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Valuation: Upstart Holdings, Inc.

Capitalization 2.5B 2.19B 1.97B 1.89B 3.44B 231B 3.57B 23.59B 9.35B 111B 9.38B 9.19B 399B P/E ratio 2026 *
28.4x
P/E ratio 2027 * 15.3x
Enterprise value 3.29B 2.88B 2.6B 2.49B 4.53B 305B 4.71B 31.08B 12.32B 146B 12.36B 12.1B 526B EV / Sales 2026 *
2.35x
EV / Sales 2027 * 1.7x
Free-Float
85.38%
Yield 2026 *
-
Yield 2027 * -
1 day+2.33%
1 week-5.11%
Current month-3.20%
1 month-14.08%
3 months-46.59%
6 months-58.21%
Current year-39.72%
1 week 25.68
Extreme 25.68
29.19
1 month 25.6
Extreme 25.6
32.82
Current year 25.6
Extreme 25.6
52.1
1 year 25.6
Extreme 25.6
87.3
3 years 11.93
Extreme 11.93
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 60 01/12/2013
Director of Finance/CFO 52 01/12/2016
General Counsel - 01/08/2022
Director TitleAgeSince
Director/Board Member 35 01/04/2015
Chairman 60 01/12/2013
Director/Board Member 67 01/12/2019
Change 5d. change 1-year change 3-years change Capi.($)
+2.33%-5.11%-43.08%+72.63% 2.5B
-1.90%-5.07%+9.55%+56.79% 11.17B
-0.15%+1.09%+31.64%+52.45% 5.45B
-9.35%-10.06%-2.36%+11.00% 4.81B
-4.24%-13.08%-45.69%-33.54% 1.12B
-9.08%-12.50%+9.72%+91.23% 716M
0.00%0.00%-17.75%-20.83% 692M
-1.37%-0.28%-11.76%-53.25% 687M
+0.16%+1.57%-20.74%-4.20% 463M
-0.94%-0.22%-47.24%+185.58% 312M
Average -2.45%-4.01%-13.77%+35.78% 2.79B
Weighted average by Cap. -2.64%-4.28%+2.54%+42.51%

Financials

2026 *2027 *
Net sales 1.4B 1.23B 1.11B 1.06B 1.93B 130B 2.01B 13.25B 5.25B 62.07B 5.27B 5.16B 224B 1.85B 1.62B 1.46B 1.4B 2.54B 171B 2.64B 17.44B 6.91B 81.67B 6.94B 6.79B 295B
Net income 107M 93.75M 84.7M 81.02M 147M 9.92B 153M 1.01B 401M 4.74B 402M 394M 17.12B 210M 183M 166M 159M 288M 19.42B 300M 1.98B 785M 9.28B 788M 771M 33.5B
Net Debt 794M 694M 627M 600M 1.09B 73.44B 1.13B 7.49B 2.97B 35.09B 2.98B 2.92B 127B 650M 569M 514M 491M 894M 60.16B 929M 6.14B 2.43B 28.74B 2.44B 2.39B 104B
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. 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.
Employees
1,405
Date Price Change Volume
13/03/26 26.36 $ +2.33% 6,760,740
12/03/26 25.76 $ -6.22% 4,991,282
11/03/26 27.47 $ -2.45% 7,178,920
10/03/26 28.16 $ +0.86% 6,264,371
09/03/26 27.92 $ +0.50% 4,402,047
Trader
Investor
Global
Quality
ESG MSCI
BB
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
16
Last Close Price
26.36USD
Average target price
48.87USD
Spread / Average Target
+85.38%

Quarterly revenue - Rate of surprise

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