Upstart Holdings, Inc. (UPST) stock

UPSTNasdaqFinance ServicesFiscal year ends December 31

Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Nov 3, 2026Score 12/3013% below fair value

$19.56+0.41 (+2.14%)

Close on Nov 13, 2026Market cap $1.90BP/E 39.9Yield –

Upstart EV/EBITDA

EV/EBITDA is enterprise value divided by EBITDA over the trailing twelve months.

Upstart's EV/EBITDA was 20.5× on Nov 11, 2026, against 92.4× a year earlier. Over the last 3 years it ranged from 6.2× to 650.6×, with a median of 44.1×.

EV/EBITDA at the end of each year

Period	Period end	Value	Change (pts)
2026	Nov 11, 2026	20.5×	−69.0
2025	Dec 31, 2025	89.5×	+49.5
2023	Jan 31, 2023	40.0×	+25.6
2022	Dec 30, 2022	14.4×	−101.3
2021	Dec 31, 2021	115.7×	–

Where these numbers come from

Parsed from the XBRL in Upstart's annual and quarterly filings with the SEC
Fourth quarters derived from the annual report minus nine months
Every figure in the statements links to its source filing

Against peers

Trailing twelve months. Peers are matched on business description, industry and size. Ticks are peers, the dot is UPST.

Compare: UPST vs PGY · UPST vs OPRT · UPST vs LDI · UPST vs OPFI · UPST vs SOFI

Revenue growth46.3% · median 5.5%

Operating margin4.0% · median 31.4%

Net margin4.8% · median 10.8%

Company	Revenue	Growth
PGY	$1.43B	+14.8%
UPST	$1.25B	+46.3%
LDI	$1.24B	+9.2%
OPRT	$956.02M	-0.4%
SOFI	$616.77M	+5.5%
OPFI	$351.79M	-6.5%

Company

Next earnings (est.): Feb 9, 2027, during market hours
Exchange: Nasdaq
Industry: Finance Services
Fiscal year ends: December 31
Employees: 1,405
Held by institutions: 60.0%
Auditor: Deloitte & Touche LLP
SEC CIK: 1647639

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Upstart EV/EBITDA

EV/EBITDA at the end of each year

More Upstart figures