This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for Upstart Holdings's Median PS Value or its related term are showing as below:
FRA:855's Price-to-Median-PS-Value is not ranked *
in the Credit Services industry.
Industry Median: 0.9 * Ranked among companies with meaningful Price-to-Median-PS-Value only.
Upstart Holdings (FRA:855) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Upstart Holdings's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
28.25
/
0.00
=
* 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 Median PS Value Related Terms
Upstart Holdings Median PS Value Historical Data
* Premium members only.
The historical data trend for Upstart Holdings's Median PS Value 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.
FRA:855 vs BFH, WU, SEZL: Median PS Value Comparison
For the Credit Services subindustry, Upstart Holdings's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Upstart Holdings's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Upstart Holdings's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 0.
Upstart Holdings's Revenue per Share 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 €9.174.
* 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 (FRA:855) has a Median PS Value of €0.00 as of Jun. 26, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Upstart Holdings and its competitors. According to the industry distribution chart, Upstart Holdings ranks #999999 out of 288 companies in the Credit Services industry.
Is Upstart Holdings' Median PS Value too high?
Upstart Holdings' current Median PS Value is €0.00. Based on the distribution chart, Upstart Holdings ranks #999999 out of 288 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Upstart Holdings has a GF Score™ of 62/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Upstart Holdings' Median PS Value compare to BFH and WU?
According to the Credit Services industry distribution chart, Upstart Holdings ranks #999999 out of 288 companies for Median PS Value. This places Upstart Holdings in the lower half of its industry. The industry median Median PS Value is 0.90. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Median PS Value for a Credit Services company?
The median Median PS Value among Credit Services companies is 0.90, based on 288 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Upstart Holdings and its competitors. For the Credit Services industry, the median Median PS Value is 0.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Upstart Holdings's current Median PS Value is €0.00. 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 (FRA:855) is currently considered Possible Value Trap. The stock's GF Value™ is €51.32, compared to a current price of €28.25 — trading 45% below its estimated fair value. The current Median PS Value is €0.00. Upstart Holdings' overall GF Score™ is 62/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Upstart Holdings (FRA:855), the current Median PS Value is €0.00 as of Jun. 26, 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 (FRA:855) Overvalued in 2026?
Based on GuruFocus' analysis, Upstart Holdings stock appears to be undervalued.
The current stock price of €28.25 is trading 45% below its estimated GF Value™ of €51.32.
GuruFocus considers Upstart Holdings to be Possible Value Trap.
Key valuation signals for FRA:855:
Median PS Value: €0.00
GF Value™: €51.32 vs. price of €28.25 (45% below fair value)
No single metric tells the full story. See the FRA:855 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).
62GF Score
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