SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Upstart Holdings, Inc. (UPST) trades at a trailing P/E of 48.6, forward P/E of 14.8. Trailing earnings yield is 2.06%, forward earnings yield 6.74%. PEG 0.04 (Peter Lynch undervalued ≤1.0). Graham Number is $10.06.
Criteria proven by this page:
- VALUE (76/100, Pass) — PEG ≤ 1.0 — Peter Lynch undervalued (0.04); analyst target implies upside (+53%).
- Forward P/E 14.8 (down from trailing 48.6) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.04 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 2.06% — below bond yields — investors are paying a premium for expected growth rather than current earnings. Forward yield improves to 6.74% as earnings recover.
- Analyst consensus target $45.17 (+53% upside) — significant upside potential according to Wall Street analysts.
Overall SharesGrow Score: 55/100 with 2/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
76/100
Price-to-Earnings & upside
Proven by this page
✗
HEALTH
33/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — UPST
Valuation Multiples
P/E (TTM)48.6
Forward P/E14.8
PEG Ratio0.04
Forward PEG0.04
P/B Ratio3.26
P/S Ratio2.43
EV/EBITDA48.1
Per Share Data
EPS (TTM)$0.55
Forward EPS (Est.)$1.99
Book Value / Share$8.19
Revenue / Share$11.02
FCF / Share$-1.70
Yields & Fair Value
Earnings Yield2.06%
Forward Earnings Yield6.74%
Dividend Yield0.00%
Graham Number$10.06
SharesGrow IV$-11.50 (-139%)
Analyst Target$45.17 (+53%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2017 |
-53.0 |
0.00 |
0.00 |
7.35 |
- |
| 2018 |
-33.8 |
-0.61 |
4.56 |
4.36 |
- |
| 2019 |
-908.0 |
9.43 |
-6.75 |
2.24 |
- |
| 2020 |
148.4 |
-0.16 |
2.96 |
3.86 |
- |
| 2021 |
87.3 |
0.16 |
14.64 |
13.90 |
- |
| 2022 |
-10.1 |
0.06 |
1.63 |
1.28 |
- |
| 2023 |
-14.3 |
-0.12 |
5.39 |
6.25 |
- |
| 2024 |
-42.8 |
0.86 |
8.70 |
8.14 |
- |
| 2025 |
78.3 |
-0.56 |
5.26 |
3.90 |
- |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2017 |
$-0.56 |
$55.64M |
$-7.72M |
-13.9% |
| 2018 |
$-0.87 |
$95.58M |
$-12.32M |
-12.9% |
| 2019 |
$-0.01 |
$162.78M |
$-466K |
-0.3% |
| 2020 |
$0.08 |
$222.05M |
$5.98M |
2.7% |
| 2021 |
$1.43 |
$846.61M |
$135.44M |
16% |
| 2022 |
$-1.31 |
$837.76M |
$-108.67M |
-13% |
| 2023 |
$-2.87 |
$508.12M |
$-240.13M |
-47.3% |
| 2024 |
$-1.44 |
$628.83M |
$-128.58M |
-20.4% |
| 2025 |
$0.45 |
$1.08B |
$53.6M |
5% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$2.05 |
$1.74 – $2.47 |
$1.41B |
$1.38B – $1.44B |
8 |
| 2027 |
$2.99 |
$2.68 – $3.68 |
$1.88B |
$1.81B – $1.92B |
7 |
| 2028 |
$4.64 |
$3.24 – $6.35 |
$2.36B |
$2.36B – $2.36B |
4 |
| 2029 |
$6.37 |
$6.03 – $6.63 |
$3.45B |
$3.31B – $3.56B |
2 |
