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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)

Historic Net Margin for Upstart Holdings (UPST) over the last 6 years, with Q4 2025 value amounting to 6.29%.

  • Upstart Holdings' Net Margin rose 76700.0% to 6.29% in Q4 2025 from the same period last year, while for Dec 2025 it was 5.13%, marking a year-over-year increase of 253400.0%. This contributed to the annual value of 5.13% for FY2025, which is 253400.0% up from last year.
  • As of Q4 2025, Upstart Holdings' Net Margin stood at 6.29%, which was up 76700.0% from 11.48% recorded in Q3 2025.
  • Over the past 5 years, Upstart Holdings' Net Margin peaked at 19.34% during Q4 2021, and registered a low of 110.34% during Q1 2023.
  • Its 5-year average for Net Margin is 13.43%, with a median of 2.7% in 2024.
  • As far as peak fluctuations go, Upstart Holdings' Net Margin tumbled by -1207500bps in 2023, and later soared by 635500bps in 2024.
  • Quarter analysis of 5 years shows Upstart Holdings' Net Margin stood at 19.34% in 2021, then crashed by -284bps to 35.52% in 2022, then increased by 22bps to 27.74% in 2023, then skyrocketed by 95bps to 1.38% in 2024, then soared by 558bps to 6.29% in 2025.
  • Its Net Margin was 6.29% in Q4 2025, compared to 11.48% in Q3 2025 and 2.18% in Q2 2025.