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Future 3-5Y EPS without NRI Growth Rate s the average growth rate of earnings per share (EPS) estimates over a 3-year to 5-year period.
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 earnings per share (EPS) estimates growth rate.
Upstart Holdings Future 3-5Y EPS without NRI Growth Rate Related Terms
XSWX:UPST vs AGM.A, WU, ECPG: Future 3-5Y EPS without NRI Growth Rate Comparison
For the Credit Services subindustry, Upstart Holdings's Future 3-5Y EPS without NRI Growth Rate, along with its competitors' market caps and Future 3-5Y 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 Future 3-5Y EPS without NRI Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Upstart Holdings's Future 3-5Y EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Upstart Holdings's Future 3-5Y EPS without NRI Growth Rate falls into.
What does a Future 3-5Y EPS without NRI Growth Rate of 44.44 mean?
Upstart Holdings (XSWX:UPST) has a Future 3-5Y EPS without NRI Growth Rate of 44.44 as of Sep. 21, 2026. EPS Growth Rate (Future 3Y To 5Y Estimate) is the average growth rate of earnings per share (EPS) estimates over a 3-year to 5-year period. View historical data for Upstart Holdings and its competitors. According to the industry distribution chart, Upstart Holdings ranks #9 out of 115 companies in the Credit Services industry, placing it in the top 7.8%.
Is Upstart Holdings' Future 3-5Y EPS without NRI Growth Rate too high?
Upstart Holdings' current Future 3-5Y EPS without NRI Growth Rate is 44.44. The Credit Services industry median Future 3-5Y EPS without NRI Growth Rate is 15.00. Upstart Holdings' value of 44.44 is 196.3% above this industry median. Based on the distribution chart, Upstart Holdings ranks #9 out of 115 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Upstart Holdings has a GF Score™ of 59/100, reflecting its overall financial health beyond just this single metric.
How does Upstart Holdings' Future 3-5Y EPS without NRI Growth Rate compare to AGM.A and WU?
According to the Credit Services industry distribution chart, Upstart Holdings ranks #9 out of 115 companies for Future 3-5Y EPS without NRI Growth Rate. This places Upstart Holdings in the top 8% of its industry — outperforming the majority of peers. The industry median Future 3-5Y EPS without NRI Growth Rate is 15.00. Upstart Holdings' value of 44.44 is 196.3% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Future 3-5Y EPS without NRI Growth Rate for a Credit Services company?
The median Future 3-5Y EPS without NRI Growth Rate among Credit Services companies is 15.00, based on 115 companies in the industry. Companies in the top quartile (top 25%) have a Future 3-5Y EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, Future 3-5Y 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 Future 3-5Y EPS without NRI Growth Rate of 44.44 is 196.3% 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 Future 3-5Y EPS without NRI Growth Rate mean?
A high Future 3-5Y EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. EPS Growth Rate (Future 3Y To 5Y Estimate) is the average growth rate of earnings per share (EPS) estimates over a 3-year to 5-year period. View historical data for Upstart Holdings and its competitors. For the Credit Services industry, the median Future 3-5Y EPS without NRI Growth Rate is 15.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Upstart Holdings's current Future 3-5Y EPS without NRI Growth Rate is 44.44. 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 Future 3-5Y EPS without NRI Growth Rate of 44.44. The stock's GF Value™ is CHF49.42, compared to a current price of CHF20.55 — trading 58.4% below its estimated fair value. The current Future 3-5Y EPS without NRI Growth Rate is 44.44 and 196.3% above the Credit Services industry median of 15.00. 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 Future 3-5Y EPS without NRI Growth Rate calculated?
Future 3-5Y EPS without NRI Growth Rate is calculated from a company's financial statements. For Upstart Holdings (XSWX:UPST), the current Future 3-5Y EPS without NRI Growth Rate is 44.44 as of Sep. 21, 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 CHF20.55 is trading 58.4% below its estimated GF Value™ of CHF49.42.
Key valuation signals for XSWX:UPST:
Future 3-5Y EPS without NRI Growth Rate: 44.44
GF Value™: CHF49.42 vs. price of CHF20.55 (58.4% below fair value)
Industry Position: 196.3% above the Credit Services median (#9 of 115)
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
Future 3-5Y 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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