Upstart Holdings (UPST) EBT (2020 - 2026)

Upstart Holdings (UPST) has reported EBT for 7 consecutive years, with -$6.6 million the latest figure, recorded in Q1 2026.

• In Q1 2026, EBT fell 171.38% year-over-year to -$6.6 million; the TTM figure through Mar 2026 stood at $50.2 million (up 175.77% YoY), while the FY2025 annual figure was $54.3 million, up 142.31% from the prior year.
• EBT retreated to -$6.6 million in Q1 2026 per UPST's latest filing, from $19.2 million in the prior quarter.
• Across five years, EBT topped out at $32.7 million in Q1 2022 and bottomed at -$129.2 million in Q1 2023.
• Historically, EBT has averaged -$25.3 million across 5 years, with a median of -$28.1 million in 2023.
• Annual changes were most pronounced in 2023 — EBT slumped 495.09% — and 2025, when it soared 824.74%.
• Upstart Holdings' EBT stood at -$55.7 million in 2022, then increased by 24.03% to -$42.3 million in 2023, then soared by 93.75% to -$2.6 million in 2024, then jumped by 824.74% to $19.2 million in 2025, then plunged by 134.24% to -$6.6 million in 2026.
• Business Quant data shows UPST's EBT at -$6.6 million in Q1 2026, $19.2 million in Q4 2025, and $31.9 million in Q3 2025.