Upstart Holdings, Inc.

BMV:UPST * Stock Report

Market Cap: Mex$147.7b

Upstart Holdings Valuation

Is UPST * undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Sales vs Peers

  • Price-To-Sales vs Industry

  • Price-To-Sales vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of UPST * when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate UPST *'s fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate UPST *'s fair value for valuation analysis.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for UPST *?

Key metric: As UPST * is unprofitable we use its Price-To-Sales Ratio for relative valuation analysis.

The above table shows the Price to Sales ratio for UPST *. This is calculated by dividing UPST *'s market cap by their current revenue.
What is UPST *'s PS Ratio?
PS Ratio11.8x
SalesUS$604.94m
Market CapUS$7.16b

Price to Sales Ratio vs Peers

How does UPST *'s PS Ratio compare to its peers?

The above table shows the PS ratio for UPST * vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PSEstimated GrowthMarket Cap
Peer Average1.5x
GENTERA * Gentera. de
1.4x20.6%Mex$38.6b
FINDEP * Financiera Independencia. de SOFOM E.N.R
0.7xn/aMex$2.5b
OMF OneMain Holdings
2.7x24.9%US$6.8b
GPROFUT * Grupo Profuturo. de
1xn/aMex$26.5b
UPST * Upstart Holdings
11.8x20.3%Mex$7.2b

Price-To-Sales vs Peers: UPST * is expensive based on its Price-To-Sales Ratio (11.8x) compared to the peer average (1.5x).

Price to Sales Ratio vs Industry

How does UPST *'s PS Ratio compare vs other companies in the Global Consumer Finance Industry?

51 CompaniesPrice / SalesEstimated GrowthMarket Cap
No. of Companies51PS0246810+
51 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Sales vs Industry: UPST * is expensive based on its Price-To-Sales Ratio (11.8x) compared to the Global Consumer Finance industry average (2.5x).

Price to Sales Ratio vs Fair Ratio

What is UPST *'s PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

UPST * PS Ratio vs Fair Ratio.
Fair Ratio
Current PS Ratio11.8x
Fair PS Ration/a

Price-To-Sales vs Fair Ratio: Insufficient data to calculate UPST *'s Price-To-Sales Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst UPST * forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentMex$1,630.12
Mex$1,065.56
-34.6%
55.1%Mex$1,828.13Mex$243.75n/a12
Nov ’25Mex$977.00
Mex$612.02
-37.4%
47.4%Mex$1,119.47Mex$179.92n/a13
Oct ’25Mex$805.00
Mex$485.37
-39.7%
47.8%Mex$931.90Mex$174.73n/a13
Sep ’25Mex$835.00
Mex$452.07
-45.9%
43.5%Mex$715.29Mex$173.99n/a13
Aug ’25Mex$479.99
Mex$371.94
-22.5%
38.1%Mex$577.53Mex$167.67n/a14
Jul ’25Mex$428.00
Mex$339.12
-20.8%
36.8%Mex$536.46Mex$160.94n/a14
Jun ’25Mex$419.00
Mex$320.84
-23.4%
36.3%Mex$503.53Mex$151.06n/a13
May ’25Mex$379.50
Mex$342.18
-9.8%
34.4%Mex$498.14Mex$149.44n/a14
Apr ’25Mex$464.70
Mex$352.12
-24.2%
34.4%Mex$508.91Mex$152.67n/a14
Mar ’25Mex$447.55
Mex$357.96
-20.0%
34.4%Mex$512.95Mex$153.88n/a14
Feb ’25Mex$551.00
Mex$368.28
-33.2%
45.7%Mex$720.33Mex$102.90n/a15
Jan ’25Mex$694.00
Mex$341.66
-50.8%
49.7%Mex$722.78Mex$103.25n/a13
Dec ’24Mex$560.00
Mex$332.51
-40.6%
42.3%Mex$555.64Mex$104.18n/a14
Nov ’24Mex$435.39
Mex$435.48
+0.02%
60.2%Mex$1,170.70Mex$109.75Mex$977.0015
Oct ’24Mex$512.13
Mex$422.05
-17.6%
60.2%Mex$1,122.03Mex$105.19Mex$805.0015
Sep ’24Mex$571.00
Mex$419.00
-26.6%
64.3%Mex$1,072.63Mex$100.56Mex$835.0014
Aug ’24Mex$1,201.00
Mex$384.93
-67.9%
88.8%Mex$1,212.53Mex$101.04Mex$479.9914
Jul ’24Mex$612.00
Mex$281.69
-54.0%
59.0%Mex$718.70Mex$102.67Mex$428.0013
Jun ’24Mex$523.00
Mex$227.49
-56.5%
26.1%Mex$305.62Mex$107.87Mex$419.0013
May ’24Mex$260.00
Mex$213.32
-18.0%
28.0%Mex$309.14Mex$109.11Mex$379.5013
Apr ’24Mex$282.70
Mex$219.57
-22.3%
28.9%Mex$316.56Mex$111.73Mex$464.7012
Mar ’24Mex$337.00
Mex$245.51
-27.1%
32.6%Mex$440.54Mex$110.14Mex$447.5512
Feb ’24Mex$372.00
Mex$270.78
-27.2%
27.5%Mex$446.90Mex$148.97Mex$551.0012
Jan ’24Mex$249.00
Mex$323.52
+29.9%
38.8%Mex$655.31Mex$198.58Mex$694.0012
Dec ’23Mex$360.00
Mex$311.73
-13.4%
39.7%Mex$637.97Mex$193.32Mex$560.0012
Nov ’23Mex$462.00
Mex$485.10
+5.0%
32.7%Mex$735.09Mex$278.14Mex$435.3912

Analyst Forecast: Target price is lower than the current share price.

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