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
DateValue
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