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Asset Utilization RatioAssets AverageEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginGross MarginInterest Coverage RatioInvested CapitalNet MarginOperating MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

Upstart Holdings (UPST) Asset Utilization Ratio (2021 - 2026)

Upstart Holdings has reported Asset Utilization Ratio over the past 5 years, most recently at 0.34 for Q4 2025.

  • Quarterly Asset Utilization Ratio rose 14.11% to 0.34 in Q4 2025 from the year-ago period, while the trailing twelve-month figure was 0.34 through Dec 2025, up 14.11% year-over-year, with the annual reading at 0.39 for FY2025, 34.59% up from the prior year.
  • Asset Utilization Ratio was 0.34 for Q4 2025 at Upstart Holdings, up from 0.34 in the prior quarter.
  • Over five years, Asset Utilization Ratio peaked at 0.57 in Q2 2021 and troughed at 0.27 in Q4 2023.
  • The 5-year median for Asset Utilization Ratio is 0.34 (2025), against an average of 0.39.
  • Year-over-year, Asset Utilization Ratio increased 16.18% in 2022 and then crashed 46.51% in 2023.
  • A 5-year view of Asset Utilization Ratio shows it stood at 0.48 in 2021, then fell by 1.41% to 0.47 in 2022, then plummeted by 41.64% to 0.27 in 2023, then increased by 8.14% to 0.3 in 2024, then grew by 14.11% to 0.34 in 2025.
  • Per Business Quant, the three most recent readings for UPST's Asset Utilization Ratio are 0.34 (Q4 2025), 0.34 (Q3 2025), and 0.34 (Q2 2025).