Upstart Holdings (UPST) Times Interest Earned (2020 - 2026)
Upstart Holdings (UPST) posted quarterly Times Interest Earned of -$0.72 for Q1 2026, down 18.97% year-over-year from -$0.89 in Q1 2025, and down 130.95% quarter-over-quarter from $2.34 in Q4 2025.
Upstart Holdings (UPST) Times Interest Earned (2020 - 2026) Analysis & Trends
Upstart Holdings (UPST) has reported Times Interest Earned for 7 consecutive years, with -$0.72 the latest figure, recorded in Q1 2026.
- In Q1 2026, Times Interest Earned fell 18.97% year-over-year to -$0.72; the TTM figure through Mar 2026 stood at $1.14 (up 136.76% YoY), while the FY2025 annual figure was $0.17, up 150.81% from the prior year.
- Times Interest Earned eased to -$0.72 in Q1 2026 per UPST's latest filing, from $2.34 in the prior quarter.
- Across five years, Times Interest Earned topped out at $16.88 in Q1 2022 and bottomed at -$20.23 in Q4 2022.
- Historically, Times Interest Earned has averaged -$4.53 across 5 years, with a median of -$4.17 in 2024.
- Annual changes were most pronounced in 2022 — Times Interest Earned jumped 469.29% — and 2023, when it plunged 198.1%.
- Upstart Holdings' Times Interest Earned stood at -$20.23 in 2022, then surged by 85.07% to -$3.02 in 2023, then jumped by 72.12% to -$0.84 in 2024, then surged by 377.99% to $2.34 in 2025, then plunged by 130.95% to -$0.72 in 2026.
- Business Quant data shows UPST's Times Interest Earned at -$0.72 in Q1 2026, $2.34 in Q4 2025, and $2.69 in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Times Interest Earned (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 35.45 |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 25.63 |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 1.79 |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | 1.53 |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 1.46 |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 2.22 |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | 0.78 |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | -3.03 |
| 10 | Upstart Holdings | 2.89 Bn | 2.44 Bn | 303.39 Mn | 0.10 |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 1.17 |
| Mar 31, 2026 | -0.72 |
| Dec 31, 2025 | 2.34 |
| Sep 30, 2025 | 2.69 |
| Jun 30, 2025 | 0.01 |
| Mar 31, 2025 | -0.61 |
| Dec 31, 2024 | -0.84 |
| Sep 30, 2024 | -4.17 |
| Jun 30, 2024 | -4.84 |
| Mar 31, 2024 | -5.41 |
| Dec 31, 2023 | -3.02 |
| Sep 30, 2023 | -4.66 |
| Jun 30, 2023 | -7.79 |
| Mar 31, 2023 | -16.56 |
| Dec 31, 2022 | -20.23 |
| Sep 30, 2022 | -18.17 |
| Jun 30, 2022 | -11.86 |
| Mar 31, 2022 | 16.88 |
| Dec 31, 2021 | -12,082.80 |
| Sep 30, 2021 | 24.93 |