Operating Margin of Upstart Holdings, Inc. from 31 Dec 2019 to 30 Sep 2025

Taxonomy & unit
ratio: %
Description
The operating margin measures the profit a company makes on a dollar of sales after accounting for the direct costs involved in earning those revenues.
Summary
Upstart Holdings, Inc. quarterly and annual Operating Margin in % history and change rate from 31 Dec 2019 to 30 Sep 2025.
  • Upstart Holdings, Inc. Operating Margin for the quarter ending 30 Sep 2025 was 2%.
  • Upstart Holdings, Inc. annual Operating Margin for 2024 was -27%, a 46% increase from 2023.
  • Upstart Holdings, Inc. annual Operating Margin for 2023 was -50%, a 270% decline from 2022.
  • Upstart Holdings, Inc. annual Operating Margin for 2022 was -14%, a 181% decline from 2021.
Operating Margin, Quarterly (%)
Operating Margin, YoY Quarterly Change (%)
Operating Margin, Annual (%)
Operating Margin, YoY Annual Change (%)

Upstart Holdings, Inc. Quarterly Operating Margin (%)

Period Value YoY Chg Change % Start Date End Date
Q3 2025 2% +41% 01 Jul 2025 30 Sep 2025
Q2 2025 -6% +35% +86% 01 Apr 2025 30 Jun 2025
Q1 2025 -15% +20% +57% 01 Jan 2025 31 Mar 2025
Q4 2024 -27% +23% +46% 01 Oct 2024 31 Dec 2024
Q3 2024 -39% +13% +25% 01 Jul 2024 30 Sep 2024
Q2 2024 -40% +11% +22% 01 Apr 2024 30 Jun 2024
Q1 2024 -36% +8% +19% 01 Jan 2024 31 Mar 2024
Q4 2023 -50% -36% -270% 01 Oct 2023 31 Dec 2023
Q3 2023 -51% -52% -10291% 01 Jul 2023 30 Sep 2023
Q2 2023 -52% -60% -706% 01 Apr 2023 30 Jun 2023
Q1 2023 -44% -60% -386% 01 Jan 2023 31 Mar 2023
Q4 2022 -14% -30% -181% 01 Oct 2022 31 Dec 2022
Q3 2022 1% -14% -97% 01 Jul 2022 30 Sep 2022
Q2 2022 9% -7% -46% 01 Apr 2022 30 Jun 2022
Q1 2022 15% +6% +68% 01 Jan 2022 31 Mar 2022
Q4 2021 17% +12% +229% 01 Oct 2021 31 Dec 2021
Q3 2021 14% 01 Jul 2021 30 Sep 2021
Q2 2021 16% 01 Apr 2021 30 Jun 2021
Q1 2021 9% 01 Jan 2021 31 Mar 2021
Q4 2020 5% 01 Oct 2020 31 Dec 2020

Upstart Holdings, Inc. Annual Operating Margin (%)

Period Value YoY Chg Change % Start Date End Date
2024 -27% +23% +46% 01 Jan 2024 31 Dec 2024
2023 -50% -36% -270% 01 Jan 2023 31 Dec 2023
2022 -14% -30% -181% 01 Jan 2022 31 Dec 2022
2021 17% +12% +229% 01 Jan 2021 31 Dec 2021
2020 5% +8% 01 Jan 2020 31 Dec 2020
2019 -3% 01 Jan 2019 31 Dec 2019
* An asterisk sign (*) next to the value indicates that the value is likely invalid.