upstart.com (UPST) - Enterprise Value to EBITDA Ratio

Upstart Holdings (UPST) - corporate logo

Upstart Holdings, Inc. (UPST) generates revenue from its cloud-based AI service, receiving fees from banks for accurate borrower credit scoring. The EV/EBITDA multiple reflects the cost of capital dynamics, where 32.25 serves as the final level marker. High sensitivity to Fed rates makes the model cyclical, while the reliance on loan buybacks by partners creates significant structural risks.

UPST Upstart Holdings: Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization in the range 11/23/2025 - 11/13/2026

upstart.com - analytical breakdowns and key metrics (UPST)

- market price and analyst price targets:
Price Chart Upstart Network|UPST - Fair Value Consensus
- market capitalization indicators:
Market Valuation Upstart Corp|UPST - Value Adjusted for Debt and Cash
- business book valuation details:
Net Assets per Single Share Upstart|UPST - Company Book Value|Market Capitalization to Book Value Ratio upstart.com|UPST - Company Assets
- debt and solvency information:
Debt to Equity Upstart Holdings, Inc.|UPST - Long-Term Debt to Capital Ratio|Short-Term Debt to Capital Upstart|UPST - Company Aggregate Debt|Debts to Book Capitalization Upstart Corp|UPST - Long-Term Debt Volume|Company Short-Term Debt Upstart|Quick Ratio upstart.com
- business earnings and investment ratios data:
UPST - Annual Net Income|Future Profit Upstart Holdings, Inc.|UPST - P/E Multiple|Future Price to Earnings Upstart Holdings, Inc.|UPST - Market Cap to Earnings and Growth Ratio|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Upstart Corp|UPST - Operating income before deduction of amortization|Net earnings per share for the last 12 months Upstart|UPST - Earnings per share for the last four quarters|Quarterly EPS earnings growth upstart.com|UPST - Earnings growth in current year|Net earnings per share growth forecast for next year Upstart Holdings, Inc.
- sales revenue and business income indicators:
UPST - Company Sales Revenue|Company Future Sales Volume Upstart Network|UPST - Market Cap to Sales Volume|Forward Price-to-Revenue Multiple Upstart Corp
Fundamental company valuation:Upstart Network UPST
Original product of upstart.com

Investors assess the operational strength of assets through the ratio of enterprise value to earnings before interest, taxes, depreciation, and amortization, which allows the valuation to be stripped of the influence of debt load and tax regimes. By analyzing the current EV/EBITDA trend of Upstart Holdings, Inc. (UPST), one can determine how effectively the AI models of Upstart Holdings, Inc. (UPST) convert applications into actual cash flow, separating fundamental margin growth from speculative market volatility.

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