Valuation: Upstart Holdings, Inc.

Market Cap 2.82B 2.45B 2.28B 2.09B 3.96B 268B 4.01B 26.89B 10.51B 134B 10.58B 10.35B 444B P/E 2026 *
31.2x
P/E 2027 * 15.3x
Enterprise Value 4.06B 3.52B 3.29B 3.02B 5.71B 386B 5.77B 38.73B 15.14B 193B 15.24B 14.9B 639B EV / Sales 2026 *
2.85x
EV / Sales 2027 * 2.05x
Free-Float
87.01%
Yield 2026 *
-
Yield 2027 * -

Last Transcript: Upstart Holdings, Inc.

1 day+4.04%
1 week+10.06%
Current month+11.59%
1 month-10.81%
3 months-4.55%
6 months-19.25%
Current year-29.98%
1 week 25.89
Extreme 25.89
30.69
1 month 25.89
Extreme 25.89
35.72
Current year 23.96
Extreme 23.965
52.1
1 year 23.96
Extreme 23.965
85.31
3 years 19.84
Extreme 19.84
96.43
5 years 11.93
Extreme 11.93
401.49
10 years 11.93
Extreme 11.93
401.49
Manager TitleAgeSince
Chief Executive Officer 35 01/05/2026
Director of Finance/CFO 38 16/03/2026
Director of Finance/CFO 52 01/12/2016
Director TitleAgeSince
Director/Board Member 35 01/04/2015
Chairman 60 01/12/2013
Director/Board Member 67 01/12/2019
Date Insider Type Main position Quantity % Market Cap.
5/29/26 A Free

Director

6,476 0.0068%
5/15/26 A Sell

Chairperson

-1,817 0.0019%
5/7/26 A Fiscal year

Founder

1,670,150 1.7451%
Change 5-day change 1-year change 3-year change Capi.($)
+4.11%+10.06%-63.03%-49.58% 2.82B
+2.01%+2.06%+20.25%+53.86% 13.27B
-1.52%+0.43%+22.16%+28.08% 10.65B
+1.53%+4.45%+30.17%+17.08% 5.99B
-2.33%-3.97%+8.82%+38.24% 5.52B
-1.21%+0.83%-8.94%-25.86% 1.71B
+3.53%+6.76%+128.70%+194.95% 1.63B
-0.93%+0.95%+7.89%-30.26% 791M
0.00%+0.84%-21.74%-24.37% 655M
-0.03%+2.48%+19.73%+42.91% 607M
Average +0.51%+2.16%+14.40%+24.51% 4.36B
Weighted average by Cap. +0.50%+1.57%+17.31%+33.18%

Financials

2026 *2027 *
Net sales 1.42B 1.24B 1.15B 1.06B 2B 135B 2.03B 13.59B 5.31B 67.72B 5.35B 5.23B 224B 1.86B 1.62B 1.51B 1.39B 2.62B 177B 2.65B 17.78B 6.95B 88.6B 7B 6.84B 294B
Net income 107M 93.25M 86.94M 79.87M 151M 10.22B 153M 1.03B 401M 5.11B 403M 394M 16.92B 229M 199M 185M 170M 322M 21.77B 325M 2.18B 854M 10.88B 860M 841M 36.06B
Net Debt 1.24B 1.08B 1B 923M 1.75B 118B 1.76B 11.84B 4.63B 59.01B 4.66B 4.56B 196B 998M 866M 808M 742M 1.4B 94.92B 1.42B 9.52B 3.72B 47.45B 3.75B 3.67B 157B
Logo Upstart Holdings, Inc.
Upstart Holdings, Inc. is an artificial intelligence (AI) lending marketplace. The Company’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit (HELOCs), and small dollar loans. It applies artificial intelligence models and cloud applications to the process of underwriting consumer credit. Its AI marketplace connects consumers with its lending partner. Its consumers can access Upstart-powered loans via Upstart.com, through a lender-branded product on its lending partners’ own websites, and through auto dealerships that use its Upstart Auto Retail software. Its platform enables lenders provide a product their customers want, rather than letting customers seek loans from competitors. Its cloud-based software platform incorporates technologies and software development approaches to allow for development of new features, such as cloud-native technologies, data integrity and security, and configurable multi-tenant architecture, and others.
Employees
1,405
Date Price Change Volume
04/08/26 $30.61 +4.01% 2,172,580
03/08/26 $29.43 +7.25% 4,784,911
31/07/26 $27.44 +1.48% 3,319,324
30/07/26 $27.04 +1.65% 4,077,275
29/07/26 $26.60 -4.39% 5,099,986
Trader
Investor
Global
Quality
ESG MSCI
BB
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
15
Last Close Price
29.43USD
Average target price
39.80USD
Spread / Average Target
+35.24%

Quarterly revenue - Rate of surprise

  1. Stock Market
  2. Stocks
  3. UPST Stock