Upstart Holdings, Inc.
UPST Financial Credit Services
Upstart Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.0 billion, up 64.0% from fiscal 2024. In the quarter to June 2026, revenue grew 41.8%, EPS grew 183.3%, free cash flow fell 14.7% and total debt rose 40.2%, each against the same quarter a year earlier. Insiders bought in the last twelve months.
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Upstart Holdings, Inc. (UPST) P/E ratio
As of 16 October 2026, Upstart Holdings, Inc. (UPST) trades at a P/E ratio of 38.0×. Over the past ten years it has ranged from 0.0× (September 2025) to 498× (October 2022); the current reading is higher than 54% of that period. That is above the Credit Services industry median of 9.4× and above the Financial sector median of 12.4×.
P/E ratio, daily
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Annual newest first
| Period | P/E ratio | Change |
|---|---|---|
| FY2025 | 79.5× | — |
| FY2024 | 0.0× | — |
| FY2023 | 0.0× | — |
| FY2022 | 0.0× | — |
| FY2021 | 88.5× | (24.46%) |
| FY2020 | 117× | 22.58% |
| FY2019 | 95.6× | 0.00% |
| FY2018 | 95.6× | 0.00% |
| FY2017 | 95.6× | — |
Quarterly newest first
| Period | P/E ratio | Change |
|---|---|---|
| Jun 2026 | 57.1× | 13.62% |
| Mar 2026 | 50.3× | (36.74%) |
| Dec 2025 | 79.5× | (48.35%) |
| Sep 2025 | 154× | — |
| 23 more quarters | Free account |
Against its own ten years
P/E ratio against peers
| Company | P/E ratio |
|---|---|
| WU The Western Union Company compare | 5.0× |
| SLM SLM Corporation compare | 6.0× |
| ECPG Encore Capital Group Inc compare | 7.5× |
| BFH Bread Financial Holdings, Inc. compare | 7.9× |
| ATLC Atlanticus Holdings Corporation compare | 9.6× |
| AGM Federal Agricultural Mortgage Corporation compare | 11.1× |
| ENVA Enova International, Inc. compare | 12.4× |
| EZPW EZCORP, Inc. compare | 12.8× |
| UPST Upstart Holdings, Inc. | 38.0× |
| Credit Services industry median | 9.4× |
| Financial sector median | 12.4× |
| Market median | 18.1× |
What P/E ratio is
Price to Earnings Ratio shows how much investors pay for each dollar of a company’s annual profit per share.
Stock Price ÷ EPS (Basic) (TTM)