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During the past 12 months, Upstart Holdings's average Revenue per Share Growth Rate was 29.80% per year.
During the past 3 years, the average Revenue per Share Growth Rate was -2.00% per year.
During the past 5 years, the average Revenue per Share Growth Rate was -7.30% per year.
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 Revenue per Share growth rate.
During the past 9 years, the highest 3-Year average Revenue per Share Growth Rate of Upstart Holdings was 153.50% per year. The lowest was -21.80% per year. And the median was -2.90% per year.
Revenue per Share is the amount of Revenue per outstanding share of the company's stock.
Revenue is income that a company receives from its normal business activities, usually from the sale of goods and services to customers. Revenue is often referred to as the "top line" due to its position on the income statement at the very top. Revenue per share growth rate is used in calculating Predictability Rank, companies with more consistent revenue and earnings growth are ranked high with predictability.
Upstart Holdings 3-Year Revenue Growth Rate Related Terms
XSWX:UPST vs AGM.A, WU, ECPG: 3-Year Revenue Growth Rate Comparison
For the Credit Services subindustry, Upstart Holdings's 3-Year Revenue Growth Rate, along with its competitors' market caps and 3-Year Revenue 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 3-Year Revenue Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Upstart Holdings's 3-Year Revenue Growth Rate distribution charts can be found below:
* The bar in red indicates where Upstart Holdings's 3-Year Revenue Growth Rate falls into.
This is the 3-year average growth rate of Revenue per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
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 Revenue per Share growth rate.
What does a 3-Year Revenue Growth Rate of -2.00% mean?
Upstart Holdings (XSWX:UPST) has a 3-Year Revenue Growth Rate of -2.00% as of Jun. 2026. 3-Year Revenue Growth Rate is the 3-year average growth rate of Revenue per share. View historical data for Upstart Holdings and its competitors. According to the industry distribution chart, Upstart Holdings ranks #373 out of 511 companies in the Credit Services industry, placing it in the top 73%.
Is Upstart Holdings' 3-Year Revenue Growth Rate too high?
Upstart Holdings' current 3-Year Revenue Growth Rate is -2.00%. Based on the distribution chart, Upstart Holdings ranks #373 out of 511 companies in the Credit Services industry, which is below the industry midpoint. Overall, Upstart Holdings has a GF Score™ of 59/100, reflecting its overall financial health beyond just this single metric.
How does Upstart Holdings' 3-Year Revenue Growth Rate compare to AGM.A and WU?
According to the Credit Services industry distribution chart, Upstart Holdings ranks #373 out of 511 companies for 3-Year Revenue Growth Rate. This places Upstart Holdings in the lower half of its industry. The industry median 3-Year Revenue Growth Rate is 9.20. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Revenue Growth Rate for a Credit Services company?
The median 3-Year Revenue Growth Rate among Credit Services companies is 9.20, based on 511 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Revenue Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Revenue Growth Rate 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 3-Year Revenue Growth Rate mean?
A high 3-Year Revenue Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Revenue Growth Rate is the 3-year average growth rate of Revenue per share. View historical data for Upstart Holdings and its competitors. For the Credit Services industry, the median 3-Year Revenue Growth Rate is 9.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Upstart Holdings's current 3-Year Revenue Growth Rate is -2.00%. 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?
Upstart Holdings (XSWX:UPST) has a current 3-Year Revenue Growth Rate of -2.00%. 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 3-Year Revenue Growth Rate is -2.00%. 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 3-Year Revenue Growth Rate calculated?
3-Year Revenue Growth Rate is calculated from a company's financial statements. For Upstart Holdings (XSWX:UPST), the current 3-Year Revenue Growth Rate is -2.00% as of Jun. 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:
3-Year Revenue Growth Rate: -2.00%
GF Value™: CHF49.42 vs. price of CHF20.55 (58.4% below fair value)
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
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3-Year Revenue Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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