Bringing the fundamentals into focus…
Back to Upstart Holdings, Inc.
How Upstart Holdings, Inc. stacks up
UPST · against 131 other Financial Services companies listed in US-listed
Valuation
12/ 100
Near the bottom of its peers.
Ranked #116 of 132 · scores higher than 11% of peers
Bars: peers in each 10-point band of the valuation score16 peers with a valuation score of 10–19, including UPST · Click a bar to see the companies
Why valuation scores 12?
Weighted metrics compared with all Financial Services companies.Mainly because of its earnings yield and EBITDA yield, which are weaker than most Financial Services peers.
- lower earnings for the price paid: weaker than 80% of peers. Earnings yield: 2.9% vs peer median 5.7%
- less operating profit (EBITDA) for the company's total value: weaker than 76% of peers. EBITDA yield: 2.1% vs peer median 6.9%
Metric by metric
Position: dot = UPST, ranked from the worst peer (left) to the best (right); tick = middle, shaded = middle half of peers.| Metric | UPST | Peer median | Better than | Position among peers | Weight |
|---|---|---|---|---|---|
| Earnings yieldHigher is better · 191 reported | 2.4% | 4.8% | 20% | 30% | |
| EBITDA yieldHigher is better · 80 reported | 3.1% | 6.9% | 18% | 50% | |
| Free cash flow yieldHigher is better · 133 reported | -14.7% | 5.6% | 8% | 20% | |
| Book yieldHigher is better · 187 reported | 38.4% | 63.8% | 38% | Context only |
Ranking by valuation score
Top 5 and the companies ranked around UPST| Rank | Company | Market cap | Valuation | Overall |
|---|---|---|---|---|
| 1 | 498M USD | 100 | 90 | |
| 1 | 641M USD | 100 | 74 | |
| 3 | 82M USD | 99 | 78 | |
| 3 | 827M USD | 99 | 62 | |
| 3 | 659M USD | 99 | 72 | |
| 114 | 79M USD | 13 | ||
| 114 | 12.5B USD | 13 | 17 | |
| 116 | 4.3B USD | 12 | 62 | |
| 116 | 38.4B USD | 12 | 22 | |
| 116 | 2.1B USD | 12 | 45 | |
| 119 | 4.5B USD | 10 | 21 | |
| 119 | 116M USD | 10 | ||
| 121 | 372M USD | 9 | 35 | |
| 122 | 832M USD | 8 | 17 |
Scores are sector-relative percentiles from the latest snapshot, always calculated against the whole sector: narrowing the comparison group changes who you compare with, not the scores. Missing metrics are left out and the remaining weights rescaled. How we score