Valuation: Upstart Holdings, Inc.

Market Cap 2.66B 2.34B 2.18B 2B 3.75B 254B 3.82B 25.82B 10.1B 126B 10B 9.78B 436B P/E 2026 *
29.5x
P/E 2027 * 14.5x
Enterprise Value 3.9B 3.43B 3.19B 2.93B 5.5B 373B 5.59B 37.85B 14.81B 185B 14.66B 14.34B 639B EV / Sales 2026 *
2.74x
EV / Sales 2027 * 1.96x
Free-Float
86.99%
Yield 2026 *
-
Yield 2027 * -

Last Transcript: Upstart Holdings, Inc.

1 day+1.20%
1 week-4.95%
Current month-21.48%
1 month-17.35%
3 months-15.34%
6 months-35.55%
Current year-36.38%
1 week 26.25
Extreme 26.25
28.45
1 month 26.25
Extreme 26.25
36.9
Current year 23.96
Extreme 23.965
52.1
1 year 23.96
Extreme 23.965
87.3
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.
6/9/26 A Sell

Chairperson

-15,000 0.0157%
5/29/26 A Free

Director

6,476 0.0068%
5/29/26 A Free

Director

6,476 0.0068%
Change 5-day change 1-year change 3-year change Capi.($)
+1.20%-4.95%-66.20%-57.32% 2.63B
+0.98%-0.72%+13.63%+47.28% 13.16B
-0.09%-1.03%+21.83%+19.50% 10.33B
+1.05%-9.69%+8.39%+1.94% 5.78B
-1.83%-1.98%+8.61%+46.80% 5.6B
+3.90%-0.55%-16.24%-22.59% 1.66B
+0.60%+8.77%+108.27%+161.92% 1.58B
+0.96%-1.41%+6.06%-32.26% 772M
-1.10%+1.12%-21.05%-24.37% 649M
+1.38%+2.59%+18.86%+34.15% 582M
Average +0.70%-1.25%+8.22%+17.51% 4.27B
Weighted average by Cap. +0.45%-2.14%+11.06%+26.74%

Financials

2026 *2027 *
Net sales 1.42B 1.25B 1.16B 1.07B 2.01B 136B 2.04B 13.81B 5.4B 67.48B 5.35B 5.23B 233B 1.86B 1.64B 1.52B 1.4B 2.63B 178B 2.67B 18.06B 7.07B 88.28B 6.99B 6.84B 305B
Net income 107M 94.25M 87.77M 80.72M 151M 10.26B 154M 1.04B 408M 5.09B 403M 394M 17.58B 229M 201M 187M 172M 323M 21.87B 328M 2.22B 869M 10.84B 859M 841M 37.47B
Net Debt 1.24B 1.09B 1.01B 933M 1.75B 119B 1.78B 12.03B 4.71B 58.8B 4.66B 4.56B 203B 998M 876M 816M 750M 1.41B 95.34B 1.43B 9.68B 3.79B 47.28B 3.75B 3.67B 163B
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
28/07/26 $27.82 +1.20% 3,644,897
27/07/26 $27.49 +2.08% 3,115,398
24/07/26 $26.93 -2.39% 3,884,056
23/07/26 $27.59 -3.67% 3,388,195
22/07/26 $28.64 -2.15% 2,537,038
Trader
Investor
Global
Quality
ESG MSCI
BB
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
15
Last Close Price
27.82USD
Average target price
39.80USD
Spread / Average Target
+43.06%

Quarterly revenue - Rate of surprise

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