Last 27 quarters of trend data · Financial Services · Consumer Finance
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 42.17 | 17.42 | 55.36 | — | 64.31 | 50.80 | 296.70 | — | — | — | — | — | — | — | — | — | — | — | — | 80.21 | 63.04 |
| — | -65.7% | -81.3% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | -72.6% | -75.6% | |
| P/S Ratio | 1.59 | 1.95 | 2.66 | 2.02 | 4.44 | 5.03 | 6.46 | 5.08 | 6.72 | 5.56 | 4.09 | 4.58 | 6.48 | 4.48 | 5.48 | 3.16 | 1.91 | 2.70 | 2.90 | 8.39 | 12.31 |
| — | -61.3% | -58.8% | -60.3% | -33.9% | -9.5% | +58.2% | +11.1% | +3.6% | +24.2% | -25.5% | +44.8% | +239.2% | +65.8% | +88.7% | -62.3% | -84.5% | -92.0% | -81.1% | -65.6% | +260.8% | |
| P/B Ratio | 2.95 | 3.25 | 4.87 | 3.39 | 6.14 | 7.49 | 9.21 | 6.41 | 8.96 | 6.05 | 3.51 | 3.82 | 5.50 | 3.76 | 4.66 | 2.08 | 1.62 | 2.36 | 3.50 | 11.88 | 18.52 |
| — | -56.7% | -47.1% | -47.1% | -31.5% | +23.8% | +162.7% | +67.9% | +62.9% | +61.0% | -24.8% | +84.0% | +240.4% | +59.1% | +33.2% | -82.5% | -91.3% | -94.5% | -79.0% | -67.8% | +424.9% | |
| P/FCF | — | — | — | — | 11.73 | — | — | — | — | 5.10 | 7.32 | 13.74 | — | — | 3.46 | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | +111.8% | — | — | — | — | — | — | — | — | — | — | |
| EV / EBITDA | 31.56 | 20.62 | 56.17 | — | 59.52 | 45.82 | 167.93 | 321.20 | 770.56 | — | — | — | — | — | — | — | — | — | — | 74.07 | 59.64 |
| — | -55.0% | -66.6% | — | -92.3% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | -71.6% | -44.7% | |
| EV / EBIT | 60.52 | 23.20 | 79.51 | — | 79.59 | 54.62 | 341.42 | — | — | — | — | — | — | — | — | — | — | — | — | 80.37 | 62.22 |
| — | -57.5% | -76.7% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | -71.5% | -60.6% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 100.0% | 103.5% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| — | +3.5% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Operating Margin | 5.3% | 13.2% | 4.7% | -2.1% | 6.9% | 11.5% | 2.2% | -1.1% | -1.3% | -4.1% | -42.7% | -50.5% | -31.4% | -30.0% | -20.7% | -125.6% | -39.2% | -35.8% | -13.1% | 10.5% | 19.5% |
| — | +14.5% | +113.9% | -87.9% | +654.3% | +378.3% | +105.2% | +97.8% | +96.0% | +86.2% | -105.8% | +59.8% | +19.9% | +16.2% | -58.5% | -1290.5% | -300.8% | -393.3% | -169.9% | +24.0% | +984.2% | |
| Net Margin | 5.2% | 9.9% | 4.5% | -2.2% | 6.7% | 11.5% | 2.2% | -1.1% | -1.3% | -4.2% | -42.7% | -50.5% | -31.4% | -30.0% | -20.7% | -125.6% | -38.9% | -35.8% | -13.1% | 10.5% | 19.4% |
| — | -14.0% | +108.1% | -88.0% | +617.4% | +375.4% | +105.1% | +97.7% | +95.9% | +86.1% | -105.7% | +59.7% | +19.1% | +16.2% | -58.5% | -1291.3% | -300.2% | -380.6% | -168.1% | +26.6% | +1367.8% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.5% | 4.3% | 2.2% | -0.9% | 2.4% | 4.3% | 0.8% | -0.4% | -0.4% | -1.1% | -9.0% | -10.4% | -6.6% | -6.3% | -4.5% | -19.9% | -7.9% | -7.6% | -3.7% | 3.9% | 7.7% |
| — | +0.0% | +169.5% | -132.2% | +638.9% | +482.2% | +108.9% | +96.4% | +93.3% | +82.0% | -102.7% | +48.0% | +16.4% | +17.3% | -21.7% | -612.2% | -202.9% | -287.8% | -150.8% | +19.3% | +797.1% | |
| ROA | 2.0% | 1.1% | 0.5% | -0.2% | 0.6% | 1.2% | 0.2% | -0.1% | -0.1% | -0.4% | -2.9% | -3.3% | -2.1% | -2.1% | -1.6% | -6.9% | -2.9% | -2.9% | -1.5% | 1.7% | 3.4% |
| — | -4.9% | +129.6% | -113.4% | +580.6% | +417.3% | +108.1% | +96.8% | +93.7% | +82.6% | -85.0% | +52.4% | +26.5% | +27.0% | -2.7% | -500.7% | -183.4% | -226.5% | -128.6% | -17.9% | +1358.4% | |
| ROIC | 1.7% | 1.3% | 0.5% | -0.2% | 0.5% | 1.0% | 0.2% | -0.1% | -0.1% | -0.3% | -2.5% | -2.8% | -1.8% | -1.8% | -1.2% | -5.6% | -2.4% | -2.4% | -1.3% | 1.5% | 2.9% |
| — | +27.1% | +134.7% | -111.4% | +596.3% | +405.0% | +107.9% | +96.9% | +94.0% | +81.7% | -102.5% | +49.0% | +23.6% | +27.3% | +3.8% | -479.4% | -181.8% | -227.6% | -126.6% | -27.8% | +535.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 2.32 | 2.38 | 2.54 | 2.64 | 2.32 | 2.55 | 2.04 | 2.04 | 2.29 | 1.58 | 1.63 | 1.74 | 1.74 | 1.71 | 1.61 | 1.75 | 1.62 | 1.42 | 1.26 | 0.99 | 0.99 |
| — | -6.6% | +24.6% | +29.5% | +1.0% | +61.4% | +25.1% | +17.6% | +32.1% | -7.7% | +1.3% | -0.9% | +7.4% | +20.8% | +27.4% | +76.8% | +64.0% | +41.3% | +3695.5% | +425.4% | +260.8% | |
| Debt / EBITDA | 23.37 | 38.44 | 83.43 | — | 72.21 | 49.82 | 128.04 | 347.05 | 706.79 | — | — | — | — | — | — | — | — | — | — | 24.49 | 12.87 |
| — | -22.9% | -34.8% | — | -89.8% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | +350.8% | -67.9% | |
| Current Ratio | 2.99 | 5.57 | 2.03 | 2.42 | 2.99 | 2.63 | 1.85 | 2.67 | 2.36 | 2.15 | 1.45 | 0.97 | 0.98 | 1.48 | 1.61 | 1.20 | 1.25 | 2.33 | 3.07 | 4.22 | 7.77 |
| — | +112.0% | +9.5% | -9.4% | +26.7% | +22.2% | +27.7% | +176.0% | +140.1% | +45.4% | -10.1% | -19.4% | -21.6% | -36.5% | -47.4% | -71.6% | -83.9% | -85.9% | -63.0% | -24.6% | +108.0% | |
| Quick Ratio | 2.99 | 5.57 | 2.03 | 2.42 | 2.99 | 2.63 | 1.85 | 2.67 | 2.36 | 2.15 | 1.45 | 0.97 | 0.98 | 1.48 | 1.61 | 1.20 | 1.25 | 2.33 | 3.07 | 4.22 | 7.77 |
| — | +112.0% | +9.5% | -9.4% | +26.7% | +22.2% | +27.7% | +176.0% | +140.1% | +45.4% | -10.1% | -19.4% | -21.6% | -36.5% | -47.4% | -71.6% | -83.9% | -85.9% | -63.0% | -24.6% | +108.0% | |
| Interest Coverage | 1.05 | 3.80 | 1.37 | -0.63 | 0.69 | 3.63 | 0.73 | -0.34 | -0.17 | -0.62 | -4.75 | -6.03 | -3.01 | -4.28 | -6.57 | -18.12 | -12.33 | -18.43 | -12.90 | 34.11 | 123.99 |
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Includes 30+ ratios · 27 years · Updated daily
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Quick answers to the most common questions about buying UPST stock.
Upstart Holdings, Inc.'s current P/E is 42.2x. The average P/E over the last 3 quarters is 45.7x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Upstart Holdings, Inc.'s current operating margin is 5.3%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Upstart Holdings, Inc.'s business trajectory between earnings reports.