Valuation: Upstart Holdings, Inc.

Market Cap 2.64B 2.32B 2.16B 1.98B 3.72B 256B 3.79B 25.8B 10.06B 125B 9.91B 9.7B 433B P/E 2026 *
29.3x
P/E 2027 * 14.3x
Enterprise Value 3.88B 3.41B 3.17B 2.92B 5.47B 376B 5.57B 37.93B 14.79B 183B 14.57B 14.26B 636B EV / Sales 2026 *
2.73x
EV / Sales 2027 * 1.95x
Free-Float
86.99%
Yield 2026 *
-
Yield 2027 * -

Last Transcript: Upstart Holdings, Inc.

1 day+0.76%
1 week-5.66%
Current month-21.42%
1 month-14.73%
3 months-16.87%
6 months-39.37%
Current year-36.34%
1 week 26.93
Extreme 26.93
29.92
1 month 26.93
Extreme 26.93
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.($)
+0.76%-5.66%-66.34%-48.10% 2.64B
-0.20%-4.27%+13.83%+47.55% 13.39B
+0.34%+0.61%+22.01%+18.11% 10.33B
+0.15%-7.54%+15.24%+8.20% 6.2B
+1.23%+3.46%+10.23%+59.85% 5.62B
+0.17%-4.04%-25.88%-19.03% 1.63B
+4.84%-3.90%+88.89%+135.95% 1.45B
-0.47%-4.52%+4.98%-34.88% 771M
-1.11%-2.73%-20.89%-25.21% 652M
-1.93%+4.54%+7.21%+34.59% 589M
Average +0.38%-2.61%+4.93%+17.70% 4.33B
Weighted average by Cap. +0.37%-3.87%+10.87%+28.35%

Financials

2026 *2027 *
Net sales 1.42B 1.25B 1.16B 1.07B 2.01B 138B 2.04B 13.91B 5.43B 67.27B 5.35B 5.23B 233B 1.86B 1.64B 1.52B 1.4B 2.63B 180B 2.67B 18.2B 7.1B 88.01B 6.99B 6.84B 305B
Net income 107M 94.45M 87.75M 80.7M 151M 10.4B 154M 1.05B 409M 5.07B 403M 394M 17.6B 229M 201M 187M 172M 323M 22.17B 328M 2.24B 872M 10.81B 859M 841M 37.51B
Net Debt 1.24B 1.09B 1.01B 933M 1.75B 120B 1.78B 12.12B 4.73B 58.62B 4.66B 4.56B 203B 998M 878M 815M 750M 1.41B 96.64B 1.43B 9.75B 3.8B 47.14B 3.75B 3.67B 164B
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
24/07/26 $27.94 +1.27% 239,494
23/07/26 $27.59 -3.67% 3,388,195
22/07/26 $28.64 -2.15% 2,537,038
21/07/26 $29.27 +1.56% 2,665,364
20/07/26 $28.82 -2.34% 2,748,952
Trader
Investor
Global
Quality
ESG MSCI
BB
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
15
Last Close Price
27.59USD
Average target price
39.80USD
Spread / Average Target
+44.26%

Quarterly revenue - Rate of surprise

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