## UPST PE Stream Chart Analysis As of the latest data point (mid-March 2026), UPST's monthly average price stands at approximately **$25.83**, which falls **below the lowest PE boundary of 24.9x** (whose upper price boundary is $13.92 at the current fiscal quarter). Wait — re-examining the data: the PE_stream_1 boundary at 24.9x has a score of **$13.92** for the latest period, and the monthly average price of **$25.83** is **above** PE_stream_1 ($13.92) but **below** PE_stream_2 ($51.23 at 91.8x). This places UPST firmly in the **Value zone**, trading between the 24.9x and 91.8x PE multiples, with the price well above the lowest boundary ($13.92) but comfortably beneath the second boundary ($51.23). This suggests the stock is in a relatively attractive valuation range compared to its historical PE bands, sitting closer to the lower end of the river chart spectrum rather than in overvalued or warning territory. From a historical perspective, UPST's valuation journey has been extraordinarily volatile. During 2021, the stock surged dramatically — by mid-to-late 2021, the monthly average price soared above **$291–$334**, breaching even the highest PE_stream_6 boundary (359.2x), placing it deep in **Warning** territory and reflecting extreme speculative enthusiasm. The PE stream boundaries themselves shifted significantly across fiscal quarters, reflecting dramatic swings in underlying earnings estimates. Through 2022, a severe de-rating occurred: prices collapsed from over $300 to below $20 by late 2022, ultimately falling **below PE_stream_1** into **Undervalued** territory — a stark reversal. The 2023–2024 period saw a modest recovery, with prices oscillating roughly between $15 and $72, generally hovering in the **Value to Fair** zone. A notable rebound in late 2024 pushed prices toward $67–$73, approaching the upper end of the Value zone. However, from early 2025 onward, prices have gradually retreated from a peak near $78 (mid-2025) back to the current ~$25.83, re-entering the lower Value zone. The overall PE river trend has been highly erratic — rising sharply, collapsing, and partially recovering — suggesting UPST's earnings profile remains **unstable**, which warrants caution for long-term investors relying solely on PE-based valuation frameworks.