Valuation : Upstart Holdings, Inc.

Market Cap 2.73B 2.35B 2.21B 2.02B 3.78B 258B 3.79B 26.11B 10.13B 132B 10.25B 10.03B 426B P/E 2026 *
38.5x
P/E 2027 * 14.9x
Enterprise Value 4.1B 3.53B 3.32B 3.03B 5.67B 387B 5.69B 39.24B 15.23B 199B 15.4B 15.07B 640B EV / Sales 2026 *
2.89x
EV / Sales 2027 * 2.01x
Free-Float
87.25%
Yield 2026 *
-
Yield 2027 * -
1 day-1.65%
1 week-3.54%
Current month-2.20%
1 month-7.49%
3 months-13.08%
6 months-1.09%
Current year-35.86%
1 week 27.14
Extreme 27.1416
29.04
1 month 27.14
Extreme 27.1416
31.8
Current year 23.96
Extreme 23.965
52.1
1 year 23.96
Extreme 23.965
71.38
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. Importance
8/25/26 A Sell

Controller/Auditor

-913 0.0010%
8/20/26 A Sell

General Counsel

-7,696 0.0080%
8/20/26 A Sell

Controller/Auditor

-586 0.0006%
Change 5-day change 1-year change 3-year change Capi.($)
-1.65%-3.54%-57.42%-14.87% 2.73B
+0.32%+3.67%+5.20%+51.11% 13.17B
-0.81%+0.36%+19.61%+18.97% 10.08B
+0.52%+1.65%+16.13%+21.27% 6.28B
-1.03%+3.06%+20.57%+45.89% 5.81B
-2.16%-2.75%-0.68%-29.41% 1.64B
-3.70%+2.25%+35.44%+169.08% 1.41B
+0.77%-2.96%-12.05%-42.57% 739M
0.00%-0.53%-19.13%-21.85% 697M
+3.42%+7.42%+44.85%+65.26% 693M
Average -0.43%+0.91%+5.25%+26.29% 4.32B
Weighted average by Cap. -0.39%+1.67%+8.97%+32.68%

Financials

2026 *2027 *
Net sales 1.42B 1.22B 1.15B 1.05B 1.96B 134B 1.97B 13.58B 5.27B 68.75B 5.33B 5.21B 221B 1.86B 1.6B 1.51B 1.38B 2.57B 176B 2.58B 17.8B 6.91B 90.14B 6.99B 6.84B 290B
Net income 80.83M 69.56M 65.44M 59.78M 112M 7.63B 112M 773M 300M 3.92B 304M 297M 12.61B 221M 190M 179M 163M 306M 20.87B 307M 2.11B 821M 10.71B 830M 812M 34.49B
Net Debt 1.37B 1.18B 1.11B 1.01B 1.9B 130B 1.9B 13.12B 5.09B 66.46B 5.15B 5.04B 214B 1B 864M 813M 742M 1.39B 94.78B 1.39B 9.6B 3.73B 48.63B 3.77B 3.69B 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
04/09/26 $28.05 -1.65% 2,913,107
03/09/26 $28.52 +1.24% 3,436,037
02/09/26 $28.17 +2.85% 3,071,055
01/09/26 $27.39 -4.50% 5,309,002
31/08/26 $28.68 -1.38% 4,036,388
Trader
Investor
Global
Quality
ESG MSCI
BB
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
14
Last Close Price
28.05USD
Average target price
40.40USD
Spread / Average Target
+44.03%

Quarterly revenue - Rate of surprise

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