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Upstart HoldingsUPST +4.40%59 Earnings per Share (Diluted) is $0.38 as of Mar. 2026. GuruFocus rates UPST with a GF Score™ of 59/100 and a GF Value™ of $64.43 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 432 Credit Services companies, Upstart Holdings ranks better than 65.97% on this metric.
Upstart Holdings's EPS (Basic) for the
three
months ended in Mar. 2026 was $-0.07.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 was $0.51.
During the past 3 years, the average EPS without NRIGrowth Rate was 22.20% per year.
During the past 9 years, Upstart Holdings's highest 3-Year average EPS without NRI Growth Rate was 61.30% per year. The lowest was 22.20% per year. And the median was 41.75% per year.
Upstart Holdings (NAS:UPST) Earnings per Share (Diluted) Explanation
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 EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Upstart Holdings Earnings per Share (Diluted) Related Terms
Upstart Holdings Earnings per Share (Diluted) Historical Data
* Premium members only.
The historical data trend for Upstart Holdings's Earnings per Share (Diluted) can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Upstart Holdings Earnings per Share (Diluted) Chart
UPST vs WU, AGM.A, ECPG: Earnings per Share (Diluted) Comparison
For the Credit Services subindustry, Upstart Holdings's PE Ratio, along with its competitors' market caps and PE Ratio 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 PE Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Upstart Holdings's PE Ratio distribution charts can be found below:
* The bar in red indicates where Upstart Holdings's PE Ratio falls into.
Upstart Holdings Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
Upstart Holdings's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.38
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $0.38 mean?
Upstart Holdings (UPST) has a Earnings per Share (Diluted) of $0.38 as of Mar. 2026. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Upstart Holdings and its competitors. 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' Earnings per Share (Diluted) too high?
Upstart Holdings' current Earnings per Share (Diluted) is $0.38. The Credit Services industry median Earnings per Share (Diluted) is 11.40. Upstart Holdings' value of $0.38 is 96.7% below 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 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Upstart Holdings' Earnings per Share (Diluted) compare to WU and AGM.A?
According to the Credit Services industry distribution chart, Upstart Holdings ranks #147 out of 432 companies for Earnings per Share (Diluted). This puts Upstart Holdings in the upper half of its industry. The industry median Earnings per Share (Diluted) is 11.40. Upstart Holdings' value of $0.38 is 96.7% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Credit Services company?
The median Earnings per Share (Diluted) among Credit Services companies is 11.40, based on 432 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Upstart Holdings's current Earnings per Share (Diluted) of $0.38 is 96.7% below 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 Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Upstart Holdings and its competitors. For the Credit Services industry, the median Earnings per Share (Diluted) is 11.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Upstart Holdings's current Earnings per Share (Diluted) is $0.38. 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?
Based on GuruFocus' analysis, Upstart Holdings (UPST) is currently considered Possible Value Trap. The stock's GF Value™ is $64.43, compared to a current price of $30.73 — trading 52.3% below its estimated fair value. The current Earnings per Share (Diluted) is $0.38 and 96.7% below 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 Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Upstart Holdings (UPST), the current Earnings per Share (Diluted) is $0.38 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 (UPST) Overvalued in 2026?
Based on GuruFocus' analysis, Upstart Holdings stock appears to be undervalued.
The current stock price of $30.73 is trading 52.3% below its estimated GF Value™ of $64.43.
GuruFocus considers Upstart Holdings to be Possible Value Trap.
Key valuation signals for UPST:
Earnings per Share (Diluted): $0.38
GF Value™: $64.43 vs. price of $30.73 (52.3% below fair value)
Industry Position: 96.7% below the Credit Services median (#147 of 432)
No single metric tells the full story. See the 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
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