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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) EBITDA Margin (2020 - 2025)

Upstart Holdings (UPST) has disclosed EBITDA Margin for 6 consecutive years, with 5.71% as the latest value for Q4 2025.

  • On a quarterly basis, EBITDA Margin rose 789.0% to 5.71% in Q4 2025 year-over-year; TTM through Dec 2025 was 4.08%, a 3073.0% increase, with the full-year FY2025 number at 4.08%, up 3129.0% from a year prior.
  • EBITDA Margin was 5.71% for Q4 2025 at Upstart Holdings, down from 9.15% in the prior quarter.
  • In the past five years, EBITDA Margin ranged from a high of 21.02% in Q4 2021 to a low of 128.09% in Q1 2023.
  • A 5-year average of 15.74% and a median of 7.3% in 2022 define the central range for EBITDA Margin.
  • Peak YoY movement for EBITDA Margin: surged 8434bps in 2021, then tumbled -13932bps in 2023.
  • Upstart Holdings' EBITDA Margin stood at 21.02% in 2021, then plummeted by -231bps to 27.63% in 2022, then dropped by -12bps to 31.08% in 2023, then surged by 93bps to 2.18% in 2024, then skyrocketed by 362bps to 5.71% in 2025.
  • Per Business Quant, the three most recent readings for UPST's EBITDA Margin are 5.71% (Q4 2025), 9.15% (Q3 2025), and 1.89% (Q2 2025).