Valuation: Upstart Holdings, Inc.

Market Cap 2.95B 2.56B 2.39B 2.19B 4.15B 281B 4.2B 28.16B 11.01B 140B 11.08B 10.84B 465B P/E 2026 *
45.4x
P/E 2027 * 16.6x
Enterprise Value 4.19B 3.64B 3.39B 3.12B 5.9B 399B 5.96B 40.01B 15.64B 199B 15.74B 15.4B 660B EV / Sales 2026 *
2.94x
EV / Sales 2027 * 2.02x
Free-Float
87.01%
Yield 2026 *
-
Yield 2027 * -
1 day+4.59%
1 week+11.93%
Current month+11.54%
1 month-9.50%
3 months-4.20%
6 months-14.59%
Current year-32.20%
1 week 5.46
Extreme 5.46
6.41
1 month 5.46
Extreme 5.46
7.49
Current year 4.98
Extreme 4.985
10.48
1 year 4.98
Extreme 4.985
15.75
3 years 4.42
Extreme 4.42
19.2
5 years 4.2
Extreme 4.195
19.2
10 years 4.2
Extreme 4.195
19.2
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
Change 5-day change 1-year change 3-year change Capi.($)
+4.59%+11.93% - - 2.9B
-0.22%+4.31%+20.30%+52.90% 13.55B
-0.86%-0.35%+20.80%+33.06% 10.49B
+2.62%+8.31%+33.71%+20.79% 6.15B
+1.27%-0.93%+9.45%+40.00% 5.4B
+0.54%-2.42%-9.46%-25.97% 1.69B
+1.73%+7.43%+125.68%+192.01% 1.67B
-0.94%0.00%+6.60%-30.92% 787M
-0.56%-1.65%-22.17%-24.79% 658M
+0.62%+0.77%+23.09%+43.80% 614M
Average +0.86%+0.85%+23.11%+33.43% 4.56B
Weighted average by Cap. +0.59%+1.29%+23.17%+40.73%

Financials

2026 *2027 *
Net sales 1.43B 1.24B 1.15B 1.06B 2B 136B 2.03B 13.6B 5.32B 67.77B 5.35B 5.23B 225B 1.87B 1.62B 1.51B 1.39B 2.63B 178B 2.66B 17.83B 6.97B 88.82B 7.01B 6.86B 294B
Net income 65.4M 56.78M 52.94M 48.64M 91.98M 6.22B 92.99M 624M 244M 3.11B 246M 240M 10.3B 222M 193M 180M 165M 312M 21.1B 315M 2.12B 828M 10.55B 833M 815M 34.95B
Net Debt 1.24B 1.08B 1B 923M 1.75B 118B 1.76B 11.84B 4.63B 59.01B 4.66B 4.56B 196B 826M 717M 669M 614M 1.16B 78.56B 1.17B 7.88B 3.08B 39.27B 3.1B 3.03B 130B
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
04/08/26 $6.380 +4.59% 29
03/08/26 $6.100 +6.64% 523
31/07/26 $5.720 +1.78% 352
30/07/26 $5.620 +1.63% 506
29/07/26 $5.530 -2.98% 371
Trader
Investor
Global
Quality
ESG MSCI
-
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
15
Last Close Price
30.32USD
Average target price
40.47USD
Spread / Average Target
+33.47%

Quarterly revenue - Rate of surprise