Market cap is the total market value to buy the whole company. It is equal to the share price times the number of Shares Outstanding (EOP). Upstart Holdings's share price for the quarter that ended in Mar. 2026 was €21.5. Upstart Holdings's Shares Outstanding (EOP) for the quarter that ended in Mar. 2026 was 95.7 Mil. Therefore, Upstart Holdings's market cap for the quarter that ended in Mar. 2026 was €2,057.7 Mil.
Upstart Holdings's quarterly market cap
declined
from Sep. 2025 (€4,182.9 Mil) to Dec. 2025 (€3,776.2 Mil) and
declined
from Dec. 2025 (€3,776.2 Mil) to Mar. 2026 (€2,057.7 Mil).
Upstart Holdings's annual market cap
increased
from Dec. 2023 (€3,391.5 Mil) to Dec. 2024 (€6,016.7 Mil) but then
declined
from Dec. 2024 (€6,016.7 Mil) to Dec. 2025 (€3,776.2 Mil).
Enterprise Value is the theoretical takeover price. It is more comprehensive than market capitalization (market cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash and cash equivalents. Upstart Holdings's Enterprise Value for Today is €4,044.6 Mil.
Upstart Holdings (FRA:855) Market Cap Explanation
Market cap is not the real price you pay for a company. If you buy the company and become its owner, you become the owner of the cash the company has, and you also assume the companys debt. The real price you pay is the Enterprise Value.
Warren Buffett uses the ratio of total market cap of all public traded companies over GDP to measure if the market is expensive. As of April 2012, the US total market cap is about $14.7 trillion, while the US GDP is about $15 trillion. The market was modestly overvalued.
Upstart Holdings Market Cap Related Terms
Upstart Holdings Market Cap Historical Data
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The historical data trend for Upstart Holdings's Market Cap can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Upstart Holdings's Market Cap, along with its competitors' market caps and Market Cap data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Upstart Holdings Market Cap vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Upstart Holdings's Market Cap distribution charts can be found below:
* The bar in red indicates where Upstart Holdings's Market Cap falls into.
Market cap is the short version of market capitalization. It is the total market value to buy the whole company. It is equal to the share price times the number of shares outstanding.
Upstart Holdings's Market Cap for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Upstart Holdings (FRA:855) has a Market Cap of €2,779.4 Mil as of Jun. 26, 2026. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on Upstart Holdings and its competitors. According to the industry distribution chart, Upstart Holdings ranks #46 out of 555 companies in the Credit Services industry, placing it in the top 8.3%.
Is Upstart Holdings' Market Cap too high?
Upstart Holdings' current Market Cap is €2,779.4 Mil. Based on the distribution chart, Upstart Holdings ranks #46 out of 555 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Upstart Holdings has a GF Score™ of 62/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Upstart Holdings' Market Cap compare to BFH and WU?
According to the Credit Services industry distribution chart, Upstart Holdings ranks #46 out of 555 companies for Market Cap. This places Upstart Holdings in the top 8% of its industry — outperforming the majority of peers. The industry median Market Cap is 45.96. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Market Cap for a Credit Services company?
The median Market Cap among Credit Services companies is 45.96, based on 555 companies in the industry. Companies in the top quartile (top 25%) have a Market Cap significantly above this median, while those in the bottom quartile fall well below. However, Market Cap should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Market Cap mean?
A high Market Cap can signal that a stock is expensive relative to its fundamentals. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on Upstart Holdings and its competitors. For the Credit Services industry, the median Market Cap is 45.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Upstart Holdings's current Market Cap is €2,779.4 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Upstart Holdings stock overvalued right now?
Based on GuruFocus' analysis, Upstart Holdings (FRA:855) is currently considered Possible Value Trap. The stock's GF Value™ is €52.58, compared to a current price of €27.70 — trading 47.3% below its estimated fair value. The current Market Cap is €2,779.4 Mil. Upstart Holdings' overall GF Score™ is 62/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Market Cap calculated?
Market Cap is calculated from a company's financial statements. For Upstart Holdings (FRA:855), the current Market Cap is €2,779.4 Mil as of Jun. 26, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Upstart Holdings (FRA:855) Overvalued in 2026?
Based on GuruFocus' analysis, Upstart Holdings stock appears to be undervalued.
The current stock price of €27.70 is trading 47.3% below its estimated GF Value™ of €52.58.
GuruFocus considers Upstart Holdings to be Possible Value Trap.
Key valuation signals for FRA:855:
Market Cap: €2,779.4 Mil
GF Value™: €52.58 vs. price of €27.70 (47.3% below fair value)
No single metric tells the full story. See the FRA:855 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners. The company support development of different lending product offerings, which are grouped into three operating segments - Personal Lending (unsecured personal loans and small dollar loans), Auto Lending (auto refinance, auto retail loans, and auto secured personal loans), and Other (HELOCs and other).
62GF Score
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