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Upland SoftwareUPLD +3.46%44 Debt-to-EBITDA is 5.31 as of Mar. 2026, which is 81% below its 10-year median of 27.40. GuruFocus rates UPLD with a GF Score™ of 44/100 and a GF Value™ of $18.72 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 1,716 Software companies, Upland Software ranks worse than 89.57% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Upland Software's Debt-to-EBITDA or its related term are showing as below:
UPLD'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -6.32 Med: 27.4 Max: 112.12
Current: 6.55
During the past 13 years, the highest Debt-to-EBITDA Ratio of Upland Software was 112.12. The lowest was -6.32. And the median was 27.40.
UPLD's Debt-to-EBITDA is ranked worse than 89.57% of 1716
companies
in the Software industry
Industry Median: 1.08
vs UPLD: 6.55
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Upland Software Debt-to-EBITDA Related Terms
Upland Software Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Upland Software's Debt-to-EBITDA 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.
UPLD vs MYSE, NVNI, KNRX: Debt-to-EBITDA Comparison
For the Software - Application subindustry, Upland Software's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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.
Upland Software Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Upland Software's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Upland Software's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Upland Software (UPLD) has a Debt-to-EBITDA of 5.31 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Upland Software. This is 81% below median its historical median of 27.40. According to the industry distribution chart, Upland Software ranks #1537 out of 1716 companies in the Software industry, placing it in the top 89.6%.
Is Upland Software's Debt-to-EBITDA too high?
Upland Software's current Debt-to-EBITDA of 5.31 is 81% below median its 10-year median of 27.40. The Software industry median Debt-to-EBITDA is 1.08. Upland Software's value of 5.31 is 391.7% above this industry median. Based on the distribution chart, Upland Software ranks #1537 out of 1716 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Upland Software has a GF Score™ of 44/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Upland Software's Debt-to-EBITDA compare to MYSE and NVNI?
According to the Software industry distribution chart, Upland Software ranks #1537 out of 1716 companies for Debt-to-EBITDA. This places Upland Software in the lower half of its industry. The industry median Debt-to-EBITDA is 1.08. Upland Software's value of 5.31 is 391.7% above this benchmark. While the company's 10-year median is 27.40 vs. the industry median of 1.08, Upland Software has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Software company?
The median Debt-to-EBITDA among Software companies is 1.08, based on 1,716 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Upland Software's current Debt-to-EBITDA of 5.31 is 391.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Upland Software. For the Software industry, the median Debt-to-EBITDA is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Upland Software's current Debt-to-EBITDA is 5.31, which is 81% below median its own 10-year median of 27.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Upland Software stock overvalued right now?
Based on GuruFocus' analysis, Upland Software (UPLD) is currently considered Possible Value Trap. The stock's GF Value™ is $18.72, compared to a current price of $5.38 — trading 71.3% below its estimated fair value. The current Debt-to-EBITDA is 5.31, which is 81% below median its 10-year median of 27.40 and 391.7% above the Software industry median of 1.08. Upland Software's overall GF Score™ is 44/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Upland Software (UPLD), the current Debt-to-EBITDA is 5.31 as of Mar. 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 Upland Software (UPLD) Overvalued in 2026?
Based on GuruFocus' analysis, Upland Software stock appears to be undervalued.
The current stock price of $5.38 is trading 71.3% below its estimated GF Value™ of $18.72.
GuruFocus considers Upland Software to be Possible Value Trap.
Key valuation signals for UPLD:
Debt-to-EBITDA: 5.31 (81% below median its 10-year median of 27.40)
GF Value™: $18.72 vs. price of $5.38 (71.3% below fair value)
Industry Position: 391.7% above the Software median (#1537 of 1716)
No single metric tells the full story. See the UPLD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Upland Software Inc is a software company. It provides cloud-based software applications in three categories: Knowledge Management that provides solutions designed to help organizations capture, organize, and distribute information to employees and customers. Content Lifecycle and Workflow Automation offers solutions that support document management, compliance, and process efficiency across various industries. Digital Marketing solutions that provides tools for audience engagement, campaign management, and content distribution across digital channels. Geographically, the company has operations in the U.S., United Kingdom and Canada, of which United States derives maximum revenue.
44GF Score
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