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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 5.63% as the latest value for Q4 2025.

  • On a quarterly basis, Net Margin rose 689.0% to 5.63% in Q4 2025 year-over-year; TTM through Dec 2025 was 5.13%, a 2496.0% increase, with the full-year FY2025 number at 5.13%, up 2537.0% from a year prior.
  • Net Margin was 5.63% for Q4 2025 at Upstart Holdings, down from 12.3% in the prior quarter.
  • In the past five years, Net Margin ranged from a high of 20.51% in Q4 2021 to a low of 125.58% in Q1 2023.
  • A 5-year average of 13.63% and a median of 2.72% in 2024 define the central range for Net Margin.
  • Peak YoY movement for Net Margin: crashed -13612bps in 2023, then skyrocketed 7503bps in 2024.
  • Upstart Holdings' Net Margin stood at 20.51% in 2021, then crashed by -227bps to 26.1% in 2022, then decreased by -6bps to 27.74% in 2023, then skyrocketed by 95bps to 1.26% in 2024, then skyrocketed by 545bps to 5.63% in 2025.
  • Per Business Quant, the three most recent readings for UPST's Net Margin are 5.63% (Q4 2025), 12.3% (Q3 2025), and 2.33% (Q2 2025).