Upstart HoldingsFRA:855 +6.82%62 PEG Ratio is 5.26 as of Jun. 30, 2026, which is 80% below its 10-year median of 26.16. GuruFocus rates FRA:855 with a GF Score™ of 62/100 and a GF Value™ of €50.49 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 234 Credit Services companies, Upstart Holdings ranks worse than 85.9% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Upstart Holdings's PEG Ratio or its related term are showing as below:
FRA:855'
s PEG Ratio Range Over the Past 10 Years
Min: 5.13 Med: 26.16 Max: 41.88
Current: 5.13
During the past 9 years, Upstart Holdings's highest PEG Ratio was 41.88. The lowest was 5.13. And the median was 26.16.
FRA:855's PEG Ratio is ranked worse than 85.9% of 234
companies
in the Credit Services industry
Industry Median: 0.875
vs FRA:855: 5.13
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Upstart Holdings (FRA:855) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Upstart Holdings PEG Ratio Related Terms
Upstart Holdings PEG Ratio Historical Data
* Premium members only.
The historical data trend for Upstart Holdings's PEG 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.
For the Credit Services subindustry, Upstart Holdings's PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Upstart Holdings's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Upstart Holdings's PEG Ratio falls into.
* 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Upstart Holdings (FRA:855) has a PEG Ratio of 5.26 as of Jun. 30, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Upstart Holdings and its competitors. This is 80% below median its historical median of 26.16. Over the past decade, Upstart Holdings' PEG Ratio has ranged from 5.13 to 41.88. According to the industry distribution chart, Upstart Holdings ranks #201 out of 234 companies in the Credit Services industry, placing it in the top 85.9%.
Is Upstart Holdings' PEG Ratio too high?
Upstart Holdings' current PEG Ratio of 5.26 is 80% below median its 10-year median of 26.16. Over the past 10 years, this metric has ranged from a low of 5.13 to a high of 41.88. The Credit Services industry median PEG Ratio is 0.88. Upstart Holdings' value of 5.26 is 501.1% above this industry median. Based on the distribution chart, Upstart Holdings ranks #201 out of 234 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' PEG Ratio compare to WU and BFH?
According to the Credit Services industry distribution chart, Upstart Holdings ranks #201 out of 234 companies for PEG Ratio. This places Upstart Holdings in the lower half of its industry. The industry median PEG Ratio is 0.88. Upstart Holdings' value of 5.26 is 501.1% above this benchmark. Historically, Upstart Holdings' own PEG Ratio has ranged from 5.13 to 41.88 over the past decade. While the company's 10-year median is 26.16 vs. the industry median of 0.88, 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 PEG Ratio for a Credit Services company?
The median PEG Ratio among Credit Services companies is 0.88, based on 234 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Upstart Holdings's current PEG Ratio of 5.26 is 501.1% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Upstart Holdings and its competitors. For the Credit Services industry, the median PEG Ratio is 0.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Upstart Holdings's current PEG Ratio is 5.26, which is 80% below median its own 10-year median of 26.16. 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 €50.49, compared to a current price of €29.59 — trading 41.4% below its estimated fair value. The current PEG Ratio is 5.26, which is 80% below median its 10-year median of 26.16 and 501.1% above the Credit Services industry median of 0.88. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Upstart Holdings (FRA:855), the current PEG Ratio is 5.26 as of Jun. 30, 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 €29.59 is trading 41.4% below its estimated GF Value™ of €50.49.
GuruFocus considers Upstart Holdings to be Possible Value Trap.
Key valuation signals for FRA:855:
PEG Ratio: 5.26 (80% below median its 10-year median of 26.16)
GF Value™: €50.49 vs. price of €29.59 (41.4% below fair value)
Industry Position: 501.1% above the Credit Services median (#201 of 234)
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
Get the complete analysis for FRA:855
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