As of 2025-05-24, the Fair Value of Upstart Holdings Inc (UPST) is -33.81 USD. This value is based on the Peter Lynch's Fair Value formula. With the current market price of 45.26 USD, the upside of Upstart Holdings Inc is -174.71%.
With the market price of 45.26 USD and our fair value calculation, Upstart Holdings Inc (UPST) is not a good investment. Investing in Upstart stocks now will result in a potential loss of 174.71%.
Note: valuation result may not be accurate due to the company's negative EPS.
Peter Lynch's formula is:
The earnings growth rate we use in the formula is the average growth rate of net income/earnings over the last 5 years. If the average growth rate is smaller than 5%, we set it to 5%. If it is larger than 25%, we set it to 25%. If the TTM EPS is negative, Peter Lynch Fair Value's result can be unreliable.
| Historical Earnings | ||||||
| 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 5Y Avg | |
| Net income | 6.00 | 135.40 | -108.70 | -240.13 | -128.58 | -67.20 |
| YoY growth | 1,300.00% | 2,156.67% | -180.28% | -120.91% | 46.45% | 640.39% |
| Market Cap (mil) | 4,302.87 |
| P/E | |
| Forward P/E |
| EPS | -1.35 |
| Avg earnings growth rate | 640.39% |
| TTM earnings | -128.58 |