Valuation: Upstart Holdings, Inc.

Market Cap 2.34B 2.09B 1.95B 1.77B 3.33B 226B 3.36B 23.42B 9.15B 115B 8.78B 8.59B 370B P/E 2026 *
33.9x
P/E 2027 * 12.7x
Enterprise Value 3.8B 3.39B 3.17B 2.88B 5.42B 367B 5.46B 38.05B 14.87B 187B 14.26B 13.95B 601B EV / Sales 2026 *
2.68x
EV / Sales 2027 * 1.94x
Free-Float
87.06%
Yield 2026 *
-
Yield 2027 * -
1 day-1.73%
1 week+4.48%
Current month+4.48%
1 month-14.37%
3 months-27.34%
6 months-9.19%
Current year-45.07%
1 week 22.72
Extreme 22.72
24.9
1 month 22.56
Extreme 22.555
26.93
Current year 22.56
Extreme 22.555
52.1
1 year 22.56
Extreme 22.555
55.22
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 30/04/2026
Director of Finance/CFO 38 15/03/2026
Director of Finance/CFO 52 30/11/2016
Director TitleAgeSince
Director/Board Member 35 31/03/2015
Chairman 60 30/11/2013
Director/Board Member 67 30/11/2019
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.($)
-1.42%+4.48%-53.64%-12.81% 2.34B
-0.52%+0.05%-7.23%+103.76% 205B
-0.60%+1.47%-8.32%+109.44% 120B
-1.40%-0.61%-29.73%+44.08% 32.39B
-2.02%-1.33%-15.97%+5.33% 28.81B
-2.85%-6.50%+37.97%+152.55% 23.03B
-0.35%+1.35%+1.45%+145.33% 23.4B
-1.50%-0.38%-44.35%+95.99% 20.23B
-1.60%-4.40%-5.26%+26.69% 13.86B
-0.74%-0.66%-6.39%+48.06% 11.26B
Average -1.36%-0.02%-13.15%+71.84% 48.1B
Weighted average by Cap. -0.93%+0.18%-8.67%+95.20%

Financials

2026 *2027 *
Net sales 1.42B 1.27B 1.18B 1.07B 2.02B 137B 2.04B 14.22B 5.55B 69.82B 5.33B 5.21B 224B 1.86B 1.66B 1.55B 1.41B 2.65B 180B 2.67B 18.63B 7.28B 91.52B 6.98B 6.83B 294B
Net income 74.59M 66.65M 62.18M 56.48M 106M 7.22B 107M 747M 292M 3.67B 280M 274M 11.8B 225M 201M 188M 171M 321M 21.81B 324M 2.26B 882M 11.09B 846M 828M 35.65B
Net Debt 1.46B 1.31B 1.22B 1.11B 2.08B 141B 2.1B 14.64B 5.72B 71.89B 5.49B 5.37B 231B 1.27B 1.14B 1.06B 964M 1.82B 123B 1.83B 12.75B 4.98B 62.63B 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
08/10/26 US$23.81 -0.90% 484,439
07/10/26 US$24.02 +0.67% 3,175,458
06/10/26 US$23.86 -2.01% 4,445,626
05/10/26 US$24.35 +6.75% 6,209,651
02/10/26 US$22.81 -0.61% 4,118,557
Trader
Investor
Global
Quality
ESG MSCI
BB
Ratings Surperformance© - Upstart Holdings, Inc.
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
15
Last Close Price
24.02USD
Average target price
40.00USD
Spread / Average Target
+66.53%

Quarterly revenue - Rate of surprise

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