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Valuation: Upstart Holdings, Inc.

Capitalization 2.44B 2.12B 1.92B 1.83B 3.33B 226B 3.45B 22.81B 9.06B 108B 9.17B 8.98B 389B P/E ratio 2026 *
27.8x
P/E ratio 2027 * 14.9x
Enterprise value 3.24B 2.81B 2.54B 2.42B 4.41B 299B 4.57B 30.22B 12B 143B 12.15B 11.89B 516B EV / Sales 2026 *
2.31x
EV / Sales 2027 * 1.67x
Free-Float
85.38%
Yield 2026 *
-
Yield 2027 * -
1 day-6.22%
1 week-9.96%
Current month-5.40%
1 month-14.67%
3 months-47.80%
6 months-59.16%
Current year-41.09%
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 30/11/2013
Director of Finance/CFO 52 30/11/2016
General Counsel - 31/07/2022
Director TitleAgeSince
Director/Board Member 35 31/03/2015
Chairman 60 30/11/2013
Director/Board Member 67 30/11/2019
Change 5d. change 1-year change 3-years change Capi.($)
-6.22%-9.96%-48.13%+66.09% 2.61B
-0.03%-7.67%+8.67%+42.68% 11.39B
-1.17%-3.38%+4.10%+18.60% 5.37B
+2.20%+2.69%+31.31%+55.55% 5.36B
-1.75%-10.87%-44.31%-31.85% 1.22B
-4.32%-9.94%+13.93%+96.10% 835M
-0.54%+1.39%-11.84%-53.68% 713M
0.00%0.00%-17.75%-20.83% 706M
-1.13%+2.52%-21.39%-5.30% 473M
-0.24%-1.33%+20.80%+59.46% 313M
Average -1.32%-2.75%-6.46%+22.68% 2.9B
Weighted average by Cap. -0.61%-4.68%+3.33%+36.60%

Financials

2026 *2027 *
Net sales 1.4B 1.22B 1.1B 1.05B 1.91B 130B 1.98B 13.11B 5.21B 61.97B 5.27B 5.16B 224B 1.85B 1.6B 1.45B 1.38B 2.52B 171B 2.61B 17.25B 6.85B 81.53B 6.94B 6.79B 294B
Net income 107M 93.04M 84.12M 80.32M 146M 9.9B 151M 1B 398M 4.73B 402M 394M 17.08B 210M 182M 165M 157M 286M 19.38B 296M 1.96B 778M 9.26B 788M 771M 33.42B
Net Debt 794M 689M 623M 595M 1.08B 73.31B 1.12B 7.41B 2.94B 35.03B 2.98B 2.92B 126B 650M 564M 510M 487M 886M 60.05B 917M 6.07B 2.41B 28.69B 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
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
06/03/26 27.78 $ -2.90% 4,054,199
Trader
Investor
Global
Quality
ESG MSCI
BB
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
16
Last Close Price
25.76USD
Average target price
48.87USD
Spread / Average Target
+89.70%

Quarterly revenue - Rate of surprise

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