Upstart PE ratio UPST

Share price divided by earnings per share over the last twelve months, since 2022.

Today, Oct 23, 2026: 48.5×
5-year median: 62.8×
Against its 5-year history: 32nd; percentile: 0 is its lowest day, 100 its highest
5-year range: 14.8× to 224×
Peer median: 10.6×

Upstart's PE ratio is 48.5× as of Oct 23, 2026: a share price of $23.78 against $0.49 of earnings per share over the last twelve months.

That is below its 5-year median of 62.8×, lower than on 68% of days in the last 5 years.

Over that time it ranged from 14.8× in Jul 2022 to 224× in Dec 2025.

The median for 10 credit services stocks of a similar size is 10.6×.

PE ratio over time

Open the interactive chart, with overlays and comparisons

Year by year

Year	End of year	Low	High
2026 so far	48.5×	46.6×	223×
2025	216×	169×	224×
2024	n/m a value too high to mean anything
2023	n/m a value too high to mean anything
2022	21.8×	14.8×	96.4×

Against its peers

Companies in Financial - Credit Services nearest Upstart's size, closest first, today.

Company	PE ratio
UPSTUpstart	48.5×
FLYWFlywire	74.6×
PAYOPayoneer Global	47.7×
EEFTEuronet Worldwide	10.4×
AGMFederal Agricultural Mortgage	10.9×
ECPGEncore Capital	7.4×
WUWestern Union CO	5.2×
CBZCBIZ	25.7×
HAPNHappen	8.5×
MMSMaximus	9.3×
PGYPagaya Technologies	13.9×
Peer median	10.6×

Where Upstart ranks

#59of 73Credit services stocks with the lowest PE ratio

What the PE ratio tells you

Share price divided by earnings per share over the last twelve months. It is the price tag on a dollar of profit: 20× means you pay $20 for $1 of yearly earnings.

Blank while earnings are negative. A very low PE can mean the market expects profits to fall, so read it with growth and the company's own history.

More on Upstart

Valuation data, not investment advice. Prices as of Oct 23, 2026. Reported figures come from the company's filings with the SEC.