Upstart Holdings Valuation
Is UPST * undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
1/6Valuation Score 1/6
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 *?
Other financial metrics that can be useful for relative valuation.
What is UPST *'s n/a Ratio? | |
---|---|
n/a | 0x |
n/a | n/a |
Market Cap | US$1.97b |
Key Statistics | |
---|---|
Enterprise Value/Revenue | 5x |
Enterprise Value/EBITDA | -22.1x |
PEG Ratio | n/a |
Price to Sales Ratio vs Peers
How does UPST *'s PS Ratio compare to its peers?
Company | Forward PS | Estimated Growth | Market Cap |
---|---|---|---|
Peer Average | 2x | ||
GENTERA * Gentera. de | 1.5x | 20.0% | Mex$36.4b |
FINDEP * Financiera Independencia. de SOFOM E.N.R | 0.8x | n/a | Mex$2.9b |
GPROFUT * Grupo Profuturo. de | 1.2x | n/a | Mex$27.1b |
BOLSA A Bolsa Mexicana de Valores. de | 4.6x | 7.2% | Mex$17.7b |
UPST * Upstart Holdings | 3.4x | 14.0% | Mex$2.0b |
Price-To-Sales vs Peers: UPST * is expensive based on its Price-To-Sales Ratio (3.4x) compared to the peer average (2x).
Price to Earnings Ratio vs Industry
How does UPST *'s PE Ratio compare vs other companies in the Global Consumer Finance Industry?
Price-To-Sales vs Industry: UPST * is expensive based on its Price-To-Sales Ratio (3.4x) compared to the Global Consumer Finance industry average (2.3x).
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.
Fair Ratio | |
---|---|
Current PS Ratio | 3.4x |
Fair PS Ratio | 5.1x |
Price-To-Sales vs Fair Ratio: UPST * is good value based on its Price-To-Sales Ratio (3.4x) compared to the estimated Fair Price-To-Sales Ratio (5.1x).
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Date | Share Price | Average 1Y Price Target | Dispersion | High | Low | 1Y Actual price | Analysts |
---|---|---|---|---|---|---|---|
Current | Mex$414.00 | Mex$323.94 -21.8% | 35.9% | Mex$500.70 | Mex$160.94 | n/a | 13 |
Jun ’25 | Mex$419.00 | Mex$306.69 -26.8% | 35.4% | Mex$471.62 | Mex$151.59 | n/a | 12 |
May ’25 | Mex$379.50 | Mex$342.18 -9.8% | 34.4% | Mex$498.14 | Mex$149.44 | n/a | 14 |
Apr ’25 | Mex$464.70 | Mex$352.12 -24.2% | 34.4% | Mex$508.91 | Mex$152.67 | n/a | 14 |
Mar ’25 | Mex$447.55 | Mex$357.96 -20.0% | 34.4% | Mex$512.95 | Mex$153.88 | n/a | 14 |
Feb ’25 | Mex$551.00 | Mex$368.28 -33.2% | 45.7% | Mex$720.33 | Mex$102.90 | n/a | 15 |
Jan ’25 | Mex$694.00 | Mex$341.66 -50.8% | 49.7% | Mex$722.78 | Mex$103.25 | n/a | 13 |
Dec ’24 | Mex$560.00 | Mex$332.51 -40.6% | 42.3% | Mex$555.64 | Mex$104.18 | n/a | 14 |
Nov ’24 | Mex$435.39 | Mex$435.48 +0.02% | 60.2% | Mex$1,170.70 | Mex$109.75 | n/a | 15 |
Oct ’24 | Mex$512.13 | Mex$422.05 -17.6% | 60.2% | Mex$1,122.03 | Mex$105.19 | n/a | 15 |
Sep ’24 | Mex$571.00 | Mex$419.00 -26.6% | 64.3% | Mex$1,072.63 | Mex$100.56 | n/a | 14 |
Aug ’24 | Mex$1,201.00 | Mex$384.93 -67.9% | 88.8% | Mex$1,212.53 | Mex$101.04 | n/a | 14 |
Jul ’24 | Mex$612.00 | Mex$281.69 -54.0% | 59.0% | Mex$718.70 | Mex$102.67 | n/a | 13 |
Jun ’24 | Mex$523.00 | Mex$227.49 -56.5% | 26.1% | Mex$305.62 | Mex$107.87 | Mex$419.00 | 13 |
May ’24 | Mex$260.00 | Mex$213.32 -18.0% | 28.0% | Mex$309.14 | Mex$109.11 | Mex$379.50 | 13 |
Apr ’24 | Mex$282.70 | Mex$219.57 -22.3% | 28.9% | Mex$316.56 | Mex$111.73 | Mex$464.70 | 12 |
Mar ’24 | Mex$337.00 | Mex$245.51 -27.1% | 32.6% | Mex$440.54 | Mex$110.14 | Mex$447.55 | 12 |
Feb ’24 | Mex$372.00 | Mex$270.78 -27.2% | 27.5% | Mex$446.90 | Mex$148.97 | Mex$551.00 | 12 |
Jan ’24 | Mex$249.00 | Mex$323.52 +29.9% | 38.8% | Mex$655.31 | Mex$198.58 | Mex$694.00 | 12 |
Dec ’23 | Mex$360.00 | Mex$311.73 -13.4% | 39.7% | Mex$637.97 | Mex$193.32 | Mex$560.00 | 12 |
Nov ’23 | Mex$462.00 | Mex$485.10 +5.0% | 32.7% | Mex$735.09 | Mex$278.14 | Mex$435.39 | 12 |
Oct ’23 | Mex$420.00 | Mex$524.14 +24.8% | 32.0% | Mex$753.97 | Mex$277.78 | Mex$512.13 | 12 |
Sep ’23 | Mex$510.00 | Mex$524.14 +2.8% | 32.0% | Mex$753.97 | Mex$277.78 | Mex$571.00 | 12 |
Aug ’23 | Mex$482.01 | Mex$642.49 +33.3% | 48.6% | Mex$1,416.74 | Mex$287.45 | Mex$1,201.00 | 12 |
Jul ’23 | Mex$666.00 | Mex$898.15 +34.9% | 41.5% | Mex$1,610.47 | Mex$301.96 | Mex$612.00 | 13 |
Jun ’23 | Mex$914.55 | Mex$982.57 +7.4% | 40.5% | Mex$1,731.98 | Mex$295.22 | Mex$523.00 | 13 |
Analyst Forecast: Target price is lower than the current share price.