GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » Upstart Holdings Inc (NAS:UPST) » Definitions » Net Margin %

Upstart Holdings (Upstart Holdings) Net Margin % : -31.44% (As of Dec. 2023)


View and export this data going back to 2020. Start your Free Trial

What is Upstart Holdings Net Margin %?

Net margin is calculated as Net Income divided by its Revenue. Upstart Holdings's Net Income for the three months ended in Dec. 2023 was $-42.4 Mil. Upstart Holdings's Revenue for the three months ended in Dec. 2023 was $134.9 Mil. Therefore, Upstart Holdings's net margin for the quarter that ended in Dec. 2023 was -31.44%.

The historical rank and industry rank for Upstart Holdings's Net Margin % or its related term are showing as below:

UPST' s Net Margin % Range Over the Past 10 Years
Min: -47.26   Med: -12.89   Max: 16
Current: -47.26


UPST's Net Margin % is ranked worse than
88.15% of 523 companies
in the Credit Services industry
Industry Median: 15.21 vs UPST: -47.26

Upstart Holdings Net Margin % Historical Data

The historical data trend for Upstart Holdings's Net Margin % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Upstart Holdings Net Margin % Chart

Upstart Holdings Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Net Margin %
Get a 7-Day Free Trial -0.29 2.69 16.00 -12.97 -47.26

Upstart Holdings Quarterly Data
Dec17 Dec18 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
Net Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -38.85 -125.58 -20.75 -29.96 -31.44

Competitive Comparison of Upstart Holdings's Net Margin %

For the Credit Services subindustry, Upstart Holdings's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Upstart Holdings's Net Margin % Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Upstart Holdings's Net Margin % distribution charts can be found below:

* The bar in red indicates where Upstart Holdings's Net Margin % falls into.



Upstart Holdings Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

Upstart Holdings's Net Margin for the fiscal year that ended in Dec. 2023 is calculated as

Net Margin=Net Income (A: Dec. 2023 )/Revenue (A: Dec. 2023 )
=-240.132/508.119
=-47.26 %

Upstart Holdings's Net Margin for the quarter that ended in Dec. 2023 is calculated as

Net Margin=Net Income (Q: Dec. 2023 )/Revenue (Q: Dec. 2023 )
=-42.398/134.869
=-31.44 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Upstart Holdings  (NAS:UPST) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.


Upstart Holdings Net Margin % Related Terms

Thank you for viewing the detailed overview of Upstart Holdings's Net Margin % provided by GuruFocus.com. Please click on the following links to see related term pages.


Upstart Holdings (Upstart Holdings) Business Description

Traded in Other Exchanges
Address
2950 S. Delaware Street, Suite 300, San Mateo, CA, USA, 94403
Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners. The revenue of the company comprised of fees paid by banks.
Executives
Sanjay Datta officer: Chief Financial Officer C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403
Scott Darling officer: Chief Legal Officer C/O STITCH FIX, INC., 1 MONTGOMERY STREET, SUITE 1500, SAN FRANCISCO CA 94104
Paul Gu director, officer: SVP, Product and Data Science C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403
Natalia Mirgorodskaya officer: Corporate Controller C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403
Dave Girouard director, 10 percent owner, officer: Chief Executive Officer C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403
Kerry Whorton Cooper director 77 BEALE ST., P.O. BOX 770000, SAN FRANCISCO CA 94177
Alison Nicoll officer: General Counsel C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403
Daniel S Loeb 10 percent owner, other: See Footnote (1) THIRD POINT LLC, 390 PARK AVENUE, NEW YORK NY 10022
Third Point Llc 10 percent owner 55 HUDSON YARDS, NEW YORK NY 10001
Cassidy Sukhinder Singh director C/O URBAN OUTFITTERS INC, 5000 SOUTH BROAD STREET, PHILADELPHIA PA 19112
Mary Hentges director C/O SHOTSPOTTER, INC., 7979 GATEWAY BLVD., STE. 210, NEWARK CA 94560
Terry Hilliard C. Iii director ONE SW COLUMBIA ST STE 1200, PORTLAND OR 97258
Anna M. Counselman officer: SVP, People and Operations C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 300, SAN MATEO CA 94403
Jeff Huber director 209 REDWOOD SHORES PARKWAY, REDWOOD CITY CA 94065
Robert S Schwartz director C/O THIRD POINT LLC, 390 PARK AVENUE, NEW YORK NY 10022