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EBITDA margin at other companies

Enova International logo
Enova InternationalENVA
24.8%+1.0pp
SoFi Technologies, Inc. logo
SoFi Technologies, Inc.SOFI
53.1%-1.3pp
Affirm Holdings, Inc. logo
Affirm Holdings, Inc.AFRM
18.3%+18.1pp
Dave, Inc. logo
Dave, Inc.DAVE
36.1%+17.3pp
nCino, Inc. logo
nCino, Inc.NCNO
11.1%+7.1pp
TransUnion logo
TransUnionTRU
30.4%-0.3pp

Other financials

Income statement

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Revenue$308.2M+44.4%
Operating income-$7.5M-67.2%
Net income-$6.6M-172%
EPS (diluted)-$0.07-133%

Balance sheet

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Cash & equivalents$931.3M+10.9%
Total debt$1.9B+40.3%
Total equity$733.2M+8.4%
Total assets$3.0B+29.0%

Cash flow

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Operating cash flow-$133.3M-888%
CapEx$2.8M
Free cash flow-$136.0M-909%

Valuation

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Market cap$3.12B-43.6%

Profitability

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Operating margin3.5%+1.9pp
Net margin4.3%+2.6pp
FCF margin27%+16.9pp

Returns & leverage

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Return on equity7%+4.4pp
Debt / equity2.6×+0.6×

Where this comes from

Calculated from Upstart Holdings, Inc.’s reported figures.

Based on trailing twelve months.

The official record: Upstart Holdings, Inc.’s 10-Q, filed May 5, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Upstart Holdings, Inc.'s EBITDA margin?
Upstart Holdings, Inc. (UPST) reported EBITDA margin of 5.6% in Q1 2026.
How has Upstart Holdings, Inc.'s EBITDA margin changed year-over-year?
Upstart Holdings, Inc.'s EBITDA margin increased by 145.8% year-over-year, from -12.3% to 5.6%.
What is the long-term trend for Upstart Holdings, Inc.'s EBITDA margin?
Over 5 years (2020 to 2025), Upstart Holdings, Inc.'s EBITDA margin has grown at a 1.4% compound annual growth rate (CAGR), from 6% to 6.5%.
What does EBITDA margin mean?
EBITDA (earnings before interest, taxes, depreciation, and amortization) as a percentage of revenue, trailing twelve months. A proxy for cash operating profitability that strips out capital-structure and non-cash charges.