Valuation: Upstart Holdings, Inc.

Market Cap 2.32B 2.04B 1.93B 1.75B 3.28B 222B 3.3B 23.07B 8.91B 113B 8.7B 8.51B 365B P/E 2026 *
33.6x
P/E 2027 * 12.6x
Enterprise Value 3.78B 3.32B 3.14B 2.85B 5.35B 363B 5.38B 37.62B 14.53B 185B 14.19B 13.88B 595B EV / Sales 2026 *
2.66x
EV / Sales 2027 * 1.93x
Free-Float
87.06%
Yield 2026 *
-
Yield 2027 * -
1 day-2.33%
1 week-3.63%
Current month-15.72%
1 month-22.34%
3 months-26.53%
6 months-2.70%
Current year-46.44%
1 week 4.99
Extreme 4.99
5.45
1 month 4.99
Extreme 4.99
6.01
Current year 4.98
Extreme 4.985
10.48
1 year 4.98
Extreme 4.985
11.76
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.($)
-2.33%-3.63% - - 2.32B
-1.55%-4.26%-4.19%+43.41% 11.68B
-2.00%-6.30%-1.90%+34.85% 8.94B
+0.74%+2.09%+20.42%+47.41% 5.86B
-1.02%-2.53%+22.30%+17.84% 5.77B
-3.28%-9.97%-56.33%-16.53% 2.32B
-0.50%-3.73%+1.59%-25.33% 1.6B
-5.84%-4.32%+42.86%+187.17% 1.4B
0.00%-1.80%-19.41%-41.05% 705M
-1.37%-4.60%+37.07%+55.44% 630M
Average -1.70%-2.58%+4.71%+33.69% 4.32B
Weighted average by Cap. -1.46%-2.65%+3.19%+35.70%

Financials

2026 *2027 *
Net sales 1.42B 1.25B 1.18B 1.07B 2.01B 136B 2.02B 14.13B 5.46B 69.51B 5.33B 5.21B 223B 1.86B 1.64B 1.55B 1.4B 2.64B 179B 2.65B 18.52B 7.15B 91.11B 6.98B 6.83B 293B
Net income 74.58M 65.59M 62.03M 56.26M 106M 7.16B 106M 743M 287M 3.65B 280M 274M 11.74B 225M 198M 187M 170M 319M 21.64B 321M 2.24B 867M 11.04B 846M 828M 35.48B
Net Debt 1.46B 1.29B 1.22B 1.1B 2.07B 140B 2.08B 14.55B 5.62B 71.58B 5.49B 5.37B 230B 1.27B 1.12B 1.06B 960M 1.8B 122B 1.81B 12.68B 4.9B 62.35B 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
25/09/26 US$5.040 -2.33% 538
24/09/26 US$5.160 +0.39% 1,427
23/09/26 US$5.140 -5.69% 779
22/09/26 US$5.450 +1.87% 117
21/09/26 US$5.350 +2.29% 875
Trader
Investor
Global
Quality
ESG MSCI
-
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
15
Last Close Price
23.81USD
Average target price
40.00USD
Spread / Average Target
+68.00%

Quarterly revenue - Rate of surprise