Upstart Holdings (HAM:855) 5-Year Yield-on-Cost %: 0.00 (As of Jul. 11, 2026)


HAM:855 Upstart Holdings Inc HAM:855
62 GF Score
Price €28.92
GF Value €52.41
Valuation Possible Value Trap
! 5 Warning Signs
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What is Upstart Holdings 5-Year Yield-on-Cost %?

Upstart Holdings HAM:855 +3.68% 62 5-Year Yield-on-Cost % is 0.00 as of Jul. 11, 2026. GuruFocus rates HAM:855 with a GF Score™ of 62/100 and a GF Value™ of €52.41 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 210 Credit Services companies, Upstart Holdings ranks worse than 476190% on this metric.

Upstart Holdings's yield on cost for the quarter that ended in Mar. 2026 was 0.00.


The historical rank and industry rank for Upstart Holdings's 5-Year Yield-on-Cost % or its related term are showing as below:



HAM:855's 5-Year Yield-on-Cost % is not ranked *
in the Credit Services industry.
Industry Median: 4.535
* Ranked among companies with meaningful 5-Year Yield-on-Cost % only.

Upstart Holdings  (HAM:855) 5-Year Yield-on-Cost % Explanation

Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.


Upstart Holdings 5-Year Yield-on-Cost % Related Terms


HAM:855 vs WU, BFH, AGM.A: 5-Year Yield-on-Cost % Comparison

For the Credit Services subindustry, Upstart Holdings's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Upstart Holdings's 5-Year Yield-on-Cost % distribution charts can be found below:

* The bar in red indicates where Upstart Holdings's 5-Year Yield-on-Cost % falls into.


HAM:855
62GF Score
Upstart Holdings Inc HAM:855
5-Year Yield-on-Cost % is just one metric. See GF Score™, valuation, warning signs, and more.
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Upstart Holdings 5-Year Yield-on-Cost % Calculation

Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.

Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.

Therefore, Yield-on-Cost of Upstart Holdings is calculated as

Yield-on-Cost=Dividend Yield %*(1+Dividend Growth Rate)^5
Frequently Asked Questions Learn more about 5-Year Yield-on-Cost % →
What does a 5-Year Yield-on-Cost % of 0.00 mean?
Upstart Holdings (HAM:855) has a 5-Year Yield-on-Cost % of 0.00 as of Jul. 11, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Upstart Holdings and its competitors. According to the industry distribution chart, Upstart Holdings ranks #999999 out of 210 companies in the Credit Services industry.
Is Upstart Holdings' 5-Year Yield-on-Cost % too high?
Upstart Holdings' current 5-Year Yield-on-Cost % is 0.00. Based on the distribution chart, Upstart Holdings ranks #999999 out of 210 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' 5-Year Yield-on-Cost % compare to WU and BFH?
According to the Credit Services industry distribution chart, Upstart Holdings ranks #999999 out of 210 companies for 5-Year Yield-on-Cost %. This places Upstart Holdings in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 4.54. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.54, based on 210 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Upstart Holdings and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Upstart Holdings's current 5-Year Yield-on-Cost % 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 (HAM:855) is currently considered Possible Value Trap. The stock's GF Value™ is €52.41, compared to a current price of €28.92 — trading 44.8% below its estimated fair value. The current 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Upstart Holdings (HAM:855), the current 5-Year Yield-on-Cost % is 0.00 as of Jul. 11, 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 (HAM:855) Overvalued in 2026?

Based on GuruFocus' analysis, Upstart Holdings stock appears to be undervalued. The current stock price of €28.92 is trading 44.8% below its estimated GF Value™ of €52.41. GuruFocus considers Upstart Holdings to be Possible Value Trap.

Key valuation signals for HAM:855:

  • 5-Year Yield-on-Cost %: 0.00
  • GF Value™: €52.41 vs. price of €28.92 (44.8% below fair value)
  • GF Score™: 62/100 with 5 warning signs

No single metric tells the full story. See the HAM:855 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Upstart Holdings Business Description

Address 2950 South Delaware Street, Suite 410, 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 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 HAM:855

5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€28.92
Price
€52.41
GF Value