UPST Relative Valuation
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. If the market price exceeds this fair value range, UPST is overvalued; if below, it's undervalued.
Historical Valuation
Upstart Holdings Inc (UPST) is now in the Fair zone, suggesting that its current forward PS ratio of 3.77 is considered Fairly compared with the five-year average of -182.32. The fair price of Upstart Holdings Inc (UPST) is between 21.74 to 121.32 according to relative valuation methord.
Relative Value
Fair Zone
21.74-121.32
Current Price：46.75
Fair
21.03
PE
1Y
3Y
5Y
Trailing
Forward
20.04
EV/EBITDA
Upstart Holdings Inc. (UPST) has a current EV/EBITDA of 20.04. The 5-year average EV/EBITDA is 93.14. The thresholds are as follows: Strongly Undervalued below -299.91, Undervalued between -299.91 and -103.38, Fairly Valued between 289.66 and -103.38, Overvalued between 289.66 and 486.19, and Strongly Overvalued above 486.19. The current Forward EV/EBITDA of 20.04 falls within the Historic Trend Line -Fairly Valued range.
56.58
EV/EBIT
Upstart Holdings Inc. (UPST) has a current EV/EBIT of 56.58. The 5-year average EV/EBIT is -60.71. The thresholds are as follows: Strongly Undervalued below -816.17, Undervalued between -816.17 and -438.44, Fairly Valued between 317.02 and -438.44, Overvalued between 317.02 and 694.76, and Strongly Overvalued above 694.76. The current Forward EV/EBIT of 56.58 falls within the Historic Trend Line -Fairly Valued range.
3.77
PS
Upstart Holdings Inc. (UPST) has a current PS of 3.77. The 5-year average PS is 6.64. The thresholds are as follows: Strongly Undervalued below -3.40, Undervalued between -3.40 and 1.62, Fairly Valued between 11.66 and 1.62, Overvalued between 11.66 and 16.69, and Strongly Overvalued above 16.69. The current Forward PS of 3.77 falls within the Historic Trend Line -Fairly Valued range.
35.81
P/OCF
Upstart Holdings Inc. (UPST) has a current P/OCF of 35.81. The 5-year average P/OCF is 65.27. The thresholds are as follows: Strongly Undervalued below -176.29, Undervalued between -176.29 and -55.51, Fairly Valued between 186.06 and -55.51, Overvalued between 186.06 and 306.84, and Strongly Overvalued above 306.84. The current Forward P/OCF of 35.81 falls within the Historic Trend Line -Fairly Valued range.
37.67
P/FCF
Upstart Holdings Inc. (UPST) has a current P/FCF of 37.67. The 5-year average P/FCF is -21.70. The thresholds are as follows: Strongly Undervalued below -344.41, Undervalued between -344.41 and -183.05, Fairly Valued between 139.66 and -183.05, Overvalued between 139.66 and 301.02, and Strongly Overvalued above 301.02. The current Forward P/FCF of 37.67 falls within the Historic Trend Line -Fairly Valued range.
Upstart Holdings Inc (UPST) has a current Price-to-Book (P/B) ratio of 6.11. Compared to its 3-year average P/B ratio of 5.56 , the current P/B ratio is approximately 9.93% higher. Relative to its 5-year average P/B ratio of 9.26, the current P/B ratio is about -33.98% higher. Upstart Holdings Inc (UPST) has a Forward Free Cash Flow (FCF) yield of approximately -8.08%. Compared to its 3-year average FCF yield of -10.19%, the current FCF yield is approximately -20.72% lower. Relative to its 5-year average FCF yield of -7.69% , the current FCF yield is about 4.99% lower.
6.11
P/B
Median3y
5.56
Median5y
9.26
-8.08
FCF Yield
Median3y
-10.19
Median5y
-7.69
Competitors Valuation Multiple
The average P/S ratio for UPST's competitors is 2.00, providing a benchmark for relative valuation. Upstart Holdings Inc Corp (UPST) exhibits a P/S ratio of 3.77, which is 88.99% above the industry average. Given its robust revenue growth of 65.35%, this premium appears sustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
Performance Decomposition
1Y
3Y
5Y
Market capitalization of UPST decreased by 24.07% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 46.09 to 182.25.
The secondary factor is the Revenue Growth, contributed 65.35%to the performance.
Overall, the performance of UPST in the past 1 year is driven by P/E Change. Which is more unsustainable.
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