Valuation: Upstart Holdings, Inc.

Market Cap 2.44B 2.12B 2.01B 1.82B 3.41B 234B 3.43B 24.02B 9.27B 119B 9.15B 8.95B 382B P/E 2026 *
35.3x
P/E 2027 * 13.2x
Enterprise Value 3.9B 3.4B 3.21B 2.91B 5.46B 374B 5.48B 38.44B 14.83B 190B 14.64B 14.31B 612B EV / Sales 2026 *
2.75x
EV / Sales 2027 * 1.99x
Free-Float
87.06%
Yield 2026 *
-
Yield 2027 * -
1 day+0.93%
1 week-2.31%
Current month-12.83%
1 month-14.12%
3 months-22.91%
6 months-3.21%
Current year-42.83%
1 week 24.49
Extreme 24.49
26.5
1 month 24.49
Extreme 24.49
31.8
Current year 23.96
Extreme 23.965
52.1
1 year 23.96
Extreme 23.965
66.73
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.($)
+0.93%-2.31%-63.26%-13.58% 2.44B
-1.48%-4.92%-10.27%+40.01% 12.05B
-1.32%-3.15%+6.40%+23.83% 9.41B
-2.05%-4.29%+14.68%+17.44% 6B
-0.30%-0.74%+20.50%+46.29% 5.79B
+1.41%-2.29%-0.14%-23.06% 1.66B
-2.28%-1.52%+30.10%+214.26% 1.41B
0.00%-0.77%-15.07%-39.97% 719M
0.00%-0.53%-18.26%-21.01% 695M
+0.77%+0.19%+46.25%+56.26% 654M
Average -0.43%-1.94%+1.09%+30.05% 4.08B
Weighted average by Cap. -1.04%-3.34%+0.93%+31.93%

Financials

2026 *2027 *
Net sales 1.42B 1.24B 1.17B 1.06B 1.99B 136B 2B 14B 5.4B 69.23B 5.33B 5.21B 223B 1.86B 1.62B 1.53B 1.39B 2.61B 178B 2.62B 18.35B 7.08B 90.75B 6.99B 6.83B 292B
Net income 74.58M 65.03M 61.41M 55.76M 104M 7.16B 105M 736M 284M 3.64B 280M 274M 11.71B 225M 197M 186M 169M 316M 21.63B 317M 2.22B 858M 11B 847M 828M 35.38B
Net Debt 1.46B 1.27B 1.2B 1.09B 2.05B 140B 2.06B 14.41B 5.56B 71.29B 5.49B 5.37B 229B 1.27B 1.11B 1.05B 952M 1.78B 122B 1.79B 12.56B 4.85B 62.1B 4.78B 4.68B 200B
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
18/09/26 US$25.00 +0.93% 6,388,714
17/09/26 US$24.77 -0.32% 3,213,924
16/09/26 US$24.85 -1.70% 3,718,065
15/09/26 US$25.28 -3.14% 3,134,900
14/09/26 US$26.10 +1.99% 4,896,642
Trader
Investor
Global
Quality
ESG MSCI
BB
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
15
Last Close Price
25.00USD
Average target price
40.00USD
Spread / Average Target
+60.00%

Quarterly revenue - Rate of surprise

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