
EV / EBITDA	52.2x	44.3x	-241x	570x	21.8x	12.8x	7.91x	5.19x
EV / EBIT	86x	-14.5x	-16.2x	-35x	118x	55x	16.2x	9.64x
EV / FCF	79x	-2.36x	-25.6x	32.6x	-33.9x	-63.2x	19.2x	9.49x
FCF Yield	1.27%	-42.4%	-3.91%	3.07%	-2.95%	-1.58%	5.2%	10.5%
Dividend per Share ²	-	-	-	-	-	-	-	-
Rate of return	-	-	-	-	-	-	-	-
EPS ²	1.43	-1.31	-2.87	-1.44	0.45	0.6775	1.882	3.126
Distribution rate	-	-	-	-	-	-	-	-
Net sales ¹	848.6	842.4	513.6	636.5	1,044	1,418	1,859	2,335
EBITDA ¹	231.9	37.16	-17.22	10.59	230.5	292.9	452	613
EBIT ¹	140.9	-113.9	-256.5	-172.9	42.63	68.38	221.2	329.8
Net income ¹	135.4	-108.7	-240.1	-128.6	53.6	69.79	220.3	376.7
Net Debt ¹	-291.2	564	672	425.9	772.1	1,461	1,273	877.5
Reference price ²	151.30	13.22	40.86	61.57	43.73	23.65	23.65	23.65
Nbr of stocks (in thousands)	81,957	81,877	85,057	91,228	97,286	97,313	-	-
Announcement Date	2/15/22	2/14/23	2/13/24	2/11/25	2/10/26	-	-	-

¹USD in Million²USD

Estimates

Add to a list 0 selected To use this feature you must be a member Log in Sign up	P/E (Y)	EV / Sales (Y)	EV / EBITDA (Y)	Dividend Yield (Y)	Capi.($)
UPSTART HOLDINGS, INC.	34.91x	2.65x	12.85x	-.--%	2.3B
AMERICAN EXPRESS COMPANY	18.05x	-	-	1.19%	215B
CAPITAL ONE FINANCIAL CORPORATION	12.12x	2.43x	-	1.6%	124B
BAJAJ FINANCE LIMITED	23.09x	16.18x	-	0.76%	62.84B
ROCKET COMPANIES, INC.	37.21x	4.87x	17.61x	-.--%	31.86B
BAJAJ FINSERV LTD.	22.19x	4.92x	24.37x	0.09%	28.69B
SYNCHRONY FINANCIAL	7.71x	1.78x	3.29x	1.74%	23.87B
SHRIRAM FINANCE LIMITED	15.51x	11.22x	21.05x	1.28%	23.02B
SOFI TECHNOLOGIES, INC.	24.82x	3.22x	9.68x	-.--%	18.96B
Average	21.73x	5.91x	14.81x	0.74%	58.91B
Weighted average by Cap.	18.38x	6.29x	15.82x	1.09%