Valuation: Upstart Holdings, Inc.

Market Cap 3.22B 2.82B 2.6B 2.44B 4.57B 304B 4.67B 31.3B 12.11B 150B 12.1B 11.83B 521B P/E 2026 *
34.9x
P/E 2027 * 18.2x
Enterprise Value 4.46B 3.91B 3.61B 3.38B 6.33B 421B 6.46B 43.36B 16.78B 208B 16.76B 16.39B 722B EV / Sales 2026 *
3.15x
EV / Sales 2027 * 2.27x
Free-Float
86.99%
Yield 2026 *
-
Yield 2027 * -
1 day+2.09%
1 week+3.79%
Current month-0.38%
1 month+9.57%
3 months+35.89%
6 months-29.09%
Current year-23.03%
1 week 30.5
Extreme 30.5
33.99
1 month 29.14
Extreme 29.14
34.69
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 2026-04-30
Director of Finance/CFO 38 2026-03-15
Director of Finance/CFO 52 2016-11-30
Director TitleAgeSince
Director/Board Member 35 2015-03-31
Chairman 60 2013-11-30
Director/Board Member 67 2019-11-30
Date Insider Type Main position Quantity % Market Cap.
06-08Sell

Chairperson

-15,000 0.0157%
05-28Free

Director

6,476 0.0068%
05-28Free

Director

6,476 0.0068%
Change 5-day change 1-year change 3-year change Capi.($)
+2.09%+3.79%-46.93%+0.06% 3.22B
+1.84%+3.69%+21.23%+77.46% 14.46B
-0.87%-2.39%+23.49%+18.82% 10.24B
+0.83%+8.47%+25.11%+24.45% 6.58B
-0.51%-2.48%-1.99%+34.97% 5.02B
+1.98%+10.28%+106.14%+162.32% 1.67B
+0.65%-4.32%-34.65%-22.98% 1.56B
+0.26%+2.08%+3.97%-46.89% 728M
-0.27%-1.62%-19.11%-24.17% 653M
+0.37%-2.87%+5.65%+24.40% 564M
Average +0.64%+1.46%+8.29%+24.84% 4.47B
Weighted average by Cap. +0.71%+2.00%+14.95%+41.36%

Financials

2026 *2027 *
Net sales 1.42B 1.24B 1.14B 1.07B 2.01B 133B 2.05B 13.75B 5.32B 65.97B 5.31B 5.2B 229B 1.86B 1.63B 1.5B 1.4B 2.63B 175B 2.69B 18.03B 6.98B 86.55B 6.97B 6.82B 300B
Net income 109M 95.97M 88.46M 82.82M 155M 10.33B 159M 1.06B 411M 5.1B 411M 402M 17.69B 221M 194M 179M 167M 314M 20.85B 320M 2.15B 831M 10.3B 830M 812M 35.73B
Net Debt 1.24B 1.09B 1B 940M 1.76B 117B 1.8B 12.06B 4.67B 57.89B 4.66B 4.56B 201B 999M 876M 807M 756M 1.42B 94.21B 1.45B 9.7B 3.75B 46.56B 3.75B 3.67B 161B
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
26-06-26 US$33.66 +2.09% 6,060,830
26-06-25 US$32.97 +0.98% 3,910,409
26-06-24 US$32.65 +3.78% 4,795,586
26-06-23 US$31.46 +0.45% 3,325,199
26-06-22 US$31.32 -3.42% 3,460,083
Trader
Investor
Global
Quality
ESG MSCI
BB
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
15
Last Close Price
33.66USD
Average target price
40.13USD
Spread / Average Target
+19.23%

Quarterly revenue - Rate of surprise

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