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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 - 2026)

Upstart Holdings has reported EBT Margin over the past 6 years, most recently at 6.47% 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 was 6.47% for Q4 2025 at Upstart Holdings, down from 12.35% in the prior quarter.
  • Over five years, EBT Margin peaked at 19.44% in Q4 2021 and troughed at 110.33% in Q1 2023.
  • The 5-year median for EBT Margin is 2.73% (2024), against an average of 13.58%.
  • Year-over-year, EBT Margin plummeted -12074bps in 2023 and then surged 5979bps in 2024.
  • A 5-year view of EBT Margin shows it stood at 19.44% in 2021, then crashed by -284bps to 35.81% in 2022, then grew by 23bps to 27.7% in 2023, then skyrocketed by 95bps to 1.32% in 2024, then soared by 590bps to 6.47% in 2025.
  • Per Business Quant, the three most recent readings for UPST's EBT Margin are 6.47% (Q4 2025), 12.35% (Q3 2025), and 2.2% (Q2 2025).