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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) EBT Margin (2020 - 2025)

Historic EBT Margin for Upstart Holdings (UPST) over the last 6 years, with Q4 2025 value amounting to 6.47%.

  • Upstart Holdings' EBT Margin rose 77900.0% to 6.47% in Q4 2025 from the same period last year, while for Dec 2025 it was 5.2%, marking a year-over-year increase of 253800.0%. This contributed to the annual value of 5.2% for FY2025, which is 253800.0% up from last year.
  • Per Upstart Holdings' latest filing, its EBT Margin stood at 6.47% for Q4 2025, which was up 77900.0% from 11.52% recorded in Q3 2025.
  • In the past 5 years, Upstart Holdings' EBT Margin registered a high of 19.44% during Q4 2021, and its lowest value of 110.33% during Q1 2023.
  • For the 5-year period, Upstart Holdings' EBT Margin averaged around 13.46%, with its median value being 2.66% (2024).
  • As far as peak fluctuations go, Upstart Holdings' EBT Margin plummeted by -1207400bps in 2023, and later soared by 635500bps in 2024.
  • Over the past 5 years, Upstart Holdings' EBT Margin (Quarter) stood at 19.44% in 2021, then plummeted by -284bps to 35.81% in 2022, then rose by 23bps to 27.7% in 2023, then skyrocketed by 95bps to 1.32% in 2024, then skyrocketed by 590bps to 6.47% in 2025.
  • Its EBT Margin was 6.47% in Q4 2025, compared to 11.52% in Q3 2025 and 2.2% in Q2 2025.