Upstart Holdings Inc
NASDAQ:UPST

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Upstart Holdings Inc
NASDAQ:UPST
Watchlist
Price: 50.08 USD 5.01% Market Closed
Market Cap: 4.8B USD
Section:
Relative Value
Relative Value
Valuation Multiples
Multiples Across Competitors
See Also

Relative Value

The Relative Value of one UPST stock under the Base Case scenario is 60.56 USD. Compared to the current market price of 50.08 USD, Upstart Holdings Inc is Undervalued by 17%.

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
60.56 USD
Undervaluation 17%
Relative Value
Price
Worst Case
Base Case
Best Case

Valuation Multiples

7.4
P/S
P/S
Price to Sales
7.4
vs History
40
vs Industry
20
Median 3Y
4.3
Median 5Y
6.4
Industry
3
Forward
4.6
More Details
Negative
P/E
P/E
Price to Earnings
N/A
vs History
vs Industry
Median 3Y
-11.2
Median 5Y
-8.3
Industry
14.4
Forward
34.7
More Details
25.1
P/OCF
P/OCF
Price to OCF
25.1
vs History
36
vs Industry
11
Median 3Y
-7.4
Median 5Y
-2.4
Industry
9.6
More Details
6.7
P/FCFE
P/FCFE
Price to FCFE
6.7
vs History
43
vs Industry
33
Median 3Y
6.4
Median 5Y
4.9
Industry
12.1
More Details
7.4
P/B
P/B
Price to Book Value
7.4
vs History
41
vs Industry
5
Median 3Y
3.9
Median 5Y
5.8
Industry
1.2
More Details
8.3
EV/S
EV/S
Enterprise Value to Sales
8.3
vs History
43
vs Industry
23
Median 3Y
5.4
Median 5Y
7
Industry
4.7
Forward
5.2
More Details
11.1
EV/GP
EV/GP
Enterprise Value to Gross Profit
11.1
vs History
43
vs Industry
25
Median 3Y
7.4
Median 5Y
9.6
Industry
6.9
More Details
Negative
EV/EBITDA
EV/EBITDA
Enterprise Value to EBITDA
N/A
vs History
vs Industry
Median 3Y
-16.2
Median 5Y
-12.6
Industry
13.6
Forward
30.3
More Details
Negative
EV/EBIT
EV/EBIT
Enterprise Value to EBIT
N/A
vs History
vs Industry
Median 3Y
-14.4
Median 5Y
-11.5
Industry
13.9
Forward
1 324
More Details
28.4
EV/OCF
EV/OCF
Enterprise Value to OCF
28.4
vs History
36
vs Industry
13
Median 3Y
-7.6
Median 5Y
-3.5
Industry
11.8
More Details
30
EV/FCFF
EV/FCFF
Enterprise Value to FCFF
30
vs History
36
vs Industry
12
Median 3Y
-7.1
Median 5Y
-3.3
Industry
13
More Details
3.5
EV/IC
EV/IC
Enterprise Value to IC
3.5
vs History
43
vs Industry
11
Median 3Y
2.2
Median 5Y
3.2
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
Market Cap P/S P/E EV/EBITDA EV/EBIT
US
Upstart Holdings Inc
NASDAQ:UPST
4.7B USD 7.4 -36.4 -34.8 -30.6
US
American Express Co
NYSE:AXP
194.1B USD 2.7 19.1 23.2 26.3
US
Capital One Financial Corp
NYSE:COF
71.9B USD 1.8 15.7 35.1 0
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
5.5T INR 8.4 34.3 27.6 28.4
US
Discover Financial Services
NYSE:DFS
48B USD 2.2 8.7 208.3 0
US
Synchrony Financial
NYSE:SYF
20.6B USD 1.1 7.2 78.2 0
KZ
Kaspi.kz AO
NASDAQ:KSPI
17.2B USD 0 0 0 0
IN
Cholamandalam Investment and Finance Company Ltd
NSE:CHOLAFIN
1.3T INR 4.9 29.3 35.1 36.2
US
SoFi Technologies Inc
NASDAQ:SOFI
13.9B USD 5.2 29 83.6 0
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
1.1T INR 2.7 11.9 19.7 20.5
US
Santander Consumer USA Holdings Inc
F:77S
11.3B EUR 1.6 4.1 8.5 12.2
EV/EBIT Multiple
EBIT Growth EV/EBIT to Growth
US
Upstart Holdings Inc
NASDAQ:UPST
Average EV/EBIT: 24.7
Negative Multiple: -30.6 		N/A N/A
US
American Express Co
NYSE:AXP
26.3
23%
1.1
US
Capital One Financial Corp
NYSE:COF
Not Available N/A N/A
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
28.4
26%
1.1
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
IN
Cholamandalam Investment and Finance Company Ltd
NSE:CHOLAFIN
36.2
25%
1.4
US
SoFi Technologies Inc
NASDAQ:SOFI
Not Available N/A N/A
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
20.5
20%
1
US
S
Santander Consumer USA Holdings Inc
F:77S
12.2
N/A N/A

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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