Upstart Holdings (UPST) Interest Coverage Ratio (2022 - 2026)
Upstart Holdings' (UPST) Interest Coverage Ratio was 2.80 for Q3 2026, up 3.9% from 2.69 a year earlier and up 139.3% from the prior quarter.
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Analysis
Upstart Holdings (UPST) Interest Coverage Ratio (2022 - 2026) Analysis & Trends
Over the twelve months ended Sep 30, 2026, Upstart Holdings' Interest Coverage Ratio came in at 1.41, up 131.4% year-over-year; for FY2025, it was 1.35.
- By year, Interest Coverage Ratio came in at -4.28 in FY2024, -7.35 in FY2023, -10.50 in FY2022 and 43.03 in FY2021.
- The Q3 2026 figure ranks as the highest quarterly Interest Coverage Ratio since Q1 2022.
- Per Business Quant data, the three quarters before Q3 2026 came in at 1.17 (Q2 2026), -0.72 (Q1 2026) and 2.34 (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Block | 51.56 Bn | 23.34 Bn | 3.24 Bn | - |
| 2 | PayPal Holdings | 50.29 Bn | 8.99 Bn | - | - |
| 3 | Coinbase Global | 35.53 Bn | -4.11 Bn | - | 3.16 |
| 4 | Fiserv | 33.43 Bn | 30.64 Bn | 2.76 Bn | -15.97 |
| 5 | Corpay | 29.86 Bn | 18.68 Bn | - | 5.71 |
| 6 | Global Payments | 25.78 Bn | 604.58 Mn | 2.01 Bn | 0.89 |
| 7 | Guidewire Software | 13.57 Bn | 10.14 Bn | 269.68 Mn | 18.55 |
| 8 | Jack Henry & Associates | 12.44 Bn | 12.35 Bn | 273.85 Mn | 68.90 |
| 9 | Chime Financial | 11.95 Bn | 7.64 Bn | 646.07 Mn | - |
| 10 | Upstart Holdings | 2.14 Bn | 101.94 Mn | 307.18 Mn | 2.80 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 2.80 |
| Jun 30, 2026 | 1.17 |
| Mar 31, 2026 | -0.72 |
| Dec 31, 2025 | 2.34 |
| Sep 30, 2025 | 2.69 |
| Jun 30, 2025 | 0.58 |
| Mar 31, 2025 | -0.64 |
| Dec 31, 2024 | -0.64 |
| Sep 30, 2024 | -4.17 |
| Jun 30, 2024 | -4.84 |
| Mar 31, 2024 | -6.30 |
| Dec 31, 2023 | -3.38 |
| Sep 30, 2023 | -4.66 |
| Jun 30, 2023 | -7.79 |
| Mar 31, 2023 | -18.48 |
| Dec 31, 2022 | -12.94 |
| Sep 30, 2022 | -19.05 |
| Jun 30, 2022 | -13.88 |
| Mar 31, 2022 | 36.32 |
API Access
Upstart Holdings Interest Coverage Ratio API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=interest-coverage-ratio&ticker=UPST&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "interest-coverage-ratio", "ticker": "UPST", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=interest-coverage-ratio&ticker=UPST&period=max&api_key=YOUR_API_KEY");
const data = await res.json();