Upstart EV/EBIT UPST

Enterprise value divided by operating profit over the last twelve months, one-off items taken out, since 2022.

Today, Oct 23, 2026: 78.1×
5-year median: 90.7×
Against its 5-year history: 39th; percentile: 0 is its lowest day, 100 its highest
5-year range: 11.9× to 327×
Peer median: 8.3×

Upstart's EV/EBIT is 78.1× as of Oct 23, 2026.

That is below its 5-year median of 90.7×, close to the middle of its last 5 years.

Over that time it ranged from 11.9× in Jul 2022 to 327× in Dec 2025.

The median for 10 credit services stocks of a similar size is 8.3×.

EV/EBIT over time

Open the interactive chart, with overlays and comparisons

Year by year

Year	End of year	Low	High
2026 so far	78.1×	76.2×	326×
2025	318×	264×	327×
2024	n/m a value too high to mean anything
2023	244×	202×	320×
2022	203×	11.9×	325×

Against its peers

Companies in Financial - Credit Services nearest Upstart's size, closest first, today.

Company	EV/EBIT
UPSTUpstart	78.1×
FLYWFlywire	52.6×
PAYOPayoneer Global	n/m
EEFTEuronet Worldwide	7.7×
AGMFederal Agricultural Mortgage	n/m
ECPGEncore Capital	9.4×
WUWestern Union CO	3.3×
CBZCBIZ	21.6×
HAPNHappen	n/m
MMSMaximus	8.3×
PGYPagaya Technologies	3.6×
Peer median	8.3×

Where Upstart ranks

#64of 70Credit services stocks with the lowest EV/EBIT

What the EV/EBIT tells you

What the whole business costs against its operating profit. Enterprise value is the market value plus borrowings and minority interests, less cash. EBIT is operating profit before interest and tax, with one-offs taken out. Unlike PE it is not moved by how a company is financed.

Leases are left out of debt for every company. Banks earn on their balance sheet, so EV/EBIT does not describe them.

More on Upstart

Valuation data, not investment advice. Prices as of Oct 23, 2026. Reported figures come from the company's filings with the SEC.