Valuation: Upstart Holdings, Inc.

Market Cap 2.55B 2.21B 2.05B 1.89B 3.57B 243B 3.63B 24.31B 9.52B 121B 9.56B 9.35B 406B P/E 2026 *
28.7x
P/E 2027 * 14.1x
Enterprise Value 3.79B 3.29B 3.05B 2.82B 5.31B 362B 5.4B 36.16B 14.16B 180B 14.22B 13.91B 604B EV / Sales 2026 *
2.66x
EV / Sales 2027 * 1.9x
Free-Float
86.99%
Yield 2026 *
-
Yield 2027 * -

Last Transcript: Upstart Holdings, Inc.

1 day+0.41%
1 week-1.99%
Current month-23.68%
1 month-23.68%
3 months-14.38%
6 months-31.11%
Current year-38.17%
1 week 25.89
Extreme 25.89
28.44
1 month 25.89
Extreme 25.89
36.87
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.($)
+1.65%-1.99%-67.55%-58.51% 2.55B
+1.23%-1.11%+13.64%+45.18% 12.94B
+3.72%+3.45%+24.35%+23.84% 10.32B
-0.19%-6.23%+10.13%+1.42% 5.82B
+0.61%+0.92%+12.35%+49.54% 5.57B
-2.74%+1.41%-14.84%-23.73% 1.75B
+1.84%+10.91%+114.03%+164.99% 1.57B
+0.95%0.00%+6.00%-31.61% 773M
0.00%0.00%-21.74%-24.37% 644M
+1.36%+3.23%+22.74%+39.15% 600M
Average +0.72%-0.79%+9.91%+18.59% 4.25B
Weighted average by Cap. +1.35%-3.19%+12.73%+27.44%

Financials

2026 *2027 *
Net sales 1.42B 1.24B 1.15B 1.06B 2B 136B 2.03B 13.6B 5.32B 67.53B 5.35B 5.23B 227B 1.86B 1.62B 1.5B 1.39B 2.61B 178B 2.66B 17.79B 6.97B 88.35B 7B 6.84B 297B
Net income 107M 93.28M 86.62M 79.89M 150M 10.25B 153M 1.03B 402M 5.09B 403M 394M 17.12B 229M 199M 185M 170M 321M 21.85B 327M 2.19B 856M 10.85B 860M 841M 36.5B
Net Debt 1.24B 1.08B 1B 923M 1.74B 118B 1.77B 11.85B 4.64B 58.84B 4.66B 4.56B 198B 998M 867M 805M 742M 1.4B 95.27B 1.42B 9.53B 3.73B 47.32B 3.75B 3.67B 159B
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
30/07/26 $27.04 +1.65% 4,073,631
29/07/26 $26.60 -4.39% 5,099,986
28/07/26 $27.82 +1.20% 3,648,281
27/07/26 $27.49 +2.08% 3,115,398
24/07/26 $26.93 -2.39% 3,884,056
Trader
Investor
Global
Quality
ESG MSCI
BB
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
15
Last Close Price
27.03USD
Average target price
39.80USD
Spread / Average Target
+47.24%

Quarterly revenue - Rate of surprise

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