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Upstart HoldingsXSWX:UPST +3.86%59 3-Year EPS without NRI Growth Rate is 22.20% as of Mar. 2026, which is 47% below its 10-year median of 41.75. GuruFocus rates XSWX:UPST with a GF Score™ of 59/100 and a GF Value™ of CHF51.56. The stock has 5 warning signs investors should review. Among 432 Credit Services companies, Upstart Holdings ranks better than 65.97% on this metric.
During the past 3 years, the average EPS without NRI Growth Rate was 22.20% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 9 years, the highest 3-Year average EPS without NRI Growth Rate of Upstart Holdings was 61.30% per year. The lowest was 22.20% per year. And the median was 41.75% per year.
Upstart Holdings (XSWX:UPST) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Upstart Holdings 3-Year EPS without NRI Growth Rate Related Terms
XSWX:UPST vs WU, AGM.A, ECPG: 3-Year EPS without NRI Growth Rate Comparison
For the Credit Services subindustry, Upstart Holdings's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Upstart Holdings 3-Year EPS without NRI Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Upstart Holdings's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Upstart Holdings's 3-Year EPS without NRI Growth Rate falls into.
Upstart Holdings 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 22.20% mean?
Upstart Holdings (XSWX:UPST) has a 3-Year EPS without NRI Growth Rate of 22.20% as of Mar. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Upstart Holdings and its competitors. This is 47% below median its historical median of 41.75. Over the past decade, Upstart Holdings' 3-Year EPS without NRI Growth Rate has ranged from 22.20 to 61.30. According to the industry distribution chart, Upstart Holdings ranks #147 out of 432 companies in the Credit Services industry, placing it in the top 34%.
Is Upstart Holdings' 3-Year EPS without NRI Growth Rate too high?
Upstart Holdings' current 3-Year EPS without NRI Growth Rate of 22.20% is 47% below median its 10-year median of 41.75. Over the past 10 years, this metric has ranged from a low of 22.20 to a high of 61.30. The Credit Services industry median 3-Year EPS without NRI Growth Rate is 11.40. Upstart Holdings' value of 22.20% is 94.7% above this industry median. Based on the distribution chart, Upstart Holdings ranks #147 out of 432 companies in the Credit Services industry, which is above the industry midpoint. Overall, Upstart Holdings has a GF Score™ of 59/100, reflecting its overall financial health beyond just this single metric.
How does Upstart Holdings' 3-Year EPS without NRI Growth Rate compare to WU and AGM.A?
According to the Credit Services industry distribution chart, Upstart Holdings ranks #147 out of 432 companies for 3-Year EPS without NRI Growth Rate. This puts Upstart Holdings in the upper half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 11.40. Upstart Holdings' value of 22.20% is 94.7% above this benchmark. Historically, Upstart Holdings' own 3-Year EPS without NRI Growth Rate has ranged from 22.20 to 61.30 over the past decade. While the company's 10-year median is 41.75 vs. the industry median of 11.40, Upstart Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Credit Services company?
The median 3-Year EPS without NRI Growth Rate among Credit Services companies is 11.40, based on 432 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Upstart Holdings's current 3-Year EPS without NRI Growth Rate of 22.20% is 94.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Upstart Holdings and its competitors. For the Credit Services industry, the median 3-Year EPS without NRI Growth Rate is 11.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Upstart Holdings's current 3-Year EPS without NRI Growth Rate is 22.20%, which is 47% below median its own 10-year median of 41.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Upstart Holdings stock overvalued right now?
Upstart Holdings (XSWX:UPST) has a current 3-Year EPS without NRI Growth Rate of 22.20%. The stock's GF Value™ is CHF51.56, compared to a current price of CHF24.46 — trading 52.6% below its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 22.20%, which is 47% below median its 10-year median of 41.75 and 94.7% above the Credit Services industry median of 11.40. Upstart Holdings' overall GF Score™ is 59/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Upstart Holdings (XSWX:UPST), the current 3-Year EPS without NRI Growth Rate is 22.20% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Upstart Holdings (XSWX:UPST) Overvalued in 2026?
Based on GuruFocus' analysis, Upstart Holdings stock appears to be undervalued.
The current stock price of CHF24.46 is trading 52.6% below its estimated GF Value™ of CHF51.56.
Key valuation signals for XSWX:UPST:
3-Year EPS without NRI Growth Rate: 22.20% (47% below median its 10-year median of 41.75)
GF Value™: CHF51.56 vs. price of CHF24.46 (52.6% below fair value)
Industry Position: 94.7% above the Credit Services median (#147 of 432)
No single metric tells the full story. See the XSWX:UPST stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners. The company support development of different lending product offerings, which are grouped into three operating segments - Personal Lending (unsecured personal loans and small dollar loans), Auto Lending (auto refinance, auto retail loans, and auto secured personal loans), and Other (HELOCs and other).
59GF Score
Get the complete analysis for XSWX:UPST
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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