Annual Gross Margin
96.77%1.62%+1.70%
Summary
- Current Value
- As of today, UPST annual gross margin is 96.77%, up +1.70% on
- Historical Performance
- UPST annual gross margin is up +100.00% over the past 3 years, and up +100.00% over the past 5 years
- All-Time High Comparison
- UPST annual gross margin is currently -1.66% below its historical high of 98.40% set on
- 3-Year Low Comparison
- UPST annual gross margin is +1.70% above its 3-year low of 95.15% reached on
- Sector Comparison
- UPST annual gross margin is higher than 96.31% of companies in Financial Services sector
Gross Margin Chart
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Series
SUGGESTED SERIES
Performance
| Metric | Date | Value | 1Y | 3Y | 5Y | 15Y |
|---|---|---|---|---|---|---|
| Annual Gross Margin | 96.77% | +1.7% | +100.0% | +100.0% | +100.0% | |
| Quarterly Gross Margin | 97.79% | +1.1% | +0.2% | +100.0% | +100.0% | |
| Price | $50.32 | -16.5% | +284.4% | -9.2% | – | |
| PE Ratio | 220.99 | – | – | -67.4% | – | |
| Annual Revenue | $636.53M | +23.9% | -25.0% | +287.7% | +1011.1% | |
| Annual Gross Profit | $615.98M | +26.1% | +100.0% | +100.0% | +100.0% | |
| Annual Operating Margin | -27.16% | +45.6% | -263.6% | -873.5% | -106.5% | |
| Annual Net Margin | -20.45% | +56.7% | -227.8% | -6951.7% | -47.4% |
Gross Margin Highs
| Period | High | Date | Current |
|---|---|---|---|
| 3Y | 98.40% | N/A | -1.7% |
| 5Y | 98.40% | -1.7% | |
| All | 98.40% | -1.7% |
Gross Margin Lows
| Period | Low | Date | Current |
|---|---|---|---|
| 3Y | 95.15% | +1.7% | |
| 5Y | 0.00% | N/A | |
| All | 0.00% | N/A |
Gross Margin History
| Year | Value | Change |
|---|---|---|
| 96.77% | +1.7% | |
| 95.15% | -3.3% | |
| 98.40% | >+9,900.0% | |
| 0.00% | 0.0% |
| Year | Value | Change |
|---|---|---|
| 0.00% | 0.0% | |
| 0.00% | 0.0% | |
| 0.00% | 0.0% | |
| 0.00% | - |
FAQ
What is the current annual gross margin of UPST?
As of today, UPST annual gross margin is 96.77%
What is 1-year change in UPST annual gross margin?
UPST annual gross margin is up +1.70% year-over-year
What is 3-year change in UPST annual gross margin?
UPST annual gross margin is up +100.00% over the past 3 years
How far is UPST annual gross margin from its all-time high?
UPST annual gross margin is currently -1.66% below its historical high of 98.40% set on December 31, 2022
How does UPST annual gross margin rank versus sector peers?
UPST annual gross margin is higher than 96.31% of companies in Financial Services sector
When is UPST next annual earnings release?
The next annual earnings release for UPST is on
Quarterly Gross Margin
97.79%0.06%+0.06%
Summary
- Current Value
- As of today, UPST quarterly gross margin is 97.79%, up +0.06% on
- Historical Performance
- UPST quarterly gross margin is up +1.15% year-over-year, and up +0.16% over the past 3 years
- All-Time High Comparison
- UPST quarterly gross margin is currently -1.32% below its historical high of 99.10% set on
- 3-Year Low Comparison
- UPST quarterly gross margin is +4.58% above its 3-year low of 93.51% reached on
- Sector Comparison
- UPST quarterly gross margin is higher than 96.60% of companies in Financial Services sector
Performance
| Metric | Date | Value | 3M | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|---|
| Quarterly Gross Margin | 97.79% | +0.1% | +1.1% | +0.2% | +100.0% | |
| Annual Gross Margin | 96.77% | – | +1.7% | +100.0% | +100.0% | |
| Price | $50.32 | -2.9% | -16.5% | +284.4% | -9.2% | |
| PE Ratio | 220.99 | -2.9% | – | – | -67.4% | |
| Quarterly Revenue | $277.11M | +7.7% | +70.9% | +76.2% | +324.0% | |
| Quarterly Gross Profit | $270.97M | +7.8% | +72.9% | +76.5% | +100.0% | |
| Quarterly Operating Margin | 8.54% | +382.5% | +130.7% | +123.1% | -54.3% | |
| Quarterly Net Margin | 11.48% | +426.6% | +375.3% | +132.1% | -22.4% |
Quarterly Gross Margin Highs
| Period | High | Date | Current |
|---|---|---|---|
| 1Y | 97.85% | N/A | -0.1% |
| 3Y | 97.85% | -0.1% | |
| 5Y | 99.10% | -1.3% | |
| All | 99.10% | -1.3% |
Quarterly Gross Margin Lows
| Period | Low | Date | Current |
|---|---|---|---|
| 1Y | 97.00% | +0.8% | |
| 3Y | 93.51% | +4.6% | |
| 5Y | 0.00% | N/A | |
| All | 0.00% | N/A |
Quarterly Gross Margin History
FAQ
What is the current quarterly gross margin of UPST?
As of today, UPST quarterly gross margin is 97.79%
What is UPST quarterly gross margin most recent change?
UPST quarterly gross margin was up +0.06% on September 30, 2025
What is 1-year change in UPST quarterly gross margin?
UPST quarterly gross margin is up +1.15% year-over-year
How far is UPST quarterly gross margin from its all-time high?
UPST quarterly gross margin is currently -1.32% below its historical high of 99.10% set on March 31, 2022
How does UPST quarterly gross margin rank versus sector peers?
UPST quarterly gross margin is higher than 96.60% of companies in Financial Services sector
When is UPST next earnings release?
The next earnings release for UPST is on
Gross Margin Formula
Gross Margin =
× 100%
× 100%
Data Sources & References
- UPST Official Website www.upstart.com
- Most Recent Quarterly Report (10-Q) www.sec.gov/Archives/edgar/data/1647639/000164763925000134/0001647639-25-000134-index.htm
- Most Recent Annual Report (10-K) www.sec.gov/Archives/edgar/data/1647639/000164763925000018/0001647639-25-000018-index.htm
- UPST Profile on Yahoo Finance finance.yahoo.com/quote/UPST
- UPST Profile on NASDAQ.com www.nasdaq.com/market-activity/stocks/upst