Adjust assumptions
Adjust the usable peer mix to see how each valuation multiple moves the blended fair value.
Peer-implied fair value
$11.13
Blended value per share under the current mix.
Current price
—
Market price unavailable
Peer gap
N/A
Peer gap unavailable
Weighting mixer
Value contribution
4 peers →Price / Sales
$637.30M
Price / Earnings
$647.26M
Price / Sales
$1.27B
Price / Earnings
$1.29B
Equal-weight baseline
Premium 0.0%The simple average of every usable peer method, before your weighting adjustments.
Baseline equity value
$1.28B
Baseline / share
$11.13
Relative valuation prices this company against what the market already pays for its peers. For a cash-flow view that does not inherit peer sentiment, open the intrinsic model.
Spreadsheet data
Audit the saved peer set and the method inputs behind the blended fair value.
The saved peer set across price, scale, operating metrics, and raw valuation multiples.
| Peer | Price | Market cap | Enterprise value | Revenue | EBITDA | Net income | P/E | P/S | EV/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
UPST Upstart Holdings, Inc. FY ended Feb 03, 2026 | — |
Which peer averages feed the weighted fair value, and which methods are excluded.
| Method | Type | Avg. multiple | Coverage | Implied equity value | Fair value / share | Status |
|---|---|---|---|---|---|---|
| — |
| — |
| $1.04B |
| $112.92M |
| $53.60M |
| — |
| — |
| — |
SOFI SoFi Technologies, Inc. FY ended Jan 30, 2026 | — | — | — | $619.35M | $1.39B | $481.32M | — | — | — |
ENVA Enova International, Inc. FY ended Feb 12, 2026 | — | — | — | $3.15B | $782.14M | $308.39M | — | — | — |
OMF OneMain Holdings, Inc. FY ended Jan 27, 2026 | $62.59 | $7.23B | — | $5.46B | $2.25B | $783.00M | 9.54x | 1.33x | — |
UPST
Upstart Holdings, Inc.
—
—
—
$1.04B
$112.92M
—
—
—
Cap —EV —Rev $1.04BEBITDA $112.92MP/E —P/S —EV/EBITDA —
SOFI
SoFi Technologies, Inc.
—
—
—
$619.35M
$1.39B
—
—
—
Cap —EV —Rev $619.35MEBITDA $1.39BP/E —P/S —EV/EBITDA —
ENVA
Enova International, Inc.
—
—
—
$3.15B
$782.14M
—
—
—
Cap —EV —Rev $3.15BEBITDA $782.14MP/E —P/S —EV/EBITDA —
OMF
OneMain Holdings, Inc.
$62.59
$7.23B
—
$5.46B
$2.25B
9.54x
1.33x
—
Cap $7.23BEV —Rev $5.46BEBITDA $2.25BP/E 9.54xP/S 1.33xEV/EBITDA —
| Enterprise Multiple |
| — |
| 0/4 |
| — |
| — |
| No saved peers have usable coverage for this method. |
Price / Sales PSActive | Equity Multiple | 1.33x | 1/4 | $1.27B | $11.04 | Included in the active peer mix. |
Price / Earnings PEActive | Equity Multiple | 9.54x | 1/4 | $1.29B | $11.22 | Included in the active peer mix. |
EV / EBITDA
EV · Enterprise Multiple
Avg. multiple
—
Coverage
0/4
Implied equity value
—
Fair value / share
—
No saved peers have usable coverage for this method.
Price / Sales
PS · Equity Multiple
Avg. multiple
1.33x
Coverage
1/4
Implied equity value
$1.27B
Fair value / share
$11.04
Included in the active peer mix.
Price / Earnings
PE · Equity Multiple
Avg. multiple
9.54x
Coverage
1/4
Implied equity value
$1.29B
Fair value / share
$11.22
Included in the active peer mix.
