Basis: FMP quote price / unrounded FMP forward EPS in the trading currency, available after its recorded retrieval time. Source: stored company filings and market data; unavailable inputs remain N/A.
The forward PE ratio is 35.32 as of 2026-10-06T19:43:39.597Z.
Consensus retrieved: 2026-10-06T17:40:22.248Z. This records retrieval, including cache reads, rather than vendor publication. The calculation uses the separately dated price and estimate available at its as-of time.
Calculation as of: 2026-10-06T19:43:39.597Z.
Quote observation: 2026-10-06T19:40:13.000Z. Amounts in USD. The price header may show a later quote.
FMP input reference: 3f1aed5a2154facfa6b3919ed69a544a1a16e65029066c7062b1cb0184c8eb93
Forward PE Ratio (35.32) = Dated Quote Price ($23.94) / Consensus Forward EPS ($0.68)
FORWARD PE RATIO
35.32
SECTOR MEDIAN · FINANCIAL SERVICES
11.14
median of 402 covered companies
CURRENT VS SECTOR MEDIAN
+216.91%
vs the sector median at left
Upstart Holdings, Inc.
Market Cap
$2.29B
Forward PE Ratio
35.32
| NAME | MARKET CAP | FORWARD PE RATIO |
|---|---|---|
| Upstart Holdings, Inc. (UPST) | $2.29B | 35.32 |
| Merchants Bancorp (MBIN)vs › | $2.28B | 8.92 |
| Banner Corporation (BANR)vs › | $2.28B | 11.27 |
| Stock Yards Bancorp, Inc. (SYBT)vs › | $2.28B | 14.83 |
| Skyward Specialty Insurance Group, Inc. (SKWD)vs › | $2.27B | 11.13 |
| Brighthouse Financial, Inc. (BHFAP)vs › | $2.25B | N/A |
| Nuveen Quality Municipal Income Fund (NAD)vs › | $2.37B | N/A |
| eToro Group Ltd. (ETOR)vs › | $2.21B | 10.58 |
| WaFd, Inc. (WAFD)vs › | $2.21B | 8.50 |
| Ethos Technologies Inc. (LIFE)vs › | $2.21B | N/A |
Trailing P/E
46.8
reported TTM EPS
Forward P/E
35.3
consensus EPS · fiscal year ending 2026-12-31
The gap between the two multiples is the consensus growth expectation: analysts' forward EPS of $0.68 implies +33.3% EPS growth vs the reported trailing $0.51.
At the dated quote price of $23.94, each upcoming fiscal year's consensus EPS implies a different multiple — how quickly the price is "paid down" by expected earnings if the estimates hold.
| Fiscal year end | Consensus EPS | Estimate range | Analysts | Implied P/E |
|---|---|---|---|---|
| 2026-12-31 | $0.68 | $0.61 – $0.73 | 7 | 35.3x |
| 2027-12-31 | $1.93 | $1.80 – $2.14 | 8 | 12.4x |
| 2028-12-31 | $3.52 | $3.13 – $4.14 | 4 | 6.8x |
Source: FMP analyst consensus estimates, refreshed with the daily precompute. "n/m" = the consensus EPS is not positive, so a multiple is undefined. There is no forward P/E history chart here because charting one would require the estimates as they stood in the past, which we do not store — see the trailing P/E history for how the realized multiple has moved.
PE Ratio = Share Price / Diluted EPS (TTM)
The price-to-earnings ratio measures how much investors pay for each dollar of trailing earnings. A lower PE can indicate a cheaper valuation; a higher PE implies higher growth expectations.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
