Upstart Holdings Ratios (2019-2025) | UPST

Ratios Dec2019 Mar2020 Jun2020 Sep2020 Dec2020 Mar2021 Jun2021 Sep2021 Dec2021 Mar2022 Jun2022 Sep2022 Dec2022 Mar2023 Jun2023 Sep2023 Dec2023 Mar2024 Jun2024 Sep2024 Dec2024 Mar2025 Jun2025 Sep2025 Dec2025
Profitability
Gross Margin 47.14%61.85%63.70%60.16%59.31%60.86%59.14%62.34%57.50%59.27%68.57%67.38%65.35%74.39%74.85%76.37%71.46%70.36%74.21%75.34%72.36%71.59%71.55%69.41%
EBT Margin 1.46%-35.20%14.79%1.61%8.51%18.71%12.19%19.44%10.42%-11.55%-31.34%-35.81%-110.33%-19.59%-27.46%-27.70%-46.78%-41.72%-4.01%-1.32%-1.13%2.20%11.52%6.47%
EBIT Margin 0.81%-65.63%18.68%11.99%12.83%18.71%12.52%19.82%11.09%-12.43%-32.39%-37.60%-112.54%-23.21%-29.88%-31.08%-48.87%-42.51%-26.94%-2.37%-2.11%1.77%8.54%6.39%
EBITDA Margin 0.81%-65.63%18.68%11.99%12.83%18.71%12.52%19.82%11.09%-12.43%-32.39%-37.60%-112.54%-23.21%-29.88%-31.08%-48.87%-42.51%-26.94%-2.37%-2.11%1.77%8.54%6.39%
Operating Margin 0.81%-65.63%18.68%11.99%12.83%18.71%12.52%19.82%11.09%-12.43%-32.39%-37.60%-112.54%-23.21%-29.88%-31.08%-48.87%-42.51%-26.94%-2.37%-2.11%1.77%8.54%6.39%
Net Margin 1.46%-35.20%14.79%1.18%8.33%19.22%12.74%19.34%10.41%-11.56%-31.35%-35.52%-110.34%-19.60%-27.47%-27.74%-46.79%-41.73%-4.03%-1.38%-1.15%2.18%11.48%6.29%
FCF Margin -128.48%87.49%25.11%77.54%35.24%46.92%17.86%-4.79%-86.14%-21.99%-58.76%-153.80%-68.36%149.87%-75.31%-96.19%31.34%54.61%105.59%-57.08%-9.21%-48.35%-45.66%35.39%
Efficiency
Assets Average 576.61M790.28M1,255.36M1,713.29M1,904.02M1,952.30M1,916.16M1,925.68M1,878.89M1,792.72M1,882.75M2,009.44M1,972.38M1,873.95M1,814.60M2,087.97M2,331.62M2,387.07M2,691.36M2,939.83M
Equity Average 310.42M518.34M717.59M763.08M841.79M816.79M737.82M695.50M649.82M632.68M639.45M638.03M624.05M603.75M595.12M614.38M654.93M699.33M732.86M771.27M
Invested Capital 362.88M362.48M722.15M1,368.31M1,502.51M1,645.73M1,613.63M1,637.48M1,658.83M1,628.08M1,568.80M1,644.16M1,675.73M1,618.08M1,507.44M1,482.90M2,035.39M2,011.51M2,150.49M2,599.47M2,627.96M
Asset Utilization Ratio 0.500.590.500.500.550.570.550.470.380.330.300.280.290.300.320.300.310.350.350.36
Leverage & Solvency
Interest Coverage Ratio 2.9736.32-13.88-19.05-12.94-18.48-7.79-4.66-3.38-6.30-4.84-4.17-0.64-0.640.582.692.34
Debt to Equity 0.15
Debt Ratio -0.040.10
Equity Ratio 0.630.470.790.450.440.440.390.380.350.340.360.320.310.320.330.330.270.290.290.260.27
Times Interest Earned 2.9736.32-13.88-19.05-12.94-18.48-7.79-4.66-3.38-6.30-4.84-4.17-0.64-0.640.582.692.34
Dividends & Payouts
FCF Payout Ratio 0.000.02
Valuation
Enterprise Value -122.24M-80.07M-364.18M8.48M11.20M13.16M-778.33M-595.75M-385.41M-476.60M-647.31M
Return Ratios
Return on Sales 0.01%-0.35%0.15%0.01%0.08%0.19%0.13%0.19%0.10%-0.12%-0.31%-0.36%-1.10%-0.20%-0.27%-0.28%-0.47%-0.42%-0.04%-0.01%-0.01%0.02%0.11%0.06%
Return on Invested Capital 0.07%0.14%0.09%0.10%0.10%0.06%0.00%-0.07%-0.17%-0.18%-0.17%-0.15%-0.12%-0.14%-0.14%-0.10%-0.05%-0.02%0.01%0.02%
Return on Assets 0.03%0.07%0.06%0.08%0.08%0.05%0.00%-0.06%-0.14%-0.15%-0.13%-0.12%-0.09%-0.11%-0.09%-0.06%-0.03%0.00%0.01%0.02%
Return on Equity 0.05%0.11%0.11%0.18%0.19%0.11%0.01%-0.16%-0.42%-0.43%-0.40%-0.38%-0.28%-0.33%-0.28%-0.21%-0.10%-0.01%0.04%0.07%