Valuation: Upstart Holdings, Inc.

Market Cap 2.82B 2.45B 2.29B 2.1B 3.96B 268B 4.03B 26.95B 10.55B 134B 10.58B 10.35B 442B P/E 2026 *
31.2x
P/E 2027 * 15.3x
Enterprise Value 4.06B 3.53B 3.29B 3.02B 5.7B 387B 5.8B 38.82B 15.2B 193B 15.24B 14.9B 636B EV / Sales 2026 *
2.85x
EV / Sales 2027 * 2.05x
Free-Float
87.01%
Yield 2026 *
-
Yield 2027 * -

Last Transcript: Upstart Holdings, Inc.

1 day+7.25%
1 week+7.06%
Current month+7.25%
1 month-15.38%
3 months-10.11%
6 months-23.72%
Current year-32.70%
1 week 25.89
Extreme 25.89
29.68
1 month 25.89
Extreme 25.89
35.72
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.($)
+7.25%+7.06%-62.85%-56.85% 2.82B
+1.71%+0.89%+19.01%+53.93% 13.27B
+1.55%+1.90%+27.68%+25.71% 10.65B
+0.71%+3.66%+28.04%+16.91% 5.99B
-1.53%-1.68%+11.42%+41.54% 5.52B
-0.01%-1.75%-8.84%-25.46% 1.71B
+2.44%+3.70%+125.03%+184.29% 1.63B
+1.90%+1.90%+8.91%-29.61% 791M
0.00%-1.10%-21.74%-24.37% 655M
-1.22%+3.92%+17.98%+45.08% 607M
Average +1.28%+2.71%+14.46%+23.12% 4.36B
Weighted average by Cap. +1.38%+2.05%+18.19%+32.21%

Financials

2026 *2027 *
Net sales 1.42B 1.24B 1.16B 1.06B 2B 136B 2.04B 13.63B 5.34B 67.69B 5.35B 5.23B 223B 1.86B 1.62B 1.51B 1.39B 2.62B 178B 2.66B 17.83B 6.98B 88.56B 7B 6.84B 292B
Net income 107M 93.34M 87.14M 80M 151M 10.24B 153M 1.03B 402M 5.1B 403M 394M 16.84B 229M 199M 186M 170M 321M 21.82B 327M 2.19B 858M 10.88B 860M 841M 35.89B
Net Debt 1.24B 1.08B 1.01B 924M 1.74B 118B 1.77B 11.87B 4.65B 58.99B 4.66B 4.56B 195B 998M 867M 810M 743M 1.4B 95.12B 1.43B 9.55B 3.74B 47.43B 3.75B 3.67B 156B
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
03/08/26 $29.43 +7.25% 4,784,911
31/07/26 $27.44 +1.48% 3,319,324
30/07/26 $27.04 +1.65% 4,077,275
29/07/26 $26.60 -4.39% 5,099,986
28/07/26 $27.82 +1.20% 3,648,281
Trader
Investor
Global
Quality
ESG MSCI
BB
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
15
Last Close Price
29.43USD
Average target price
39.80USD
Spread / Average Target
+35.24%

Quarterly revenue - Rate of surprise

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