Upstart Holdings (UPST) Times Interest Earned (2021 - 2026)
Upstart Holdings (UPST) reported Times Interest Earned of -$0.72 for Q1 2026, down 13.2% year-over-year from -$0.84 in Q1 2025, and down 130.95% quarter-over-quarter from $2.34 in Q4 2025.
Upstart Holdings (UPST) Times Interest Earned (2021 - 2026) Analysis & Trends
Upstart Holdings (UPST) has 6 years of Times Interest Earned data on file, last reported at -$0.72 in Q1 2026.
- Times Interest Earned for Q1 2026 came in at -$0.72, down 13.2% year-over-year; the trailing twelve-month figure through Mar 2026 was $1.13 (up 137.82% YoY), and the FY2025 annual result was $1.35, up 131.49% from the prior year.
- Times Interest Earned fell to -$0.72 in Q1 2026 per UPST's latest filing, from $2.34 in the prior quarter.
- Over five years, Times Interest Earned peaked at $36.32 in Q1 2022 and troughed at -$19.05 in Q3 2022.
- A 5-year average of -$3.27 and a median of -$4.17 in 2024 frame the typical range for Times Interest Earned.
- The sharpest annual moves came in 2022 and 2023: Times Interest Earned jumped 1124.66% in 2022, then tumbled 150.89% in 2023.
- A 5-year view of Times Interest Earned shows it stood at -$12.94 in 2022, then surged by 73.9% to -$3.38 in 2023, then soared by 81.07% to -$0.64 in 2024, then jumped by 466.39% to $2.34 in 2025, then tumbled 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 Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Times Interest Earned (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 40.64 |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 26.52 |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 1.80 |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 1.66 |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | - |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 2.08 |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 0.78 |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 0.12 |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 0.49 |
| 10 | Upstart Holdings | 2.88 Bn | 2.41 Bn | 221.97 Mn | -0.72 |
Historic Data
Download Data| Date | Value |
|---|---|
| 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 |