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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) Net Margin (2020 - 2025)

Upstart Holdings (UPST) has disclosed Net Margin for 6 consecutive years, with 6.29% as the latest value for Q4 2025.

  • Quarterly Net Margin rose 767.0% to 6.29% in Q4 2025 from the year-ago period, while the trailing twelve-month figure was 5.37% through Dec 2025, up 2609.0% year-over-year, with the annual reading at 5.13% for FY2025, 2534.0% up from the prior year.
  • Net Margin for Q4 2025 was 6.29% at Upstart Holdings, down from 12.3% in the prior quarter.
  • The five-year high for Net Margin was 19.91% in Q2 2021, with the low at 110.34% in Q1 2023.
  • Average Net Margin over 5 years is 13.55%, with a median of 2.77% recorded in 2024.
  • The sharpest move saw Net Margin plummeted -12075bps in 2023, then soared 5979bps in 2024.
  • Over 5 years, Net Margin stood at 19.34% in 2021, then plummeted by -284bps to 35.52% in 2022, then rose by 22bps to 27.74% in 2023, then soared by 95bps to 1.38% in 2024, then skyrocketed by 558bps to 6.29% in 2025.
  • According to Business Quant data, Net Margin over the past three periods came in at 6.29%, 12.3%, and 2.18% for Q4 2025, Q3 2025, and Q2 2025 respectively.