Friday 6 November 2026 Export UPST’s income statement to Excel — free account

Upstart Holdings, Inc.

Upstart Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.0 billion, up 64.0% from fiscal 2024.

Revenue: −25.2%
EPS: −0.30%
Free cash flow: +107.6%
Total debt: −1.43%

Quarter to September 2026, against a year earlier

Insider buying

22.32 0.18 +0.81%

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Market cap: $2.2B
P/E: 38.2×
Fwd P/E: 33.9×
Dividend yield: —
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview

Upstart Holdings, Inc. (UPST) P/E ratio

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As of 5 November 2026, Upstart Holdings, Inc. (UPST) trades at a P/E ratio of 38.2×. Over the past ten years it has ranged from 0.0× (September 2025) to 498× (October 2022); the current reading is higher than 53% of that period. That is above the Credit Services industry median of 9.0× and above the Financial sector median of 12.2×.

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<iframe src="https://stockrow.com/embed/UPST/pe-ratio" width="100%" height="360" style="border:0" loading="lazy" title="Upstart Holdings, Inc. P/E ratio, 10 years"></iframe>
<p style="font-size:12px">Source: <a href="https://stockrow.com/UPST/metrics/pe-ratio">Upstart Holdings, Inc. (UPST) P/E ratio — stockrow.com</a></p>

Period	P/E ratio	Change
FY2025	85.4×	—
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×	—

Period	P/E ratio	Change
Sep 2026	39.6×	(35.00%)
Jun 2026	60.9×	12.03%
Mar 2026	54.3×	(36.38%)
Dec 2025	85.4×	(44.54%)
24 more quarters	Free account

Against its own ten years

Low 0.0× High 498×

Ten-year median 23.2×

Current reading's percentile 13

Company	P/E ratio
SLM SLM Corporation compare	6.3×
WU The Western Union Company compare	6.5×
ATLC Atlanticus Holdings Corporation compare	6.8×
ECPG Encore Capital Group Inc compare	7.8×
BFH Bread Financial Holdings, Inc. compare	8.0×
JCAP Jefferson Capital, Inc. compare	8.5×
AGM Federal Agricultural Mortgage Corporation compare	10.8×
EZPW EZCORP, Inc. compare	11.2×
UPST Upstart Holdings, Inc.	38.2×
Credit Services industry median	9.0×
Financial sector median	12.2×
Market median	17.9×

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)

The full definition of P/E ratio →

Upstart Holdings, Inc. (UPST) P/E ratio

P/E ratio, daily

Annual newest first

Quarterly newest first

Against its own ten years

P/E ratio against peers

What P/E ratio is

More on UPST

P/E ratio, daily

Annual newest first

Quarterly newest first

Against its own ten years

P/E ratio against peers

What P/E ratio is

More on UPST

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