Upstart Holdings (UPST, Consumer lending & cards) Stock Valuation & Fair Value
Mixed on our testsUpstart Holdings (UPST, Consumer lending & cards) trades at a current P/E of 26.7, about 68% below its historical normal valuation, with a forward growth estimate of 82.2% and a PEG of 0.32. Priced at its historical normal P/E of 82.6 on the same blended earnings, the 2026-11-06 close of $21.89 corresponds to about $67.80 a share. This is a valuation reference, not a price target.
How to read these numbers: the PEG ratio and current P/E versus normal P/E.
- Price $21.89 at the Nov 6 close, 6.0% below the 20-day average ($23.28) and 10.7% below the 50-day ($24.50).
- RSI (14) at 41.7.
- 52-week range $21.31 to $50.70: the price is 56.8% below the high and 2.7% above the low.
The Street vs SeerForecast
Wall Street's mean price target for UPST is $38.38 across 16 analysts, 75.3% above the current price. The average analyst rating is Buy. Our SeerForecast read of the same stock, formed without analyst targets: mixed on our tests. When the two disagree, start your digging there.
Valuation flags
- Profitable in only 1 of the last 3 reported years
- Misses analyst estimates often (75%)
Verdict history
tickerseer's rating has been mixed on our tests since 2026-07-31.
Not every point was recorded live. Points marked recalculated are worked out from the metrics tickerseer archived that week.
Selected weeks: the first, the latest, and the cheapest and dearest.
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Frequently asked questions
Is Upstart Holdings stock overvalued?
At a current P/E of 26.7 versus its historical normal P/E of 82.6, Upstart Holdings trades about 68% below its typical valuation, with a PEG of 0.32 on 82.2% forward growth. tickerseer currently rates it mixed on our tests.
What is Upstart Holdings's fair value and PEG?
Upstart Holdings trades at a current P/E of 26.7 against a historical normal P/E of 82.6, a PEG of 0.32, and a forward growth estimate of 82.2%. Priced at its historical normal P/E of 82.6 on the same blended earnings, the 2026-11-06 close of $21.89 corresponds to about $67.80 a share. This is a valuation reference, not a price target.
Has tickerseer's rating of Upstart Holdings changed?
tickerseer's rating has been mixed on our tests since 2026-07-31.
What is the analyst price target for Upstart Holdings?
The mean Wall Street price target for Upstart Holdings is $38.38 across 16 analysts, 75.3% above the current price. tickerseer's SeerForecast verdict is formed independently of analyst targets.
Industry: Consumer lending & cards. Create a free account to see the full analysis: the SeerAI score, valuation history, and an AI research note where we have one. Options setups and metric history are part of the paid plans.
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