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Upstart Holdings (Upstart Holdings) PB Ratio : 3.06 (As of May. 01, 2024)


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What is Upstart Holdings PB Ratio?

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2024-05-01), Upstart Holdings's share price is $22.52. Upstart Holdings's Book Value per Share for the quarter that ended in Dec. 2023 was $7.36. Hence, Upstart Holdings's PB Ratio of today is 3.06.

The historical rank and industry rank for Upstart Holdings's PB Ratio or its related term are showing as below:

UPST' s PB Ratio Range Over the Past 10 Years
Min: 1.5   Med: 4.44   Max: 44.22
Current: 3.06

During the past 7 years, Upstart Holdings's highest PB Ratio was 44.22. The lowest was 1.50. And the median was 4.44.

UPST's PB Ratio is ranked worse than
85.13% of 511 companies
in the Credit Services industry
Industry Median: 1.04 vs UPST: 3.06

During the past 12 months, Upstart Holdings's average Book Value Per Share Growth Rate was -11.10% per year. During the past 3 years, the average Book Value Per Share Growth Rate was 21.60% per year.

During the past 7 years, the highest 3-Year average Book Value Per Share Growth Rate of Upstart Holdings was 21.60% per year. The lowest was 21.60% per year. And the median was 21.60% per year.

Back to Basics: PB Ratio


Upstart Holdings PB Ratio Historical Data

The historical data trend for Upstart Holdings's PB Ratio 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.

* Premium members only.

Upstart Holdings PB Ratio Chart

Upstart Holdings Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
PB Ratio
Get a 7-Day Free Trial - 9.95 15.68 1.60 5.55

Upstart Holdings Quarterly Data
Dec17 Dec18 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.60 2.09 4.70 3.79 5.55

Competitive Comparison of Upstart Holdings's PB Ratio

For the Credit Services subindustry, Upstart Holdings's PB Ratio, along with its competitors' market caps and PB 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's PB Ratio Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Upstart Holdings's PB Ratio distribution charts can be found below:

* The bar in red indicates where Upstart Holdings's PB Ratio falls into.



Upstart Holdings PB Ratio Calculation

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.

Upstart Holdings's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Dec. 2023)
=22.52/7.359
=3.06

* 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.

It can also be calculated from the numbers for the whole company:

A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.


Upstart Holdings  (NAS:UPST) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.


Be Aware

Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.


Upstart Holdings PB Ratio Related Terms

Thank you for viewing the detailed overview of Upstart Holdings's PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Upstart Holdings (Upstart Holdings) Business Description

Traded in Other Exchanges
Address
2950 S. Delaware Street, Suite 300, San Mateo, CA, USA, 94403
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 revenue of the company comprised of fees paid by banks.
Executives
Sanjay Datta officer: Chief Financial Officer C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403
Scott Darling officer: Chief Legal Officer C/O STITCH FIX, INC., 1 MONTGOMERY STREET, SUITE 1500, SAN FRANCISCO CA 94104
Paul Gu director, officer: SVP, Product and Data Science C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403
Natalia Mirgorodskaya officer: Corporate Controller C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403
Dave Girouard director, 10 percent owner, officer: Chief Executive Officer C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403
Kerry Whorton Cooper director 77 BEALE ST., P.O. BOX 770000, SAN FRANCISCO CA 94177
Alison Nicoll officer: General Counsel C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403
Daniel S Loeb 10 percent owner, other: See Footnote (1) THIRD POINT LLC, 390 PARK AVENUE, NEW YORK NY 10022
Third Point Llc 10 percent owner 55 HUDSON YARDS, NEW YORK NY 10001
Cassidy Sukhinder Singh director C/O URBAN OUTFITTERS INC, 5000 SOUTH BROAD STREET, PHILADELPHIA PA 19112
Mary Hentges director C/O SHOTSPOTTER, INC., 7979 GATEWAY BLVD., STE. 210, NEWARK CA 94560
Terry Hilliard C. Iii director ONE SW COLUMBIA ST STE 1200, PORTLAND OR 97258
Anna M. Counselman officer: SVP, People and Operations C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403
Jeff Huber director 209 REDWOOD SHORES PARKWAY, REDWOOD CITY CA 94065
Robert S Schwartz director C/O THIRD POINT LLC, 390 PARK AVENUE, NEW YORK NY 10022