EBITDA for Upstart Holdings (UPST)
According to Upstart Holdings's latest reported financial statements, the company's current EBITDA (TTM) is $79.16M USD. EBITDA stands for earnings before interest, taxes, depreciation, and amortization. It is a common proxy for operating cash generation that strips out non-cash charges (depreciation and amortization) and capital structure effects (interest, taxes). Useful for comparing companies with different leverage and asset bases — see operating income and net income for fully GAAP figures.
Headline TTM above sums the four reported quarters through (reported ). Chart and table below cover the full reported history back to .
UPST
Currently viewingEBITDASwitch metric
TTM (last 4 quarters)
$79.16M
YoY change
-173.4%
5Y CAGR
+57.3%
Peak year (2021)
$141.27M
Cumulative EBITDA
-$173.24M
EBITDA history chart for Upstart Holdings (UPST) from 2017 to 2025
EBITDA history table for Upstart Holdings (UPST) from 2017 to 2025
| Fiscal year | Period ended | Reported | EBITDA | YoY |
|---|---|---|---|---|
| 2025 | $79.16M | -173.4% | ||
| 2024 | -$107.85M | -49.9% | ||
| 2023 | -$215.12M | +125.1% | ||
| 2022 | -$95.56M | -167.6% | ||
| 2021 | $141.27M | +1617.0% | ||
| 2020 | $8.23M | -297.2% | ||
| 2019 | -$4.17M | -122.2% | ||
| 2018 | $18.83M | +852.3% | ||
| 2017 | $1.98M | — |
EBITDA values are taken from Upstart Holdings's reported income statements (10-Q quarterly and 10-K annual filings with the U.S. Securities and Exchange Commission). Each row shows the period end date and the date the filing was reported; YoY compares each figure to the same period one year earlier. Amounts are in USD as filed.
Analysis
The 2025 reading of Upstart Holdings (UPST) EBITDA is $79.16M – plunged 173.4% year-over-year.
Across 2020–2025 (5 years), Upstart Holdings EBITDA produced a CAGR of +57.3% – sustaining 2 straight years of year-over-year growth.
Upstart Holdings EBITDA plunged from $141.27M in 2021 to $79.16M in 2025, a 44.0% drawdown.
$141.27M stands as the all-time-high annual EBITDA, posted in 2021, against a low of -$215.12M during 2023.
Within Financial Services, Upstart Holdings (UPST) ranks 9th among 8 peers we track. The peer median for EBITDA is $27.98B.
Upstart Holdings EBITDA by Year
Upstart Holdings EBITDA 2025: $79.16M
Upstart Holdings EBITDA in 2025 was $79.16M, plunged 173.4% below 2024.
Upstart Holdings EBITDA 2024: -$107.85M
Upstart Holdings EBITDA in 2024 was -$107.85M, plunged 49.9% below 2023.
Upstart Holdings EBITDA 2023: -$215.12M
Upstart Holdings EBITDA in 2023 was -$215.12M, surged 125.1% from 2022. This figure represents the lowest annual value in the available history.
Upstart Holdings EBITDA 2022: -$95.56M
Upstart Holdings EBITDA in 2022 was -$95.56M, plunged 167.6% below 2021.
Upstart Holdings EBITDA 2021: $141.27M
Upstart Holdings EBITDA in 2021 was $141.27M.
See more financial history for Upstart Holdings (UPST).
Sector peers — EBITDA
Companies in the same sector as Upstart Holdings, ranked by their latest EBITDA.
| Company | EBITDA | Sector |
|---|---|---|
| JPMorgan Chase & Co. (JPM) | $81.42B | Financial Services |
| Berkshire Hathaway Inc. (BRK-B) | $73.02B | Financial Services |
| Bank of America Corporation (BAC) | $40.01B | Financial Services |
| Wells Fargo & Company (WFC) | $29.35B | Financial Services |
| Morgan Stanley (MS) | $26.61B | Financial Services |
| Visa Inc. (V) | $26.00B | Financial Services |
| The Goldman Sachs Group, Inc. (GS) | $24.03B | Financial Services |
| Mastercard Incorporated (MA) | $20.19B | Financial Services |
Frequently asked questions
What is Upstart Holdings's EBITDA?
- Latest reported EBITDA for Upstart Holdings (UPST) is $79.16M (period ending December 31, 2025).
How has Upstart Holdings EBITDA changed year-over-year?
- Upstart Holdings (UPST) EBITDA changed -173.4% year-over-year on the latest annual filing.
What is the long-term growth rate of Upstart Holdings EBITDA?
- Upstart Holdings (UPST) EBITDA compound annual growth rate is +57.3% over the most recent 5 years available.
When did Upstart Holdings EBITDA hit its highest annual value?
- Upstart Holdings EBITDA reached its highest annual value of $141.27M in 2021.
What was Upstart Holdings EBITDA in 2024?
- Upstart Holdings (UPST) EBITDA in 2024 was -$107.85M.
What was Upstart Holdings EBITDA in 2025?
- Upstart Holdings (UPST) EBITDA in 2025 was $79.16M.
Metrics overview
Pick a metric for charts, filings, and peers — each row shows the latest TTM or annual value with year-over-year change.
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