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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)

Upstart Holdings (UPST) has disclosed EBT Margin for 6 consecutive years, with 6.47% as the latest value for Q4 2025.

  • Quarterly EBT Margin rose 779.0% to 6.47% in Q4 2025 from the year-ago period, while the trailing twelve-month figure was 5.45% through Dec 2025, up 2613.0% year-over-year, with the annual reading at 5.2% for FY2025, 2538.0% up from the prior year.
  • EBT Margin for Q4 2025 was 6.47% at Upstart Holdings, down from 12.35% in the prior quarter.
  • The five-year high for EBT Margin was 19.44% in Q4 2021, with the low at 110.33% in Q1 2023.
  • Average EBT Margin over 5 years is 13.58%, with a median of 2.73% recorded in 2024.
  • The sharpest move saw EBT Margin tumbled -12074bps in 2023, then soared 5979bps in 2024.
  • Over 5 years, EBT Margin stood at 19.44% in 2021, then tumbled by -284bps to 35.81% in 2022, then rose by 23bps to 27.7% in 2023, then soared by 95bps to 1.32% in 2024, then surged by 590bps to 6.47% in 2025.
  • According to Business Quant data, EBT Margin over the past three periods came in at 6.47%, 12.35%, and 2.2% for Q4 2025, Q3 2025, and Q2 2025 respectively.