Upstart Holdings (UPST) Times Interest Earned (2021 - 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.
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Upstart Holdings (UPST) Times Interest Earned (2021 - 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.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Times Interest Earned (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 35.45 |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 25.63 |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 1.79 |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 1.95 |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | - |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 1.24 |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 2.22 |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 0.05 |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 0.50 |
| 10 | Upstart Holdings | 2.83 Bn | 2.38 Bn | 303.39 Mn | 1.17 |
Historic Data
Download Data
Historic 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 | 0.58 |
| Mar 31, 2025 | -0.64 |
| Dec 31, 2024 | -0.64 |
| Sep 30, 2024 | -4.17 |
| Jun 30, 2024 | -4.84 |
| Mar 31, 2024 | -6.30 |
| Dec 31, 2023 | -3.38 |
| Sep 30, 2023 | -4.66 |
| Jun 30, 2023 | -7.79 |
| Mar 31, 2023 | -18.48 |
| Dec 31, 2022 | -12.94 |
| Sep 30, 2022 | -19.05 |
| Jun 30, 2022 | -13.88 |
| Mar 31, 2022 | 36.32 |
| Mar 31, 2021 | 2.97 |