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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) EBIT Margin (2020 - 2025)

Upstart Holdings (UPST) has disclosed EBIT Margin for 6 consecutive years, with 6.39% as the latest value for Q4 2025.

  • Quarterly EBIT Margin rose 876.0% to 6.39% in Q4 2025 from the year-ago period, while the trailing twelve-month figure was 4.27% through Dec 2025, up 3212.0% year-over-year, with the annual reading at 4.08% for FY2025, 3124.0% up from the prior year.
  • EBIT Margin for Q4 2025 was 6.39% at Upstart Holdings, down from 9.15% in the prior quarter.
  • The five-year high for EBIT Margin was 19.82% in Q4 2021, with the low at 112.54% in Q1 2023.
  • Average EBIT Margin over 5 years is 15.69%, with a median of 7.43% recorded in 2022.
  • The sharpest move saw EBIT Margin skyrocketed 8500bps in 2021, then tumbled -12364bps in 2023.
  • Over 5 years, EBIT Margin stood at 19.82% in 2021, then tumbled by -290bps to 37.6% in 2022, then increased by 17bps to 31.08% in 2023, then skyrocketed by 92bps to 2.37% in 2024, then skyrocketed by 369bps to 6.39% in 2025.
  • According to Business Quant data, EBIT Margin over the past three periods came in at 6.39%, 9.15%, and 1.77% for Q4 2025, Q3 2025, and Q2 2025 respectively.