Valuation: Upstart Holdings, Inc.

Market Cap 2.24B 2.01B 1.85B 1.68B 3.14B 213B 3.18B 22.24B 8.83B 111B 8.4B 8.22B 353B P/E 2026 *
33.9x
P/E 2027 * 12.2x
Enterprise Value 3.7B 3.32B 3.07B 2.78B 5.2B 351B 5.26B 36.76B 14.6B 184B 13.89B 13.59B 584B EV / Sales 2026 *
2.61x
EV / Sales 2027 * 1.89x
Free-Float
87.06%
Yield 2026 *
-
Yield 2027 * -
1 day+2.61%
1 week+1.98%
Current month+3.13%
1 month-0.42%
3 months-11.96%
6 months-29.20%
Current year-45.78%
1 week 22.88
Extreme 22.885
24.35
1 month 22.21
Extreme 22.21
24.95
Current year 22.21
Extreme 22.21
52.1
1 year 22.21
Extreme 22.21
53.18
3 years 19.84
Extreme 19.84
96.43
5 years 11.93
Extreme 11.93
355.42
10 years 11.93
Extreme 11.93
401.49
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
Date Insider Type Main position Quantity % Market Cap. Importance
10/09/26 Buy

Founder

50,000 0.0514%
08/09/26 Exercice

Chairperson

716,000 0.7358%
25/08/26 Sell

Controller/Auditor

-913 0.0010%
Change 5-day change 1-year change 3-year change Capi.($)
+3.09%+1.98%-55.00%+2.46% 2.24B
-0.68%-1.11%-12.49%+118.30% 211B
+0.54%+1.81%-9.59%+127.28% 122B
-0.73%-4.74%-16.31%+22.88% 60.04B
+3.05%+10.55%-33.74%+62.19% 32.54B
+0.37%-1.35%-22.34%+7.50% 28.08B
+0.19%+0.98%+0.17%+167.75% 23.3B
-0.18%-11.33%+14.88%+128.63% 20.37B
+13.42%+14.69%-43.47%+137.68% 18.68B
+0.98%-3.16%-32.26%-3.99% 14.24B
Average +1.92%-0.74%-21.02%+77.07% 53.25B
Weighted average by Cap. +0.39%-0.11%-14.27%+99.80%

Financials

2026 *2027 *
Net sales 1.42B 1.27B 1.18B 1.07B 1.99B 135B 2.02B 14.09B 5.6B 70.62B 5.32B 5.21B 224B 1.86B 1.67B 1.54B 1.4B 2.61B 177B 2.64B 18.47B 7.34B 92.57B 6.98B 6.83B 294B
Net income 69.79M 62.64M 57.84M 52.45M 98.03M 6.63B 99.23M 693M 275M 3.47B 262M 256M 11.02B 220M 198M 183M 166M 309M 20.92B 313M 2.19B 869M 10.97B 827M 809M 34.78B
Net Debt 1.46B 1.31B 1.21B 1.1B 2.05B 139B 2.08B 14.52B 5.77B 72.76B 5.49B 5.37B 231B 1.27B 1.14B 1.05B 957M 1.79B 121B 1.81B 12.65B 5.02B 63.38B 4.78B 4.68B 201B
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
28/10/26 $23.71 +3.09% 3,557,534
26/10/26 $23.00 -3.28% 3,181,375
23/10/26 $23.78 -0.29% 3,053,117
22/10/26 $23.85 +0.80% 3,080,086
21/10/26 $23.66 +0.04% 2,604,497
Trader
Investor
Global
Quality
ESG MSCI
BB
MarketScreener Ratings - Upstart Holdings, Inc.
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
16
Last Close Price
23.00USD
Average target price
38.38USD
Spread / Average Target
+66.85%

Quarterly revenue - Rate of surprise

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