Valuation: Upstart Holdings, Inc.

Market Cap 2.35B 2.09B 1.95B 1.77B 3.35B 227B 3.36B 23.45B 9.19B 116B 8.81B 8.61B 371B P/E 2026 *
34x
P/E 2027 * 12.7x
Enterprise Value 3.81B 3.4B 3.16B 2.88B 5.43B 368B 5.45B 38.06B 14.91B 188B 14.29B 13.98B 603B EV / Sales 2026 *
2.68x
EV / Sales 2027 * 1.95x
Free-Float
87.06%
Yield 2026 *
-
Yield 2027 * -
1 day-0.37%
1 week+5.66%
Current month+4.83%
1 month-5.82%
3 months-26.39%
6 months-11.59%
Current year-44.89%
1 week 23.4
Extreme 23.405
24.9
1 month 22.56
Extreme 22.555
26.61
Current year 22.56
Extreme 22.555
52.1
1 year 22.56
Extreme 22.555
55.22
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. Importance
9/10/26 Buy

Founder

50,000 0.0514%
9/8/26 Exercice

Chairperson

716,000 0.7358%
8/25/26 Sell

Controller/Auditor

-913 0.0010%
Change 5-day change 1-year change 3-year change Capi.($)
-0.37%+5.66%-50.39%-16.93% 2.35B
+0.33%+1.78%-2.56%+103.40% 208B
-0.07%+2.33%-1.60%+105.17% 122B
+0.42%+1.23%-6.24%+18.49% 61.68B
-2.38%-1.88%-29.96%+40.17% 32.51B
+1.56%+0.12%-13.45%+6.00% 28.66B
-1.25%+1.44%+7.03%+145.45% 23.69B
+2.28%-0.19%+41.45%+147.82% 22.88B
+1.22%+0.19%-39.67%+83.93% 20.41B
+1.72%+1.00%-30.35%-4.66% 14.64B
Average +0.35%+0.97%-12.57%+62.88% 53.72B
Weighted average by Cap. +0.23%+1.12%-5.08%+84.57%

Financials

2026 *2027 *
Net sales 1.42B 1.27B 1.18B 1.07B 2.02B 137B 2.03B 14.19B 5.56B 70.03B 5.33B 5.21B 225B 1.86B 1.66B 1.55B 1.41B 2.65B 180B 2.67B 18.6B 7.29B 91.79B 6.99B 6.83B 295B
Net income 74.59M 66.62M 61.97M 56.37M 106M 7.22B 107M 746M 292M 3.68B 280M 274M 11.81B 225M 201M 187M 170M 322M 21.82B 323M 2.25B 883M 11.12B 847M 828M 35.69B
Net Debt 1.46B 1.31B 1.21B 1.1B 2.09B 141B 2.09B 14.61B 5.73B 72.11B 5.49B 5.37B 231B 1.27B 1.14B 1.06B 962M 1.82B 123B 1.82B 12.73B 4.99B 62.81B 4.78B 4.68B 202B
Projected Income Statement - Annual - Upstart Holdings, Inc.
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
26-10-09 US$24.10 -0.37% 2,688,233
26-10-08 US$24.19 +0.71% 4,223,361
26-10-07 US$24.02 +0.67% 3,175,458
26-10-06 US$23.86 -2.01% 4,445,626
26-10-05 US$24.35 +6.75% 6,209,651
Trader
Investor
Global
Quality
ESG MSCI
BB
Ratings Surperformance© - Upstart Holdings, Inc.
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
16
Last Close Price
24.10USD
Average target price
40.00USD
Spread / Average Target
+65.98%

Quarterly revenue - Rate of surprise

Rate of surprise - Net sales - Quarterly - Upstart Holdings, Inc.
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