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UPST P/S Ratio

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As of Q4'25, UPST's Price-to-Sales (P/S) ratio stands at 3.66, marking a notable decrease from the previous quarter's 4.653. This latest data point reflects a continued downward adjustment from the elevated levels observed in mid-2024. Over the period from Q1'23 to Q4'25, the P/S ratio has exhibited significant volatility. After a moderate start in early 2023, the ratio surged sharply, peaking at 13.246 in Q3'24 before declining steadily through 2025. This pattern suggests periods of heightened investor optimism followed by normalization, with the most recent quarters indicating a return to lower, more historically consistent valuation levels.