Valuation Upstart Holdings, Inc.

Stocks

Market Closed - Nasdaq Other stock markets 04:00:00 2026-06-12 pm EDT			5-day change	1st Jan Change
30.50 ^USD	-4.06%		+2.56%	-30.25%

Jun. 11	Upstart Holdings Insider Sold Shares Worth $456,116, According to a Recent SEC Filing	MT
Jun. 10	Upstart Holdings, Inc. Presents at Morgan Stanley US Financials Conference 2026, Jun-10-2026 03:15 PM

Data adjusted to current consolidation scope

Fiscal Period: December	2021	2022	2023	2024	2025	2026	2027	2028
Market Cap ¹	12,400	1,082	3,475	5,617	4,254	2,919	-	-
Change	-	-91.27%	221.08%	61.62%	-24.26%	-31.38%	-	-
Enterprise Value (EV) ¹	12,109	1,646	4,147	6,043	5,026	4,161	3,918	3,528
Change	-	-86.4%	151.91%	45.7%	-16.82%	-17.22%	-5.84%	-9.95%
P/E Ratio	106x	-10.1x	-14.2x	-42.8x	97.2x	31.6x	16.5x	9.72x
PBR	15.7x	1.6x	5.39x	9.09x	5.37x	3.27x	2.44x	1.82x
PEG	-	0x	-0x	0.9x	-1x	0x	0.2x	0.1x
Capitalization / Revenue	14.6x	1.28x	6.77x	8.82x	4.08x	2.06x	1.57x	1.25x
EV / Revenue	14.3x	1.95x	8.08x	9.49x	4.82x	2.94x	2.11x	1.51x
EV / EBITDA	52.2x	44.3x	-241x	570x	21.8x	14x	8.92x	6x
EV / EBIT	86x	-14.5x	-16.2x	-35x	118x	39x	17x	9.53x
EV / FCF	79x	-2.36x	-25.6x	32.6x	-33.9x	14.1x	21.1x	8.95x
FCF Yield	1.27%	-42.4%	-3.91%	3.07%	-2.95%	7.11%	4.73%	11.2%
Dividend per Share ²	-	-	-	-	-	-	-	-
Rate of return	-	-	-	-	-	-	-	-
EPS ²	1.43	-1.31	-2.87	-1.44	0.45	0.9651	1.85	3.139
Distribution rate	-	-	-	-	-	-	-	-
Net sales ¹	848.6	842.4	513.6	636.5	1,044	1,415	1,856	2,341
EBITDA ¹	231.9	37.16	-17.22	10.59	230.5	297.4	439.2	588.1
EBIT ¹	140.9	-113.9	-256.5	-172.9	42.63	106.6	230.4	370.3
Net income ¹	135.4	-108.7	-240.1	-128.6	53.6	109.5	221	361.9
Net Debt ¹	-291.2	564	672	425.9	772.1	1,242	998.7	608.9
Reference price ²	151.30	13.22	40.86	61.57	43.73	30.50	30.50	30.50
Nbr of stocks (in thousands)	81,957	81,877	85,057	91,228	97,286	95,712	-	-
Announcement Date	2/15/22	2/14/23	2/13/24	2/11/25	2/10/26	-	-	-

¹USD in Million²USD

Estimates

Add to a list 0 selected To use this feature you must be a member Log in Sign up	P/E (Y)	EV / Sales (Y)	EV / EBITDA (Y)	Dividend Yield (Y)	Capi.($)
UPSTART HOLDINGS, INC.	31.6x	2.94x	13.99x	-.--%	2.92B
ALLY FINANCIAL INC.	8.75x	1.78x	1.99x	2.72%	13.6B
AYVENS	9.22x	2.26x	33.97x	5.51%	10.67B
CREDIT ACCEPTANCE CORPORATION	10.6x	-	-	-	5.73B
JIANGSU FINANCIAL LEASING CO., LTD.	10.81x	-	-	4.84%	5.72B
ATLANTICUS HOLDINGS CORPORATION	9.66x	2.72x	-	-	1.4B
FIVE-STAR BUSINESS FINANCE LIMITED	11.73x	-	-	0.47%	1.36B
AEON THANA SINSAP (THAILAND)	7.81x	3.61x	-	5.73%	724M
Average	12.52x	2.66x	16.65x	3.21%	5.27B
Weighted average by Cap.	11.09x	2.16x	15.83x	3.67%