Valuation: Upstart Holdings, Inc.

Market Cap 2.95B 2.56B 2.38B 2.19B 4.14B 281B 4.18B 27.99B 10.99B 140B 11.08B 10.84B 465B P/E 2026 *
44.8x
P/E 2027 * 16.5x
Enterprise Value 4.32B 3.74B 3.49B 3.21B 6.06B 411B 6.13B 41.01B 16.1B 206B 16.23B 15.88B 681B EV / Sales 2026 *
3.05x
EV / Sales 2027 * 2.12x
Free-Float
87.01%
Yield 2026 *
-
Yield 2027 * -
1 day+4.59%
1 week+11.93%
Current month+11.54%
1 month-9.50%
3 months-4.20%
6 months-14.59%
Current year-32.20%
1 week 5.46
Extreme 5.46
6.41
1 month 5.46
Extreme 5.46
7.49
Current year 4.98
Extreme 4.985
10.48
1 year 4.98
Extreme 4.985
15.75
3 years 4.42
Extreme 4.42
19.2
5 years 4.2
Extreme 4.195
19.2
10 years 4.2
Extreme 4.195
19.2
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
Change 5-day change 1-year change 3-year change Capi.($)
+4.59%+11.93% - - 2.9B
-0.41%+4.27%+20.26%+52.85% 13.55B
-0.86%-0.43%+21.11%+26.98% 10.49B
+0.12%+6.26%+31.19%+18.51% 6.15B
+1.27%-0.93%+9.45%+40.00% 5.4B
+0.54%-2.42%-9.46%-25.97% 1.69B
+0.70%+6.60%+123.94%+189.75% 1.67B
-0.94%0.00%+6.60%-30.92% 787M
-0.56%-1.65%-22.17%-24.79% 658M
+0.62%+0.77%+23.09%+43.80% 614M
Average +0.55%+0.85%+22.67%+32.25% 4.56B
Weighted average by Cap. +0.24%+1.29%+22.79%+38.72%

Financials

2026 *2027 *
Net sales 1.42B 1.23B 1.15B 1.05B 1.99B 135B 2.01B 13.46B 5.28B 67.52B 5.33B 5.21B 224B 1.86B 1.61B 1.5B 1.38B 2.61B 177B 2.64B 17.68B 6.94B 88.65B 7B 6.84B 294B
Net income 73.87M 63.98M 59.64M 54.85M 104M 7.02B 105M 701M 275M 3.51B 277M 271M 11.64B 215M 186M 173M 159M 301M 20.42B 304M 2.04B 800M 10.22B 807M 789M 33.84B
Net Debt 1.37B 1.19B 1.11B 1.02B 1.92B 130B 1.94B 13.02B 5.11B 65.27B 5.15B 5.04B 216B 1B 869M 810M 745M 1.41B 95.45B 1.42B 9.52B 3.74B 47.76B 3.77B 3.69B 158B
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
04/08/26 US$6.380 +4.59% 29
03/08/26 US$6.100 +6.64% 523
31/07/26 US$5.720 +1.78% 352
30/07/26 US$5.620 +1.63% 506
29/07/26 US$5.530 -2.98% 371
Trader
Investor
Global
Quality
ESG MSCI
-
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
15
Last Close Price
30.32USD
Average target price
40.60USD
Spread / Average Target
+33.91%

Quarterly revenue - Rate of surprise