Valuation: Upstart Holdings, Inc.

Market Cap 2.24B 1.99B 1.86B 1.69B 3.19B 215B 3.23B 22.48B 8.7B 110B 8.4B 8.22B 352B P/E 2026 *
32.5x
P/E 2027 * 12.1x
Enterprise Value 3.7B 3.29B 3.07B 2.8B 5.27B 356B 5.34B 37.17B 14.39B 181B 13.89B 13.59B 583B EV / Sales 2026 *
2.61x
EV / Sales 2027 * 1.89x
Free-Float
87.06%
Yield 2026 *
-
Yield 2027 * -
1 day-0.17%
1 week-6.13%
Current month-0.17%
1 month-19.98%
3 months-35.22%
6 months-10.53%
Current year-47.52%
1 week 22.56
Extreme 22.555
24.88
1 month 22.56
Extreme 22.555
29.02
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 01/05/2026
Director of Finance/CFO 38 16/03/2026
Director of Finance/CFO 52 01/12/2016
Director TitleAgeSince
Director/Board Member 35 01/04/2015
Chairman 60 01/12/2013
Director/Board Member 67 01/12/2019
Date Insider Type Main position Quantity % Market Cap. Importance
10/9/26 Buy

Founder

50,000 0.0514%
8/9/26 Exercice

Chairperson

716,000 0.7358%
25/8/26 Sell

Controller/Auditor

-913 0.0010%
Change 5-day change 1-year change 3-year change Capi.($)
-0.17%-6.13%-54.82%-19.59% 2.24B
-0.66%+0.04%-9.05%+102.49% 205B
+0.73%-0.83%-8.51%+100.39% 118B
+4.00%-1.48%-38.24%+46.33% 32.59B
+0.09%-6.17%-13.65%+12.49% 28.86B
-4.18%-6.38%+52.95%+145.48% 24.15B
+0.76%+1.19%+0.65%+133.92% 23.09B
+0.76%-4.29%-40.05%+98.25% 20.3B
-2.04%-10.59%-1.69%+30.01% 14.39B
-1.46%-5.58%-12.35%+115.42% 11.46B
Average -0.20%-3.81%-12.48%+76.52% 48.09B
Weighted average by Cap. -0.02%-1.51%-8.97%+93.82%

Financials

2026 *2027 *
Net sales 1.42B 1.26B 1.18B 1.07B 2.02B 137B 2.05B 14.26B 5.52B 69.59B 5.33B 5.21B 224B 1.86B 1.65B 1.55B 1.41B 2.65B 179B 2.69B 18.69B 7.24B 91.21B 6.98B 6.83B 293B
Net income 74.58M 66.24M 61.95M 56.45M 106M 7.18B 108M 749M 290M 3.66B 280M 274M 11.75B 225M 200M 187M 171M 321M 21.7B 326M 2.27B 877M 11.05B 846M 828M 35.5B
Net Debt 1.46B 1.3B 1.21B 1.11B 2.08B 141B 2.11B 14.68B 5.68B 71.66B 5.49B 5.37B 230B 1.27B 1.13B 1.06B 964M 1.81B 123B 1.84B 12.79B 4.95B 62.42B 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
02/10/26 USD 22.95 -0.17% 4,844,860
30/09/26 USD 22.99 -0.65% 3,507,701
29/09/26 USD 23.14 +0.48% 4,046,575
28/09/26 USD 23.03 -3.28% 5,010,202
25/09/26 USD 23.81 -3.37% 4,593,066
Trader
Investor
Global
Quality
ESG MSCI
BB
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
15
Last Close Price
22.99USD
Average target price
40.00USD
Spread / Average Target
+73.99%

Quarterly revenue - Rate of surprise

  1. Stock Market
  2. Stocks
  3. UPST Stock