Valuation: Upstart Holdings, Inc.

Market Cap 2.91B 2.49B 2.33B 2.13B 4.02B 279B 4.07B 27.59B 10.73B 140B 10.92B 10.68B 463B P/E 2026 *
41.5x
P/E 2027 * 16x
Enterprise Value 4.28B 3.67B 3.43B 3.14B 5.92B 410B 5.98B 40.61B 15.79B 206B 16.07B 15.72B 681B EV / Sales 2026 *
3.02x
EV / Sales 2027 * 2.1x
Free-Float
87.23%
Yield 2026 *
-
Yield 2027 * -
1 day-1.35%
1 week+0.47%
Current month+8.93%
1 month+10.99%
3 months+4.66%
6 months+6.22%
Current year-31.65%
1 week 27.96
Extreme 27.955
31.64
1 month 25.89
Extreme 25.89
34.69
Current year 23.96
Extreme 23.965
52.1
1 year 23.96
Extreme 23.965
76.95
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.
20/08/26 Sell

General Counsel

-7,696 0.0080%
20/08/26 Sell

Controller/Auditor

-586 0.0006%
20/08/26 Sell

Chairperson

-8,945 0.0093%
Change 5-day change 1-year change 3-year change Capi.($)
-1.35%+0.47%-56.59%-1.58% 2.91B
-1.12%-2.66%+4.61%+60.43% 12.79B
+0.26%+2.02%+13.41%+26.60% 10.57B
+0.34%+5.23%+19.07%+22.29% 6.26B
+1.38%+0.15%+14.90%+50.68% 5.71B
+0.20%-6.42%-13.10%-32.63% 1.54B
-0.98%-4.98%+45.11%+171.39% 1.44B
-0.97%-0.49%-1.45%-42.05% 771M
-0.53%+3.89%-17.26%-21.10% 699M
+4.46%-2.94%+21.13%+36.59% 599M
Average +0.06%-0.96%+2.98%+27.06% 4.33B
Weighted average by Cap. -0.13%-0.43%+6.58%+38.12%

Financials

2026 *2027 *
Net sales 1.42B 1.21B 1.14B 1.04B 1.96B 136B 1.98B 13.45B 5.23B 68.16B 5.32B 5.21B 226B 1.86B 1.59B 1.49B 1.36B 2.57B 178B 2.6B 17.65B 6.86B 89.43B 6.98B 6.83B 296B
Net income 78.79M 67.52M 63.17M 57.75M 109M 7.54B 110M 747M 291M 3.79B 296M 289M 12.53B 219M 187M 175M 160M 302M 20.94B 306M 2.07B 807M 10.51B 821M 803M 34.78B
Net Debt 1.37B 1.18B 1.1B 1.01B 1.9B 131B 1.92B 13.02B 5.06B 65.96B 5.15B 5.04B 218B 1B 860M 805M 736M 1.39B 96.12B 1.4B 9.52B 3.7B 48.27B 3.77B 3.69B 160B
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
24/08/26 US$29.89 -1.35% 3,356,589
21/08/26 US$30.30 +4.99% 4,634,370
20/08/26 US$28.86 -5.69% 7,810,069
19/08/26 US$30.60 +5.12% 5,887,647
18/08/26 US$29.11 -2.15% 3,643,949
Trader
Investor
Global
Quality
ESG MSCI
BB
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
15
Last Close Price
29.89USD
Average target price
40.60USD
Spread / Average Target
+35.83%

Quarterly revenue - Rate of surprise

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