Upstart Holdings Inc
NASDAQ:UPST

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Upstart Holdings Inc
NASDAQ:UPST
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Price: 77.58 USD 0.81% Market Closed
Market Cap: 7.4B USD

Relative Value

The Relative Value of one UPST stock under the Base Case scenario is 65.82 USD. Compared to the current market price of 77.58 USD, Upstart Holdings Inc is Overvalued by 15%.

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
65.82 USD
Overvaluation 15%
Relative Value
Price
Worst Case
Base Case
Best Case

Valuation Multiples

vs History
29
vs Industry
20
Median 3Y
4.4
Median 5Y
6.2
Industry
3.3
Forward
7.2
vs History
vs Industry
Median 3Y
-11.4
Median 5Y
-9.1
Industry
15.8
Forward
51.4
vs History
31
vs Industry
11
Median 3Y
-3.6
Median 5Y
22.7
Industry
10.4
vs History
31
vs Industry
33
Median 3Y
7.2
Median 5Y
6.8
Industry
13
vs History
26
vs Industry
5
Median 3Y
3.9
Median 5Y
6.4
Industry
1.3
vs History
29
vs Industry
23
Median 3Y
5.6
Median 5Y
7.1
Industry
4.9
Forward
8
vs History
28
vs Industry
25
Median 3Y
8
Median 5Y
9.4
Industry
7.2
vs History
vs Industry
Median 3Y
-16.1
Median 5Y
-11.7
Industry
14.3
Forward
41.3
vs History
vs Industry
Median 3Y
-14.1
Median 5Y
-10.9
Industry
14.7
Forward
268.1
vs History
24
vs Industry
13
Median 3Y
-4.1
Median 5Y
25.6
Industry
12.5
vs History
19
vs Industry
12
Median 3Y
-6.3
Median 5Y
-3.2
Industry
13.4
vs History
33
vs Industry
11
Median 3Y
2.2
Median 5Y
3.2
Industry
1

Multiples Across Competitors

UPST Competitors Multiples
Upstart Holdings Inc Competitors

Market Cap P/S P/E EV/EBITDA EV/EBIT
US
Upstart Holdings Inc
NASDAQ:UPST
7.4B USD 10.2 -111 -148.5 -107.1
US
American Express Co
NYSE:AXP
221.1B USD 3 21.8 25.1 28.4
US
Capital One Financial Corp
NYSE:COF
139.6B USD 3.5 30.5 56 0
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
5.7T INR 8.3 34.5 28 28.9
US
Discover Financial Services
NYSE:DFS
50.4B USD 2.3 9.1 216.5 0
US
Synchrony Financial
NYSE:SYF
26.7B USD 1.4 9.3 90.9 0
US
SoFi Technologies Inc
NASDAQ:SOFI
24.4B USD 8.7 51.6 130.5 0
KZ
Kaspi.kz AO
NASDAQ:KSPI
16.5B USD 0 0 0 0
IN
Cholamandalam Investment and Finance Company Ltd
NSE:CHOLAFIN
1.3T INR 5.2 30.8 35.9 37.1
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
1.3T INR 3 13.1 20.4 21.3
US
Santander Consumer USA Holdings Inc
F:77S
11.3B EUR 1.7 4.2 8.6 12.3
EV/EBIT Multiple
EBIT Growth EV/EBIT to Growth
US
Upstart Holdings Inc
NASDAQ:UPST
Average EV/EBIT: 25.6
Negative Multiple: -107.1
N/A N/A
US
American Express Co
NYSE:AXP
28.4
23%
1.2
US
Capital One Financial Corp
NYSE:COF
Not Available N/A N/A
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
28.9
24%
1.2
US
Discover Financial Services
NYSE:DFS
Not Available N/A N/A
US
Synchrony Financial
NYSE:SYF
Not Available N/A N/A
US
SoFi Technologies Inc
NASDAQ:SOFI
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
37.1
29%
1.3
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
21.3
N/A N/A
US
S
Santander Consumer USA Holdings Inc
F:77S
12.3
N/A N/A