Upstart Holdings (UPST) Interest Coverage Ratio (2021 - 2026)

Upstart Holdings has disclosed Interest Coverage Ratio across 6 years of filings, most recently posting 0.72 for Q1 2026.

• In Q1 2026, Interest Coverage Ratio fell 13.2% year-over-year to 0.72; the TTM figure through Mar 2026 stood at 1.13 (up 137.82% YoY), while the FY2025 annual figure was 1.35, up 131.49% from the prior year.
• Interest Coverage Ratio slipped to 0.72 in Q1 2026, from 2.34 in the prior quarter.
• Over the last five years, Interest Coverage Ratio for UPST reached as high as 36.32 in Q1 2022 and fell as low as 19.05 in Q3 2022.
• The 5-year median for Interest Coverage Ratio is 4.17 (2024), against an average of 3.27.
• Annual changes were most pronounced in 2022 — Interest Coverage Ratio jumped 1124.66% — and 2023, when it sank 150.89%.
• A 5-year view of Interest Coverage Ratio shows it stood at 12.94 in 2022, then surged by 73.9% to 3.38 in 2023, then soared by 81.07% to 0.64 in 2024, then jumped by 466.39% to 2.34 in 2025, then sank by 130.95% to 0.72 in 2026.
• According to Business Quant data, Interest Coverage Ratio over the past three periods registered 0.72, 2.34, and 2.69 for Q1 2026, Q4 2025, and Q3 2025 respectively.