Valuation: Upstart Holdings, Inc.

Market Cap 2.82B 2.47B 2.28B 2.1B 3.96B 272B 4.05B 27.24B 10.7B 133B 10.61B 10.37B 459B P/E 2026 *
31.3x
P/E 2027 * 15.3x
Enterprise Value 4.07B 3.56B 3.28B 3.02B 5.7B 391B 5.83B 39.22B 15.4B 192B 15.27B 14.93B 660B 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-4.44%
1 week-9.87%
Current month-16.71%
1 month-9.00%
3 months-14.64%
6 months-38.67%
Current year-32.52%
1 week 28.97
Extreme 28.97
33.3
1 month 28.97
Extreme 28.97
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 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.
09/06/26 Sell

Chairperson

-15,000 0.0157%
29/05/26 Free

Director

6,476 0.0068%
29/05/26 Free

Director

6,476 0.0068%
Change 5-day change 1-year change 3-year change Capi.($)
-4.44%-9.87%-62.34%-45.30% 2.82B
-2.48%+0.11%+14.44%+62.19% 13.99B
-1.36%-2.69%+22.18%+21.73% 10.37B
+0.38%+2.24%+28.31%+12.48% 6.69B
+1.89%+8.56%+6.07%+56.66% 5.53B
+0.96%+2.08%-25.03%-11.29% 1.71B
-2.48%+1.43%+94.10%+135.90% 1.52B
-2.26%-1.82%+6.93%-34.94% 794M
+1.67%0.00%-20.09%-23.43% 664M
+0.17%+0.75%-3.36%+25.79% 560M
Average -0.79%-0.14%+6.12%+19.98% 4.47B
Weighted average by Cap. -1.14%+0.02%+12.76%+34.10%

Financials

2026 *2027 *
Net sales 1.42B 1.24B 1.15B 1.06B 1.99B 137B 2.04B 13.7B 5.38B 66.96B 5.34B 5.22B 231B 1.86B 1.63B 1.5B 1.39B 2.61B 179B 2.67B 17.97B 7.06B 87.83B 7B 6.84B 303B
Net income 107M 93.78M 86.55M 79.73M 150M 10.33B 154M 1.03B 406M 5.06B 403M 394M 17.41B 229M 200M 185M 170M 321M 22.04B 328M 2.21B 867M 10.79B 860M 841M 37.16B
Net Debt 1.24B 1.09B 1B 923M 1.74B 120B 1.78B 11.98B 4.7B 58.53B 4.66B 4.56B 202B 999M 873M 806M 742M 1.4B 96.15B 1.43B 9.63B 3.78B 47.08B 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
17/07/26 $29.51 -4.44% 4,171,869
16/07/26 $30.88 -2.25% 3,249,280
15/07/26 $31.59 -0.41% 2,587,637
14/07/26 $31.72 +0.83% 3,282,254
13/07/26 $31.46 -3.91% 3,267,342
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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