Valuation: Upstart Holdings, Inc.

Market Cap 2.82B 2.48B 2.29B 2.1B 3.97B 272B 4.03B 27.36B 10.73B 133B 10.61B 10.37B 459B P/E 2026 *
31.3x
P/E 2027 * 15.3x
Enterprise Value 4.07B 3.56B 3.29B 3.03B 5.72B 392B 5.81B 39.39B 15.44B 192B 15.27B 14.94B 661B EV / Sales 2026 *
2.86x
EV / Sales 2027 * 2.05x
Free-Float
86.99%
Yield 2026 *
-
Yield 2027 * -

Last Transcript: Upstart Holdings, Inc.

1 day-1.29%
1 week-7.50%
Current month-17.87%
1 month-7.09%
3 months-16.52%
6 months-34.77%
Current year-33.46%
1 week 28.33
Extreme 28.33
32.8
1 month 28.33
Extreme 28.33
36.9
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.
6/9/26 Sell

Chairperson

-15,000 0.0157%
5/29/26 Free

Director

6,476 0.0068%
5/29/26 Free

Director

6,476 0.0068%
Change 5-day change 1-year change 3-year change Capi.($)
-2.46%-7.50%-62.05%-47.46% 2.82B
-0.21%+0.86%+17.14%+57.09% 13.99B
-0.52%-3.20%+21.54%+18.90% 10.37B
-3.24%-1.14%+22.59%+11.60% 6.69B
+1.39%+10.07%+8.61%+58.45% 5.53B
+2.29%+4.41%-21.81%-11.82% 1.71B
-1.17%+4.01%+94.50%+140.67% 1.52B
+0.93%-0.91%+7.39%-33.33% 794M
-2.19%-2.19%-21.15%-25.10% 664M
+1.06%+0.85%+0.26%+22.29% 560M
Average -0.18%+0.44%+6.70%+19.13% 4.47B
Weighted average by Cap. -0.47%+0.38%+13.11%+31.90%

Financials

2026 *2027 *
Net sales 1.42B 1.25B 1.15B 1.06B 2B 137B 2.03B 13.76B 5.39B 67.03B 5.33B 5.22B 231B 1.86B 1.63B 1.51B 1.39B 2.62B 180B 2.66B 18.05B 7.08B 87.91B 7B 6.84B 303B
Net income 107M 94.01M 86.9M 79.92M 151M 10.34B 153M 1.04B 407M 5.06B 403M 394M 17.44B 229M 201M 185M 171M 322M 22.07B 327M 2.22B 869M 10.8B 859M 841M 37.21B
Net Debt 1.24B 1.09B 1.01B 925M 1.75B 120B 1.77B 12.03B 4.72B 58.59B 4.66B 4.56B 202B 999M 875M 809M 744M 1.4B 96.3B 1.43B 9.67B 3.79B 47.12B 3.75B 3.67B 162B
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
26-07-20 US$28.73 -2.66% 2,196,878
26-07-17 US$29.51 -4.44% 4,171,869
26-07-16 US$30.88 -2.25% 3,249,280
26-07-15 US$31.59 -0.41% 2,587,637
26-07-14 US$31.72 +0.83% 3,282,254
Trader
Investor
Global
Quality
ESG MSCI
BB
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
15
Last Close Price
29.51USD
Average target price
41.07USD
Spread / Average Target
+39.16%

Quarterly revenue - Rate of surprise

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