Upstart Holdings Ratios (2020-2026) | UPST

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Ratios	Jun2021	Sep2021	Dec2021	Mar2022	Jun2022	Sep2022	Dec2022	Mar2023	Jun2023	Sep2023	Dec2023	Mar2024	Jun2024	Sep2024	Dec2024	Mar2025	Jun2025	Sep2025	Dec2025	Mar2026
Profitability
Gross Margin (Quarter)	87.10%	83.38%	139.24%	84.58%	59.27%	74.89%	70.40%	60.56%	82.40%	77.48%	80.70%	74.54%	74.75%	73.34%	75.21%	78.16%	82.03%	80.74%	37.80%	80.11%
EBT Margin (Quarter)	19.38%	13.23%	23.01%	10.42%	-11.55%	-31.34%	-37.93%	-125.56%	-20.73%	-27.46%	-22.62%	-46.78%	-41.72%	-4.14%	-1.33%	-1.30%	2.20%	12.35%	7.22%	-2.37%
EBIT Margin (Quarter)	19.38%	13.59%	23.46%	11.09%	-12.43%	-32.39%	-39.82%	-128.09%	-24.56%	-29.88%	-25.38%	-48.87%	-42.51%	-27.85%	-2.38%	-2.42%	1.77%	9.15%	7.13%	-2.71%
EBITDA Margin (Quarter)	19.38%	13.59%	23.46%	11.09%	-12.43%	-32.39%	-39.82%	-128.09%	-24.56%	-29.88%	-25.38%	-48.87%	-42.51%	-27.85%	-2.38%	-2.42%	1.77%	9.15%	7.13%	-2.71%
Operating Margin (Quarter)	19.38%	13.59%	23.46%	11.09%	-12.43%	-32.39%	-39.82%	-128.09%	-24.56%	-29.88%	-25.38%	-48.87%	-42.51%	-27.85%	-2.38%	-2.42%	1.77%	9.15%	7.13%	-2.71%
Net Margin (Quarter)	19.91%	13.84%	22.89%	10.41%	-11.56%	-31.35%	-37.62%	-125.58%	-20.75%	-27.47%	-22.65%	-46.79%	-41.73%	-4.17%	-1.38%	-1.32%	2.18%	12.30%	7.03%	-2.40%
FCF Margin (Quarter)	48.58%	19.39%	-5.67%	-86.14%	-21.99%	-56.66%	-161.86%	-74.65%	160.04%	-73.49%	-77.10%	31.62%	54.32%	112.68%	-55.66%	-7.27%	-46.75%	-50.43%	43.76%	-49.64%
Efficiency
Assets Average (Quarter)	790.28M	1,255.36M	1,713.29M	1,904.02M	1,952.30M	1,916.16M	1,925.68M	1,878.89M	1,792.72M	1,882.75M	2,009.44M	1,972.38M	1,873.95M	1,814.60M	2,087.97M	2,331.62M	2,387.07M	2,691.36M	2,939.83M	2,968.24M
Equity Average (Quarter)	518.34M	717.59M	763.08M	841.79M	816.79M	737.82M	695.50M	649.82M	632.68M	639.45M	638.03M	624.05M	603.75M	595.12M	614.38M	654.93M	699.33M	732.86M	771.27M	765.99M
Invested Capital (Quarter)	722.15M	1,368.31M	1,502.51M	1,645.73M	1,613.63M	1,637.48M	1,658.83M	1,628.08M	1,568.80M	1,644.16M	1,675.73M	1,618.08M	1,507.44M	1,482.90M	2,035.39M	2,011.51M	2,150.49M	2,599.47M	2,627.96M	2,654.83M
Asset Utilization Ratio (Quarter)	0.57	0.47	0.45	0.51	0.53	0.53	0.47	0.37	0.32	0.28	0.28	0.31	0.32	0.34	0.30	0.29	0.34	0.33	0.33	0.36
Leverage & Solvency
Interest Coverage Ratio (Quarter)				36.32	-13.88	-19.05	-12.94	-18.48	-7.79	-4.66	-3.38	-6.30	-4.84	-4.17	-0.64	-0.64	0.58	2.69	2.34	-0.72
Equity Ratio (Quarter)	0.79	0.45	0.44	0.44	0.39	0.38	0.35	0.34	0.36	0.32	0.31	0.32	0.33	0.33	0.27	0.29	0.29	0.26	0.27	0.25
Times Interest Earned (Quarter)				36.32	-13.88	-19.05	-12.94	-18.48	-7.79	-4.66	-3.38	-6.30	-4.84	-4.17	-0.64	-0.64	0.58	2.69	2.34	-0.72
Dividends & Payouts
FCF Payout Ratio (Quarter)
Valuation
Enterprise Value (Quarter)											-364.18M	8.48M	11.20M	13.16M	-778.33M	-595.75M	-385.41M	-476.60M	-647.31M	-469.70M
Return Ratios
Return on Sales (Quarter)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-0.01%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Invested Capital (Quarter)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Assets (Quarter)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Equity (Quarter)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

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Upstart Holdings Ratios (2020-2026) | UPST

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