Valuation: Upstart Holdings, Inc.

Capitalization 2.58B 2.21B 2.02B 1.93B 3.54B 247B 3.58B 24.15B 9.39B 117B 9.69B 9.49B 409B P/E ratio 2026 *
29.6x
P/E ratio 2027 * 14.9x
Enterprise value 3.96B 3.4B 3.1B 2.96B 5.44B 380B 5.49B 37.06B 14.41B 180B 14.88B 14.56B 628B EV / Sales 2026 *
2.81x
EV / Sales 2027 * 1.87x
Free-Float
87%
Yield 2026 *
-
Yield 2027 * -
1 day+10.08%
1 week+3.52%
Current month-5.92%
1 month+5.88%
3 months-3.16%
6 months-20.33%
Current year-32.06%
1 week 26.22
Extreme 26.22
30.35
1 month 26.22
Extreme 26.22
35.8
Current year 23.96
Extreme 23.965
52.1
1 year 23.96
Extreme 23.965
87.3
3 years 16.13
Extreme 16.13
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 2026-04-30
Director of Finance/CFO 38 2026-03-15
Director of Finance/CFO 52 2016-11-30
Director TitleAgeSince
Director/Board Member 35 2015-03-31
Chairman 60 2013-11-30
Director/Board Member 67 2019-11-30
Change 5d. change 1-year change 3-years change Capi.($)
+10.08%+3.52%-44.65%+81.27% 2.58B
+1.58%-4.36%+15.61%+69.01% 12.79B
-0.44%+0.75%+21.22%+43.84% 5.77B
+4.13%+1.25%+9.77%+27.16% 5.49B
-0.24%-3.94%-32.25%-14.07% 1.44B
+5.18%+3.15%+39.07%+172.66% 1.15B
+1.08%-1.32%-10.34%-53.61% 705M
-0.55%-1.62%-20.52%-29.18% 691M
+0.17%+3.96%+0.15%+24.22% 594M
-0.10%-5.92%-26.35%+538.66% 570M
Average +2.09%-2.44%-4.83%+86.00% 3.18B
Weighted average by Cap. +2.28%-3.63%+7.00%+60.94%

Financials

2026 *2027 *
Net sales 1.41B 1.21B 1.1B 1.05B 1.93B 135B 1.95B 13.18B 5.13B 64.07B 5.29B 5.18B 223B 1.85B 1.59B 1.45B 1.38B 2.54B 177B 2.57B 17.32B 6.73B 84.16B 6.95B 6.8B 293B
Net income 110M 94.38M 86.24M 82.21M 151M 10.55B 153M 1.03B 400M 5B 413M 404M 17.44B 217M 186M 170M 162M 298M 20.8B 301M 2.03B 789M 9.87B 815M 798M 34.4B
Net Debt 1.38B 1.18B 1.08B 1.03B 1.89B 132B 1.91B 12.91B 5.02B 62.75B 5.18B 5.07B 219B 886M 759M 693M 661M 1.21B 84.79B 1.23B 8.28B 3.22B 40.23B 3.32B 3.25B 140B
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
26-05-14 29.71 $ +10.08% 4,659,991
26-05-13 26.99 $ -3.05% 4,900,750
26-05-12 27.84 $ -2.96% 3,544,921
26-05-11 28.69 $ -0.93% 3,772,646
26-05-08 28.96 $ -0.14% 4,636,212
Trader
Investor
Global
Quality
ESG MSCI
BB
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
15
Last Close Price
26.99USD
Average target price
40.20USD
Spread / Average Target
+48.94%

Quarterly revenue - Rate of surprise