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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 5.79% as the latest value for Q4 2025.

  • On a quarterly basis, EBT Margin rose 700.0% to 5.79% in Q4 2025 year-over-year; TTM through Dec 2025 was 5.2%, a 2500.0% increase, with the full-year FY2025 number at 5.2%, up 2541.0% from a year prior.
  • EBT Margin was 5.79% for Q4 2025 at Upstart Holdings, down from 12.35% in the prior quarter.
  • In the past five years, EBT Margin ranged from a high of 20.62% in Q4 2021 to a low of 125.56% in Q1 2023.
  • A 5-year average of 13.66% and a median of 2.68% in 2024 define the central range for EBT Margin.
  • Peak YoY movement for EBT Margin: tumbled -13611bps in 2023, then skyrocketed 7503bps in 2024.
  • Upstart Holdings' EBT Margin stood at 20.62% in 2021, then tumbled by -228bps to 26.32% in 2022, then dropped by -5bps to 27.7% in 2023, then surged by 96bps to 1.21% in 2024, then skyrocketed by 577bps to 5.79% in 2025.
  • Per Business Quant, the three most recent readings for UPST's EBT Margin are 5.79% (Q4 2025), 12.35% (Q3 2025), and 2.35% (Q2 2025).