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Upstart Holdings Inc
NASDAQ:UPST

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Upstart Holdings Inc Logo
Upstart Holdings Inc
NASDAQ:UPST
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Price: 23.71 USD 0.85%
Updated: May 3, 2024

Relative Value

The Relative Value of one UPST stock under the Base Case scenario is 45.17 USD. Compared to the current market price of 23.71 USD, Upstart Holdings Inc is Undervalued by 48%.

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
45.17 USD
Undervaluation 48%
Relative Value
Price
Worst Case
Base Case
Best Case

Valuation Multiples

vs History
60
vs Industry
38
Median 3Y
4.6
Median 5Y
4.9
Industry
3.1
Forward
3.5
vs History
vs Industry
Median 3Y
23.5
Median 5Y
24.6
Industry
14.5
Forward
-30.2
vs History
vs Industry
Median 3Y
-4.2
Median 5Y
-3.9
Industry
10.3
vs History
vs Industry
Median 3Y
-8.6
Median 5Y
-11.7
Industry
13
vs History
69
vs Industry
16
Median 3Y
4.3
Median 5Y
4.4
Industry
1.2
vs History
58
vs Industry
40
Median 3Y
5.8
Median 5Y
5.8
Industry
4.8
Forward
4.6
vs History
58
vs Industry
41
Median 3Y
8
Median 5Y
8.1
Industry
7.2
vs History
vs Industry
Median 3Y
21.8
Median 5Y
27.4
Industry
13.9
Forward
-69.3
vs History
vs Industry
Median 3Y
24.4
Median 5Y
30.6
Industry
14.2
Forward
-14
vs History
vs Industry
Median 3Y
-4.7
Median 5Y
-4.5
Industry
12.2
vs History
vs Industry
Median 3Y
-4.5
Median 5Y
-4.2
Industry
12.9
vs History
79
vs Industry
21
Median 3Y
2.6
Median 5Y
2.7
Industry
0.9

Multiples Across Competitors

UPST Competitors Multiples
Upstart Holdings Inc Competitors

All Multiples
P/S
P/E
EV/EBITDA
EV/EBIT
All Countries
Close
Market Cap P/S P/E EV/EBITDA EV/EBIT
US
Upstart Holdings Inc
NASDAQ:UPST
2B USD 4 -8.5 -11.7 -10.6
US
American Express Co
NYSE:AXP
166B USD 2.5 18.7 22.6 25.9
US
Capital One Financial Corp
NYSE:COF
54.5B USD 1.5 11.1 32.5 0
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
4.2T INR 8.9 39.5 28.2 28.3
US
Discover Financial Services
NYSE:DFS
31.4B USD 1.9 14.3 112.8 0
US
Synchrony Financial
NYSE:SYF
18.4B USD 1 6.4 75.3 0
IN
Cholamandalam Investment and Finance Company Ltd
NSE:CHOLAFIN
1.1T INR 6.2 33.6 41.3 42.4
US
Santander Consumer USA Holdings Inc
NYSE:SC
12.7B USD 1.6 4.1 8.5 12.2
US
Ally Financial Inc
NYSE:ALLY
12B USD 1.3 16.1 23.3 0
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
968.9B INR 2.8 14.6 18.2 19.3
BR
Creditaqui Financeira SA - Credito Financiamento e Investimento
BOVESPA:MERC3
56B BRL 1 121.8 -15 581.4 0 0

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