Annual Operating Margin
-27.16%22.79%+45.63%
Summary
- Current Value
- As of today, UPST annual operating margin is -27.16%, up +45.63% on
- Historical Performance
- UPST annual operating margin is down -263.61% over the past 3 years, and down -873.48% over the past 5 years
- All-Time High Comparison
- UPST annual operating margin is currently -263.61% below its historical high of 16.60% set on
- 3-Year Low Comparison
- UPST annual operating margin is +45.63% above its 3-year low of -49.95% reached on
- Sector Comparison
- UPST annual operating margin is higher than 8.97% of companies in Financial Services sector
Operating Margin Chart
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Series
SUGGESTED SERIES
Performance
| Metric | Date | Value | 1Y | 3Y | 5Y | 15Y |
|---|---|---|---|---|---|---|
| Annual Operating Margin | -27.16% | +45.6% | -263.6% | -873.5% | -106.5% | |
| Quarterly Operating Margin | 8.54% | +130.7% | +123.1% | -54.3% | +147.4% | |
| 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 Operating Profit | -$172.86M | +32.6% | -222.7% | -3678.3% | -2193.7% | |
| Annual Gross Margin | 96.77% | +1.7% | +100.0% | +100.0% | +100.0% | |
| Annual Net Margin | -20.45% | +56.7% | -227.8% | -6951.7% | -47.4% |
Operating Margin Highs
| Period | High | Date | Current |
|---|---|---|---|
| 3Y | -13.52% | N/A | -100.9% |
| 5Y | 16.60% | -263.6% | |
| All | 16.60% | -263.6% |
Operating Margin Lows
| Period | Low | Date | Current |
|---|---|---|---|
| 3Y | -49.95% | +45.6% | |
| 5Y | -49.95% | +45.6% | |
| All | -49.95% | +45.6% |
Operating Margin History
| Year | Value | Change |
|---|---|---|
| -27.16% | +45.6% | |
| -49.95% | -269.5% | |
| -13.52% | -181.4% | |
| 16.60% | +229.4% |
| Year | Value | Change |
|---|---|---|
| 5.04% | +280.6% | |
| -2.79% | +65.3% | |
| -8.03% | +38.9% | |
| -13.15% | - |
FAQ
What is the current annual operating margin of UPST?
As of today, UPST annual operating margin is -27.16%
What is 1-year change in UPST annual operating margin?
UPST annual operating margin is up +45.63% year-over-year
What is 3-year change in UPST annual operating margin?
UPST annual operating margin is down -263.61% over the past 3 years
How far is UPST annual operating margin from its all-time high?
UPST annual operating margin is currently -263.61% below its historical high of 16.60% set on December 31, 2021
How does UPST annual operating margin rank versus sector peers?
UPST annual operating margin is higher than 8.97% of companies in Financial Services sector
When is UPST next annual earnings release?
The next annual earnings release for UPST is on
Quarterly Operating Margin
8.54%6.77%+382.49%
Summary
- Current Value
- As of today, UPST quarterly operating margin is 8.54%, up +382.49% on
- Historical Performance
- UPST quarterly operating margin is up +130.66% year-over-year, and up +123.11% over the past 3 years
- All-Time High Comparison
- UPST quarterly operating margin is currently -56.91% below its historical high of 19.82% set on
- 3-Year Low Comparison
- UPST quarterly operating margin is +106.67% above its 3-year low of -128.09% reached on
- Sector Comparison
- UPST quarterly operating margin is higher than 19.18% of companies in Financial Services sector
Performance
| Metric | Date | Value | 3M | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|---|
| Quarterly Operating Margin | 8.54% | +382.5% | +130.7% | +123.1% | -54.3% | |
| Annual Operating Margin | -27.16% | – | +45.6% | -263.6% | -873.5% | |
| 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 Operating Profit | $23.67M | +421.1% | +152.4% | +140.7% | +93.9% | |
| Quarterly Gross Margin | 97.79% | +0.1% | +1.1% | +0.2% | +100.0% | |
| Quarterly Net Margin | 11.48% | +426.6% | +375.3% | +132.1% | -22.4% |
Quarterly Operating Margin Highs
| Period | High | Date | Current |
|---|---|---|---|
| 1Y | 8.54% | at high | |
| 3Y | 8.54% | at high | |
| 5Y | 19.82% | -56.9% | |
| All | 19.82% | -56.9% |
Quarterly Operating Margin Lows
| Period | Low | Date | Current |
|---|---|---|---|
| 1Y | -2.17% | N/A | +493.6% |
| 3Y | -128.09% | +106.7% | |
| 5Y | -128.09% | +106.7% | |
| All | -128.09% | +106.7% |
Quarterly Operating Margin History
FAQ
What is the current quarterly operating margin of UPST?
As of today, UPST quarterly operating margin is 8.54%
What is UPST quarterly operating margin most recent change?
UPST quarterly operating margin was up +382.49% on September 30, 2025
What is 1-year change in UPST quarterly operating margin?
UPST quarterly operating margin is up +130.66% year-over-year
How far is UPST quarterly operating margin from its all-time high?
UPST quarterly operating margin is currently -56.91% below its historical high of 19.82% set on December 31, 2021
How does UPST quarterly operating margin rank versus sector peers?
UPST quarterly operating margin is higher than 19.18% of companies in Financial Services sector
When is UPST next earnings release?
The next earnings release for UPST is on
Operating Margin Formula
Operating Profit 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