Valuation: Upstart Holdings, Inc.

Market Cap 2.91B 2.52B 2.36B 2.15B 4.05B 277B 4.11B 27.77B 10.86B 139B 10.92B 10.68B 463B P/E 2026 *
42.8x
P/E 2027 * 16.3x
Enterprise Value 4.28B 3.71B 3.47B 3.17B 5.96B 408B 6.05B 40.87B 15.98B 204B 16.07B 15.72B 682B EV / Sales 2026 *
3.02x
EV / Sales 2027 * 2.1x
Free-Float
87.22%
Yield 2026 *
-
Yield 2027 * -
1 day-2.64%
1 week-4.01%
Current month+5.65%
1 month-7.85%
3 months+4.13%
6 months-3.97%
Current year-33.71%
1 week 28.66
Extreme 28.66
31.12
1 month 25.89
Extreme 25.89
34.69
Current year 23.96
Extreme 23.965
52.1
1 year 23.96
Extreme 23.965
76.95
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.($)
-2.51%-4.01%-54.28%-16.74% 2.91B
+0.33%-1.62%+14.89%+55.53% 13.24B
-0.85%+1.30%+18.82%+32.50% 10.65B
+0.24%-3.51%+19.51%+15.85% 5.94B
+1.87%+4.13%+11.97%+46.21% 5.52B
+1.49%+1.77%-3.89%-31.56% 1.69B
+2.34%-14.03%+57.51%+167.29% 1.42B
-2.84%-3.30%-1.44%-35.53% 765M
0.00%0.00%-20.70%-24.05% 661M
+0.27%+0.16%+30.30%+41.38% 620M
Average +0.03%-1.96%+7.27%+25.09% 4.34B
Weighted average by Cap. +0.10%-1.07%+11.53%+35.67%

Financials

2026 *2027 *
Net sales 1.42B 1.23B 1.15B 1.05B 1.98B 135B 2.01B 13.55B 5.3B 67.78B 5.33B 5.21B 226B 1.86B 1.61B 1.51B 1.38B 2.59B 178B 2.63B 17.79B 6.95B 88.99B 7B 6.84B 297B
Net income 76.12M 65.95M 61.79M 56.36M 106M 7.26B 108M 727M 284M 3.64B 286M 280M 12.12B 215M 186M 174M 159M 299M 20.48B 304M 2.05B 802M 10.26B 806M 789M 34.2B
Net Debt 1.37B 1.19B 1.11B 1.02B 1.91B 131B 1.94B 13.1B 5.12B 65.52B 5.15B 5.04B 218B 1B 870M 815M 743M 1.4B 95.75B 1.42B 9.58B 3.75B 47.94B 3.77B 3.69B 160B
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
12/08/26 $29.02 -2.91% 2,968,333
11/08/26 $29.89 -1.06% 3,682,388
10/08/26 $30.21 -2.83% 3,698,298
07/08/26 $31.09 +4.64% 4,445,941
06/08/26 $29.71 -1.62% 5,041,219
Trader
Investor
Global
Quality
ESG MSCI
BB
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
15
Last Close Price
29.89USD
Average target price
40.60USD
Spread / Average Target
+35.83%

Quarterly revenue - Rate of surprise

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