Valuation: Upstart Holdings, Inc.

Capitalization 3.85B 3.32B 3.07B 2.94B 5.4B 341B 5.89B 36.42B 14.09B 163B 14.46B 14.16B 597B P/E ratio 2025 *
84x
P/E ratio 2026 * 33.4x
Enterprise value 4.68B 4.04B 3.74B 3.57B 6.56B 415B 7.16B 44.26B 17.12B 198B 17.57B 17.21B 725B EV / Sales 2025 *
4.52x
EV / Sales 2026 * 3.49x
Free-Float
85.38%
Yield 2025 *
-
Yield 2026 * -
More valuation ratios * Estimated data
Dynamic Chart
1 day-1.31%
1 week-5.10%
Current month-16.62%
1 month-18.44%
3 months-37.52%
6 months-25.19%
Current year-35.65%
More quotes
1 week 36.06
Extreme 36.0601
40.09
1 month 36.06
Extreme 36.0601
55.22
Current year 31.4
Extreme 31.4
96.43
1 year 31.4
Extreme 31.4
96.43
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
More quotes
Manager TitleAgeSince
Chief Executive Officer 59 30/11/2013
Chief Tech/Sci/R&D Officer 34 -
Director of Finance/CFO 51 30/11/2016
Director TitleAgeSince
Director/Board Member 34 31/03/2015
Chairman 59 30/11/2013
Director/Board Member 66 30/11/2019
More insiders
Change 5d. change 1-year change 3-years change Capi.($)
+1.77%-5.10%-42.94%+75.78% 3.85B
+2.08%+0.85%+9.90%+36.58% 12.4B
+0.94%+3.05%+22.80%+64.96% 5.22B
+1.18%-1.42%+1.23%-14.70% 4.91B
+4.45%+2.89%-0.06% - 2.04B
+1.47%-9.10%+17.87%+76.96% 794M
-3.41%-4.35%-21.74%-38.51% 757M
-0.88%-1.32%-2.17%-15.41% 772M
-1.37%-1.81%+7.46%-29.26% 548M
+5.10%+19.84%+239.13%+249.62% 361M
Average +0.62%-2.46%+23.15%+45.11% 3.17B
Weighted average by Cap. +0.48%-0.63%+5.32%+37.36%
See all sector performances

Financials

2025 *2026 *
Net sales 1.04B 894M 826M 789M 1.45B 91.79B 1.58B 9.79B 3.79B 43.78B 3.89B 3.81B 160B 1.26B 1.09B 1.01B 963M 1.77B 112B 1.93B 11.94B 4.62B 53.4B 4.74B 4.64B 196B
Net income 51.64M 44.55M 41.18M 39.33M 72.31M 4.57B 78.96M 488M 189M 2.18B 194M 190M 7.99B 133M 115M 106M 102M 187M 11.8B 204M 1.26B 487M 5.63B 500M 490M 20.62B
Net Debt 830M 716M 662M 632M 1.16B 73.51B 1.27B 7.84B 3.03B 35.06B 3.11B 3.05B 128B 560M 483M 446M 426M 784M 49.59B 856M 5.29B 2.05B 23.65B 2.1B 2.06B 86.65B
More financial data * Estimated data
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
1,193
More about the company
Date Price Change Volume
12/11/25 39.62 $ +1.77% 4,605,087
11/11/25 38.93 $ +0.41% 4,228,121
10/11/25 38.77 $ +0.44% 8,373,115
07/11/25 38.60 $ +2.32% 8,898,210
06/11/25 37.72 $ -9.64% 9,289,481

Delayed Quote Nasdaq, November 12, 2025 at 09:00 pm

More quotes
Trader
Investor
Global
Quality
ESG MSCI
BB
More Ratings
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
15
Last Close Price
39.62USD
Average target price
55.38USD
Spread / Average Target
+39.79%
Consensus

Quarterly revenue - Rate of surprise