Upstart Holdings (UPST) EBT (2020 - 2026)

Upstart Holdings has disclosed EBT across 7 years of filings, most recently posting -$6.6 million for 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 fell to -$6.6 million in Q1 2026, from $19.2 million in the prior quarter.
• Over the last five years, EBT for UPST reached as high as $32.7 million in Q1 2022 and fell as low as -$129.2 million in Q1 2023.
• The 5-year median for EBT is -$28.1 million (2023), against an average of -$25.3 million.
• Annual changes were most pronounced in 2023 — EBT plunged 495.09% — and 2025, when it soared 824.74%.
• A 5-year view of EBT shows it stood at -$55.7 million in 2022, then grew by 24.03% to -$42.3 million in 2023, then surged by 93.75% to -$2.6 million in 2024, then soared by 824.74% to $19.2 million in 2025, then sank by 134.24% to -$6.6 million in 2026.
• According to Business Quant data, EBT over the past three periods registered -$6.6 million, $19.2 million, and $31.9 million for Q1 2026, Q4 2025, and Q3 2025 respectively.