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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)

Historic EBITDA Margin for Upstart Holdings (UPST) over the last 6 years, with Q4 2025 value amounting to 6.39%.

  • Upstart Holdings' EBITDA Margin rose 87600.0% to 6.39% in Q4 2025 from the same period last year, while for Dec 2025 it was 4.08%, marking a year-over-year increase of 312400.0%. This contributed to the annual value of 4.08% for FY2025, which is 312400.0% up from last year.
  • As of Q4 2025, Upstart Holdings' EBITDA Margin stood at 6.39%, which was up 87600.0% from 8.54% recorded in Q3 2025.
  • Upstart Holdings' 5-year EBITDA Margin high stood at 19.82% for Q4 2021, and its period low was 112.54% during Q1 2023.
  • Over the past 5 years, Upstart Holdings' median EBITDA Margin value was 7.4% (recorded in 2022), while the average stood at 15.51%.
  • In the last 5 years, Upstart Holdings' EBITDA Margin surged by 843400bps in 2021 and then plummeted by -1236400bps in 2023.
  • Over the past 5 years, Upstart Holdings' EBITDA Margin (Quarter) stood at 19.82% in 2021, then crashed by -290bps to 37.6% in 2022, then grew by 17bps to 31.08% in 2023, then skyrocketed by 92bps to 2.37% in 2024, then surged by 369bps to 6.39% in 2025.
  • Its EBITDA Margin stands at 6.39% for Q4 2025, versus 8.54% for Q3 2025 and 1.77% for Q2 2025.