Upstart Holdings, Inc.
UPST
Rank in Stocks
#5660
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based... Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.
Share Price
$22.25
Last synced: 2026-11-09
Market Cap
$2.17B
Change (1 day)
1.64%
Change (1 year)
-42.85%
Country
Stock data: Financial Modeling PrepΒ·Updated Β·Not investment adviceΒ·How we calculate this
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Category
Financial Services
Operating Margin for Upstart Holdings, Inc. (UPST)
Operating Margin as of November 2026 TTM: 4.80%
According to Upstart Holdings, Inc.'s latest financial reports, its current operating margin (TTM) is 4.80%. At the end of 2025 the company had an operating margin of 5.05%.
Operating Margin history for Upstart Holdings, Inc. from 2017 to 2026
Operating Margin at the end of each year
| Year | Operating Margin | Change |
|---|---|---|
| 2026 (TTM) | 4.80% | -4.95% |
| 2025 | 5.05% | -126.62% |
| 2024 | -18.97% | -56.71% |
| 2023 | -43.82% | 242.88% |
| 2022 | -12.78% | -181.19% |
| 2021 | 15.74% | 507.72% |
| 2020 | 2.59% | -199.23% |
| 2019 | -2.61% | -68.71% |
| 2018 | -8.34% | -38.40% |
| 2017 | -13.54% | 0.00% |
Operating Margin for similar companies or competitors
| Company | Operating Margin | Operating Margin Difference | Country |
|---|---|---|---|
| 61.24% | -87.24% |
US
|
|
| 58.76% | -87.76% |
US
|
|
| 27.55% | -94.26% |
US
|
|
| 21.12% | -95.60% |
US
|
|
| 39.84% | -91.70% |
IN
|
What is a company's Operating Margin?
The operating margin is a key indicator to assess the profitability of a company. Higher operating margins are generaly better as they show that a company is able to sell its products or services for much more than their production costs. The operating margin is calculated by dividing a company's earnings by its revenue.
Questions about Upstart Holdings, Inc.'s operating margin
What is Upstart Holdings, Inc.'s operating margin?
Upstart Holdings, Inc.'s operating margin is 4.80%, as of Nov 2026.
What was Upstart Holdings, Inc.'s operating margin in 2025?
In 2025, Upstart Holdings, Inc.'s operating margin was 5.05%, compared with -18.97% in 2024.
How has Upstart Holdings, Inc.'s operating margin changed since 2020?
From 2020 to 2025, Upstart Holdings, Inc.'s operating margin was highest in 2021 (15.74%) and lowest in 2023 (-43.82%).
How does Upstart Holdings, Inc.'s operating margin compare with similar companies?
Upstart Holdings, Inc.'s operating margin (4.80%) is lower than that of all 5 similar companies listed above. The highest among them is Visa Inc., with 61.24%.