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

Upstart Holdings (UPST) has reported Interest Coverage Ratio for 7 consecutive years, with 0.72 the latest figure, recorded in Q1 2026.

• In Q1 2026, Interest Coverage Ratio fell 18.97% year-over-year to 0.72; the TTM figure through Mar 2026 stood at 1.14 (up 136.76% YoY), while the FY2025 annual figure was 0.17, up 150.81% from the prior year.
• Interest Coverage Ratio eased to 0.72 in Q1 2026 per UPST's latest filing, from 2.34 in the prior quarter.
• Across five years, Interest Coverage Ratio topped out at 16.88 in Q1 2022 and bottomed at 20.23 in Q4 2022.
• Historically, Interest Coverage Ratio has averaged 4.53 across 5 years, with a median of 4.17 in 2024.
• Annual changes were most pronounced in 2022 — Interest Coverage Ratio jumped 469.29% — and 2023, when it plunged 198.1%.
• Upstart Holdings' Interest Coverage Ratio stood at 20.23 in 2022, then surged by 85.07% to 3.02 in 2023, then jumped by 72.12% to 0.84 in 2024, then surged by 377.99% to 2.34 in 2025, then plunged by 130.95% to 0.72 in 2026.
• Business Quant data shows UPST's Interest Coverage Ratio at 0.72 in Q1 2026, 2.34 in Q4 2025, and 2.69 in Q3 2025.