Upstart Holdings Inc
NASDAQ:UPST

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Upstart Holdings Inc
NASDAQ:UPST
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Price: 68.07 USD -5.5% Market Closed
Market Cap: 6.2B USD
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Relative Value

The Relative Value of one UPST stock under the Base Case scenario is 45.15 USD. Compared to the current market price of 68.07 USD, Upstart Holdings Inc is Overvalued by 34%.

Relative Value is the estimated value of a stock based on various valuation multiples like P/E and EV/EBIT ratios. It offers a quick snapshot of a stock's valuation in relation to its peers and historical norms.

UPST Relative Value
Base Case
45.15 USD
Overvaluation 34%
Relative Value
Price
Worst Case
Base Case
Best Case

Valuation Multiples

11.1
P/S
P/S
Price to Sales
11.1
vs History
30
vs Industry
33
Median 3Y
4.3
Median 5Y
5.2
Industry
3.1
Forward
10.1
More Details
Negative
P/E
P/E
Price to Earnings
N/A
vs History
vs Industry
Median 3Y
-9.6
Median 5Y
-2
Industry
15.3
Forward
-162.4
More Details
40.3
P/OCF
P/OCF
Price to OCF
40.3
vs History
30
vs Industry
Median 3Y
-7.4
Median 5Y
-3.8
Industry
10.2
More Details
34.7
P/FCFE
P/FCFE
Price to FCFE
34.7
vs History
6
vs Industry
Median 3Y
3.9
Median 5Y
-3.8
Industry
12.8
More Details
10.4
P/B
P/B
Price to Book Value
10.4
vs History
28
vs Industry
14
Median 3Y
3.9
Median 5Y
4.6
Industry
1.3
More Details
11.9
EV/S
EV/S
Enterprise Value to Sales
11.9
vs History
28
vs Industry
36
Median 3Y
5.4
Median 5Y
6.1
Industry
4.8
Forward
10.9
More Details
16.4
EV/GP
EV/GP
Enterprise Value to Gross Profit
16.4
vs History
26
vs Industry
36
Median 3Y
7.4
Median 5Y
8.1
Industry
7
More Details
Negative
EV/EBITDA
EV/EBITDA
Enterprise Value to EBITDA
N/A
vs History
vs Industry
Median 3Y
-14.2
Median 5Y
-4.5
Industry
14.1
Forward
-259.8
More Details
Negative
EV/EBIT
EV/EBIT
Enterprise Value to EBIT
N/A
vs History
vs Industry
Median 3Y
-13
Median 5Y
-4.1
Industry
14.7
Forward
-31.5
More Details
43.2
EV/OCF
EV/OCF
Enterprise Value to OCF
43.2
vs History
30
vs Industry
Median 3Y
-7.6
Median 5Y
-4.3
Industry
12.4
More Details
45.7
EV/FCFF
EV/FCFF
Enterprise Value to FCFF
45.7
vs History
30
vs Industry
Median 3Y
-7.1
Median 5Y
-4.1
Industry
13.4
More Details
5.2
EV/IC
EV/IC
Enterprise Value to IC
5.2
vs History
34
vs Industry
19
Median 3Y
2.2
Median 5Y
2.8
Industry
0.9
More Details

Multiples Across Competitors

UPST Competitors Multiples
Upstart Holdings Inc Competitors

All Multiples
P/S
P/E
EV/EBITDA
EV/EBIT
All Countries
All Countries
Close
Market Cap P/S P/E EV/EBITDA EV/EBIT
US
Upstart Holdings Inc
NASDAQ:UPST
6.2B USD 11.1 -36.8 -34.8 -30.8
US
American Express Co
NYSE:AXP
211.9B USD 3 21.7 25.5 29
US
Capital One Financial Corp
NYSE:COF
68.9B USD 1.8 17 36.1 0
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
4.3T INR 6.9 27.8 24.8 25.5
US
Discover Financial Services
NYSE:DFS
43.9B USD 2 11.5 162.3 0
US
Synchrony Financial
NYSE:SYF
25.7B USD 1.3 8.3 86.9 0
KZ
Kaspi.kz AO
NASDAQ:KSPI
18.4B USD 0 0 0 0
US
SoFi Technologies Inc
NASDAQ:SOFI
17.4B USD 6.8 93.9 100.4 0
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
1.1T INR 2.8 13.6 18.9 19.7
US
Santander Consumer USA Holdings Inc
F:77S
11.3B EUR 1.5 3.8 8.3 12
IN
Cholamandalam Investment and Finance Company Ltd
NSE:CHOLAFIN
1T INR 4.5 26 27.6 28.7
EV/EBIT Multiple
EBIT Growth EV/EBIT to Growth
US
Upstart Holdings Inc
NASDAQ:UPST
Average EV/EBIT: 23
Negative Multiple: -30.8 		N/A N/A
US
American Express Co
NYSE:AXP
29
24%
1.2
US
Capital One Financial Corp
NYSE:COF
Not Available N/A N/A
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
25.5
26%
1
US
Discover Financial Services
NYSE:DFS
Not Available N/A N/A
US
Synchrony Financial
NYSE:SYF
Not Available N/A N/A
KZ
K
Kaspi.kz AO
NASDAQ:KSPI
Not Available N/A N/A
US
SoFi Technologies Inc
NASDAQ:SOFI
Not Available N/A N/A
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
19.7
N/A N/A
US
S
Santander Consumer USA Holdings Inc
F:77S
12
N/A N/A
IN
Cholamandalam Investment and Finance Company Ltd
NSE:CHOLAFIN
28.7
37%
0.8

See Also

Summary
UPST intrinsic value, competitors valuation, and company profile.
DCF Valuation
UPST stock valuation using Discount Cash Flow valuation method.
Relative Valuation
UPST stock valuation using valuation multiples.
Wall Street Estimates
UPST price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
UPST stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
Discover More
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