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1.9%EBITDA Margin
VS
Market
31
Sector
11
Industry
7
History
69
$ 51.81Close
$ 34.8 - $ 88.77 52-Week Range
Ticker Information

Ticker

UPST

Company Name

UPSTART HOLDINGS INC

Sector

Financial Services

Industry

Credit Services

Exchange

NASDAQ

UPSTART HOLDINGS INC - EBITDA Margin Chart Analysis (TTM)

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UPST - EBITDA % Historical data
DateEarnings Before Interest Taxes & Depreciation Amortization (EBITDA)EBITDA MarginRevenues
6/30/2025$ 16.21M1.9%$ 851.77M
3/31/2025$ -44.91M-6.22%$ 722.11M
12/31/2024$ -107.85M-16.94%$ 636.53M
9/30/2024$ -143.13M-25.66%$ 557.88M
6/30/2024$ -177.18M-33.41%$ 530.29M
3/31/2024$ -151.28M-28.1%$ 538.43M
12/31/2023$ -215.12M-41.89%$ 513.56M
9/30/2023$ -233.96M-44.98%$ 520.16M
6/30/2023$ -251.08M-46.25%$ 542.84M
3/31/2023$ -253.85M-39.96%$ 635.24M
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Key Performance Insights, Last 5 Years

  • UPSTART HOLDINGS INC's latest trailing twelve months (TTM) EBITDA % stands at 3.7%.
  • Over the past 5 years, UPSTART HOLDINGS INC's average EBITDA % has been -13.67%.
  • The median EBITDA % for UPSTART HOLDINGS INC during this period was -11.34%
  • UPSTART HOLDINGS INC reached its highest EBITDA % over the past 5 years at 16.65%.
  • The lowest EBITDA % recorded by UPSTART HOLDINGS INC in the same timeframe -46.25%

UPSTART HOLDINGS INC's EBITDA % vs. competitors

We picked the following companies as peers based on multiple factors, including sector, industry, market capitalization and revenue

EBITDA % Benchmarks
CompanyEBITDA %
SLM : SLM CORP 48.42%MKTX : MARKETAXESS HOLDINGS INC 54.2%LC : LENDINGCLUB CORP 18.22%HLNE : HAMILTON LANE INC 42.3%MARA : MARA HOLDINGS INC 178.9%NAVI : NAVIENT CORP 6.56%GBCI : GLACIER BANCORP INC 35.97%HOMB : HOME BANCSHARES INC 58.13%AUB : ATLANTIC UNION BANKSHARES CORP 28.24%IBOC : INTERNATIONAL BANCSHARES CORP 65.54%

Definition of EBITDA Margin

[Calculation] A company’s [EBITDA] as a percentage of [Revenue]. Measures how much earnings a company produces for each dollar of revenue generated before interest, taxes, depreciation and amortization.
EBITDA / Revenues
(=) EBITDA %
EBITDA % for UPSTART HOLDINGS INC is calculated as follows: EBITDA [ $ 8.63M ] / Revenues [ $ 233.42M ]
(=) EBITDA % [ 3.7% ]

UPST - EBITDA Margin, Last 5 years

-46.25%

Minimum

Jun 30, 2023

16.65%

Maximum

Dec 31, 2021

-13.67%

Average

-11.34%

Median

EBITDA % Benchmark Analysis

The chart above depicts the distribution of EBITDA % for companies in the Total Stock Market. The average EBITDA % of the companies is 16.22% with a standard deviation of 26.68%.
The following table provides additional summary stats:
EBITDA % in the Market:
filtered constituents3.29K
min-74.33%
max97.24%
average16.22%
median14.72%
std26.68%