UPST PEER ANALYSIS

Upstart Holdings Inc — metric-by-metric comparison with peers and the industry median

UPSTUpstart Holdings Inc

🇺🇸 USA · NASDAQ · Financial Services · Credit Services

Value it Duel

Overall Profile & Returns

· Credit Services

Position Within Industry

0 = weak quartile, 100 = strong quartile

UPSTIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	UPST	ZIP	QNBFK	KTLEV	GSY	DSTKF	Ind. Median
P/E	64.85	37.96●	172.84	113.62	—	—	15.93
P/B	4.37	6.24	13.74	24.14	0.92●	89.80	2.03
EV/EBITDA	57.81	34.15	—	—	6.32●	—	15.71
P/S	—	—	—	—	—	—	—

Financial Health
Metric	UPST	ZIP	QNBFK	KTLEV	GSY	DSTKF	Ind. Median
Current Ratio	4.03	788.09●	—	—	—	—	1.20
Debt/Equity	269.8%	383.4%	0.0%●	0.0%●	599.1%	0.0%●	116.1%
NetDebt/EBITDA	14.24	11.13	—	—	5.42●	—	2.39

Profitability
Metric	UPST	ZIP	QNBFK	KTLEV	GSY	DSTKF	Ind. Median
Net Margin	4.2%	8.9%●	—	—	-15.8%	—	10.0%
ROE	7.0%	15.9%	8.9%	32.2%●	-27.7%	10.6%	13.4%
ROA	1.9%	2.9%●	—	—	-4.9%	—	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	UPST	ZIP	QNBFK	KTLEV	GSY	DSTKF	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	—	—	—	—	—	—	19.9%
Div. Yield	—	—	—	—	9.4%	—	1.2%
Payout	—	—	—	—	-33.6%	—	16.3%

Valuation
Metric	UPST	EZPW	AGM	BFH	WU	NNI	Ind. Median
P/E	64.85	20.16	13.08	7.88	5.71●	11.66	15.93
P/B	4.37	2.64	1.51	1.33	2.77	1.28●	2.03
EV/EBITDA	57.81	13.25	132.14	6.40	2.50●	15.71	15.71
P/S	—	—	—	—	—	—	—

Financial Health
Metric	UPST	EZPW	AGM	BFH	WU	NNI	Ind. Median
Current Ratio	4.03	4.71●	0.21	0.26	1.02	—	1.20
Debt/Equity	269.8%	71.3%●	2,010.0%	118.5%	288.1%	206.3%	116.1%
NetDebt/EBITDA	14.24	1.73	122.35	0.41	-0.34●	9.63	2.39

Profitability
Metric	UPST	EZPW	AGM	BFH	WU	NNI	Ind. Median
Net Margin	4.2%	9.9%	16.0%	11.9%	10.9%	19.5%●	10.0%
ROE	7.0%	14.9%	13.4%	17.6%	47.7%●	11.7%	13.4%
ROA	1.9%	7.4%●	0.6%	2.5%	5.4%	2.9%	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	UPST	EZPW	AGM	BFH	WU	NNI	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	—	63.7%	6.8%	100.4%	-51.8%	115.9%●	19.9%
Div. Yield	—	0.1%	3.0%	0.8%	12.0%●	0.9%	1.2%
Payout	—	2.4%	42.3%	7.8%	69.4%	10.7%	16.3%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 7, 26. This content is for informational purposes only and is not investment advice.