UPST
Upstart Holdings
PEG ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: UPST
- PEG Ratio
Upstart Holdings is trading with a PE to growth ratio of 0.03, based on Nov 3, 2026 data. Dividing the 34.47 PE ratio by the 1133.3% earnings growth rate yields this valuation metric. Relative to the 0.55 average from the past four quarters, the PEG ratio has dropped by 94%.
UPST PEG ratio history
Historically, Upstart Holdings has a PEG ratio averaging 0.46 across the past six years. At 0.03, today's PEG ratio sits 93% less than its historical average. The six years high occurred in the Sep 2025 quarter at 1.27, reflecting maximum valuation relative to growth. The minimum was hit in the Mar 2022 quarter at 0.04, indicating optimal value relative to growth during that period.
Upstart Holdings PEG ratio by year
| Year | PEG ratio | PE ratio | Growth YoY |
|---|---|---|---|
| 2025 | 0.56 | 78.09 | 138.9% |
| 2024 | N/A | N/A | 49.8% |
| 2023 | N/A | N/A | -119.1% |
| 2022 | N/A | N/A | -175.7% |
| 2021 | N/A | 87.46 | N/A |
| 2020 | N/A | N/A | 100% |
| 2019 | N/A | N/A | 96.6% |
| 2018 | N/A | N/A | -55.4% |
| 2017 | N/A | N/A | N/A |
Upstart Holdings PEG ratio by quarter (TTM)
| Year | PEG ratio | PE ratio | Growth YoY |
|---|---|---|---|
| Jun 2026 | 0.05 | 57.15 | 1,133.3% |
| Mar 2026 | 0.3 | 50.29 | 168.9% |
| Dec 2025 | 0.56 | 78.09 | 138.9% |
| Sep 2025 | 1.27 | 149.41 | 117.7% |
| Jun 2025 | N/A | N/A | 97.4% |
| Mar 2025 | N/A | N/A | 63.9% |
| Dec 2024 | N/A | N/A | 49.8% |
| Sep 2024 | N/A | N/A | 37.5% |
| Jun 2024 | N/A | N/A | 29% |
| Mar 2024 | N/A | N/A | 37.9% |
| Dec 2023 | N/A | N/A | -119.1% |
| Sep 2023 | N/A | N/A | -4,485.7% |
| Jun 2023 | N/A | N/A | -390.3% |
| Mar 2023 | N/A | N/A | -266.7% |
| Dec 2022 | N/A | N/A | -175.7% |
UPST average PEG ratio chart
When comparing to historical data, UPST's PEG ratio is lower than the 5-year average.
PEG comparison
With a PEG of 0.03, UPST stands below the Financial Services sector and the industry average. Looking at its Financial Services sector average of 0.47, Upstart Holdings's PEG is 94% lower.
UPST EPS growth
UPST Price vs fair value
UPST PEG vs peers
UPST has a PEG ratio below that of peer stock RM.
Frequently asked questions
What is Upstart Holdings's PEG ratio?
According to Nov 3, 2026 data, UPST's PEG ratio sits at 0.03.
What is the 5-year average PEG ratio for Upstart Holdings (UPST)?
UPST's 5-year PEG ratio average is 0.46.
What is the highest PEG ratio for UPST?
UPST's PEG ratio peaked at 1.27 during the Sep 2025 quarter - the highest in six years.
How does the current PEG ratio for UPST compare to its historical average?
Compared to the 6-year average, UPST's PEG ratio is 93% lower.
Why is Upstart Holdings's PEG ratio so low?
Rapid earnings growth combined with a reasonable valuation yields UPST a PEG ratio of 0.03.
How is UPST's PEG ratio calculated (Upstart Holdings PEG ratio formula)?
PEG equals PE divided by earnings per share growth (YoY TTM). As of Nov 3, 2026, Upstart Holdings has a P/E ratio of 34.47. Earnings grew at 1133.3% over the TTM period ending Jun 2026. Applying the formula, this gives a price to earnings growth ratio of 0.03. PEG RATIO(0.03) = PE RATIO(34.47) / EPS GROWTH(1133.3%)
All PEG ratio stats are based on quarterly TTM periods, unless otherwise specified.