Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the EBITDA margin high or low?
The EBITDA margin of 7.36% is 220% above its 5-year average of -6.15%, near the high end of its 5-year range (-111.57%–20.33%).
13.97% above its 12-month average of 6.46%.
Reported quarterly EBITDA margin; no daily interpolation. Q2 FY2026 (2026-06-30): 6.44%.
EBITDA MARGIN
7.36%
EBITDA MARGIN AVG TTM
6.46%
EBITDA MARGIN AVG 3Y
-8.29%
EBITDA MARGIN AVG 5Y
-6.15%
EBITDA MARGIN AVG 10Y
N/A
EBITDA MARGIN AVG 15Y
N/A
EBITDA MARGIN AVG 20Y
N/A
CURRENT VS TTM AVG
+13.97%
CURRENT VS 3Y AVG
+188.74%
CURRENT VS 5Y AVG
+219.58%
CURRENT VS 10Y AVG
N/A
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
Upstart Holdings, Inc.
Market Cap
$2.29B
EBITDA Margin
7.36%
TTM Avg
6.46%
3Y Avg
-8.29%
5Y Avg
-6.15%
Market Cap
$2.28B
EBITDA Margin
30.82%
TTM Avg
29.32%
3Y Avg
33.27%
5Y Avg
33.73%
Market Cap
$2.28B
EBITDA Margin
19.58%
TTM Avg
24.50%
3Y Avg
31.82%
5Y Avg
42.49%
Market Cap
$2.28B
EBITDA Margin
32.95%
TTM Avg
32.22%
3Y Avg
36.03%
5Y Avg
38.02%
Market Cap
$2.26B
EBITDA Margin
15.56%
TTM Avg
14.58%
3Y Avg
12.59%
5Y Avg
6.78%
Market Cap
$2.25B
EBITDA Margin
7.63%
TTM Avg
8.64%
3Y Avg
12.84%
5Y Avg
15.04%
Market Cap
$2.37B
EBITDA Margin
69.73%
TTM Avg
170.78%
3Y Avg
-122.92%
5Y Avg
-51.58%
Market Cap
$2.21B
EBITDA Margin
20.43%
TTM Avg
20.43%
3Y Avg
20.43%
5Y Avg
20.43%
| NAME | MARKET CAP | EBITDA MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Upstart Holdings, Inc. (UPST) | $2.29B | 7.36% | 6.46% | -8.29% | -6.15% |
| Banner Corporation (BANR)vs › | $2.28B | 30.82% | 29.32% | 33.27% | 33.73% |
| Merchants Bancorp (MBIN)vs › | $2.28B | 19.58% | 24.50% | 31.82% | 42.49% |
| Stock Yards Bancorp, Inc. (SYBT)vs › | $2.28B | 32.95% | 32.22% | 36.03% | 38.02% |
| Skyward Specialty Insurance Group, Inc. (SKWD)vs › | $2.26B | 15.56% | 14.58% | 12.59% | 6.78% |
| Brighthouse Financial, Inc. (BHFAP)vs › | $2.25B | 7.63% | 8.64% | 12.84% | 15.04% |
| Nuveen Quality Municipal Income Fund (NAD)vs › | $2.37B | 69.73% | 170.78% | -122.92% | -51.58% |
| Ethos Technologies Inc. (LIFE)vs › | $2.21B | 20.43% | 20.43% | 20.43% | 20.43% |
| WaFd, Inc. (WAFD)vs › | $2.21B | 21.23% | 24.23% | 32.47% | 34.56% |
| eToro Group Ltd. (ETOR)vs › | $2.21B | 2.06% | 2.15% | 0.75% | -0.92% |
EBITDA Margin
7.4%
Operating Margin
4.8%
Net Margin
4.7%
Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Formula: EBITDA Margin = (EBITDA / Revenue) × 100
Why EBITDA Margin matters:
EBITDA Margin = EBITDA / Revenue
EBITDA margin measures operating profitability before interest, taxes, depreciation, and amortization as a percentage of revenue.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | EBITDA MARGIN |
|---|---|
| 2026-06-30 | 6.44% |
| 2026-03-31 | -0.22% |
| 2025-12-31 | 8.42% |
| 2025-09-30 | 13.31% |
| 2025-06-30 | 4.34% |
| 2025-03-31 | 1.81% |
| 2024-12-31 | 0.91% |
| 2024-09-30 | -0.76% |
| 2024-06-30 | -35.68% |
| 2024-03-31 | -42.56% |
| 2023-12-31 | -22.31% |
| 2023-09-30 | -24.57% |
| 2023-06-30 | -16.94% |
| 2023-03-31 | -111.57% |
| 2022-12-31 | -35.48% |
| 2022-09-30 | -32.75% |
| 2022-06-30 | -11.49% |
| 2022-03-31 | 11.41% |
| 2021-12-31 | 20.33% |
| 2021-09-30 | 13.13% |
| 2021-06-30 | 19.59% |
| 2021-03-31 | 9.10% |
| 2020-12-31 | 2.60% |
| 2020-09-30 | 15.96% |
| 2020-06-30 | -28.45% |
| 2020-03-31 | 2.23% |
| 2019-12-31 | 7.91% |
| 2019-09-30 | 4.24% |
