UPSTCAUTIOUS

UPST P/E Ratio Analysis

57.1x

Updated 131h ago·SEC filings & market data

Key Takeaway

The current P/E ratio of 57.1x means investors pay $57.10 for every $1 of the company's trailing earnings, a high price that expects strong future profit growth.

Sector Performance

88th percentile

UPST

57.1x

Sector Median

23.1x

Sector Avg

33.8x

Prior Period

69.5x(Jul 2026)

↑ Improving

📊

Deep Analysis

The current P/E ratio of 57.1x means investors pay $57.10 for every $1 of the company's trailing earnings, a high price that expects strong future profit growth.

Sector peers trade at a median 23.4x, placing UPST in the 88th percentile among them, so its valuation is far above typical. The metric's year-over-year change is N/A, while quarter-over-quarter it fell 17.7% from 69.5x to 57.1x. Because the level remains elevated despite that quarterly decline, the stock still carries valuation risk rather than a margin of safety. The downward move does offer a modest sign of cooling, but the high percentile keeps the risk level substantial for a non-expert investor. This supports the overall CAUTIOUS verdict, since the high P/E leaves limited room for disappointment in earnings.

Frequently Asked Questions

What does the P/E Ratio tell investors about UPST?

Measures how much investors pay per dollar of earnings. A high P/E signals growth expectations; a low P/E may indicate undervaluation or slow growth.

How is the P/E Ratio calculated?

P/E Ratio is calculated as: Price / EPS.

Who are UPST's closest peers by P/E Ratio?

The closest peers by P/E Ratio include: CMCSA (7.8x), EG (7.8x), CHRD (7.7x), OXY (7.4x), THC (7.3x).

📚

Learn More About P/E Ratio

DCF Valuation: How to Estimate What a Stock Is Actually Worth

Discounted Cash Flow is the most rigorous way to value a company. It's also the most misunderstood. Here's a plain-English walkthrough with a real example.

The Formula

Price / EPS

Why It Matters

Measures how much investors pay per dollar of earnings. A high P/E signals growth expectations; a low P/E may indicate undervaluation or slow growth.