What is Upstart Holdings, Inc. (UPST)'s PEG ratio?

Upstart Holdings, Inc. (UPST) has a PEG ratio of 4.22 (Potentially Overvalued), based on a PE ratio of 66.3 and expected EPS growth of 15.7% (5-Year EPS CAGR).

Is UPST undervalued based on its PEG ratio?

A PEG below 1.0 is conventionally read as potentially undervalued, 1.0–2.0 as fairly valued, and above 2.0 as potentially overvalued relative to growth. At 4.22, Upstart Holdings, Inc. (UPST) screens as "Potentially Overvalued". PEG is one signal, not investment advice — see the full DCF fair value at evidinvest.com/valuation/UPST.

Upstart Holdings, Inc. (UPST) PEG Ratio

Potentially Overvalued

PE ratio relative to earnings growth — is the valuation justified?

4.22

PEG Ratio

PEG ratio is generally unreliable for Financial Services companies — earnings are driven by interest margins and provisions

PEG ratio is generally unreliable for Financial Services companies

4.22

Current Price

$33.79

TTM EPS

$0.51

P/E Ratio

66.25

Growth Rate

15.7%

5-Year EPS CAGR

Sector

Financial Services

Financial - Credit Services

Calculated

8/18/2026

9:40:55 AM

Peer Comparison

Sample Size

4 peers

Industry Median PEG

1.70

25th Percentile

1.48

75th Percentile

1.94

UPST PEG (4.22) vs Industry Median (1.70): 148% premium

Symbol	Company	PEG	P/E	Growth	vs UPST
PYPL	PayPal Holdings, Inc.	1.30	11.4	8.8%	-69%
MA	Mastercard Incorporated	1.48	30.9	20.9%	-65%
V	Visa Inc.	1.93	30.5	15.8%	-54%
TTD	The Trade Desk, Inc.	1.94	23.5	12.1%	-54%

How to Interpret PEG Ratio

PEG < 1.0 — Potentially Undervalued. The stock may be priced below its earnings growth rate, suggesting a potential buying opportunity.

PEG 1.0–2.0 — Fairly Valued. The stock price is roughly in line with its earnings growth. A PEG of 1.0 is often considered "fair value."

PEG > 2.0 — Potentially Overvalued. The stock may be priced above what its earnings growth justifies.

Limitations:PEG ratios are less reliable for financial firms (earnings driven by interest margins), companies with negative/zero earnings growth, and hypergrowth companies (>100% growth) where the ratio may appear misleadingly low. Always use PEG alongside other valuation metrics.

Upstart Holdings, Inc. (UPST) PEG Ratio

Peer Comparison

How to Interpret PEG Ratio

More on UPST

Compare with peers

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Upstart Holdings, Inc. (UPST) PEG Ratio

Peer Comparison

How to Interpret PEG Ratio

More on UPST

Compare with peers

Explore