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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) Return on Invested Capital (2021 - 2025)

Upstart Holdings (UPST) has disclosed Return on Invested Capital for 5 consecutive years, with 0.05% as the latest value for Q4 2025.

  • On a quarterly basis, Return on Invested Capital rose 17.0% to 0.05% in Q4 2025 year-over-year; TTM through Dec 2025 was 0.05%, a 17.0% increase, with the full-year FY2024 number at 0.09%, up 6.0% from a year prior.
  • Return on Invested Capital was 0.05% for Q4 2025 at Upstart Holdings, up from 0.01% in the prior quarter.
  • In the past five years, Return on Invested Capital ranged from a high of 0.14% in Q2 2021 to a low of 0.44% in Q2 2023.
  • A 5-year average of 0.06% and a median of 0.06% in 2025 define the central range for Return on Invested Capital.
  • Peak YoY movement for Return on Invested Capital: crashed -50bps in 2023, then skyrocketed 31bps in 2024.
  • Upstart Holdings' Return on Invested Capital stood at 0.13% in 2021, then crashed by -174bps to 0.1% in 2022, then tumbled by -62bps to 0.15% in 2023, then rose by 23bps to 0.12% in 2024, then soared by 140bps to 0.05% in 2025.
  • Per Business Quant, the three most recent readings for UPST's Return on Invested Capital are 0.05% (Q4 2025), 0.01% (Q3 2025), and 0.04% (Q2 2025).