Basis: Trailing twelve months (TTM net income over TTM revenue). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the net profit margin high or low?
The net profit margin of 4.69% is 155% above its 5-year average of -8.55%, near the high end of its 5-year range (-117.44%–19.38%).
8.24% above its 12-month average of 4.33%.
Reported quarterly profit margin; no daily interpolation. Q2 FY2026 (2026-06-30): 4.38%.
NET PROFIT MARGIN
4.69%
NET PROFIT MARGIN AVG TTM
4.33%
NET PROFIT MARGIN AVG 3Y
-11.30%
NET PROFIT MARGIN AVG 5Y
-8.55%
NET PROFIT MARGIN AVG 10Y
N/A
NET PROFIT MARGIN AVG 15Y
N/A
NET PROFIT MARGIN AVG 20Y
N/A
CURRENT VS TTM AVG
+8.24%
CURRENT VS 3Y AVG
+141.49%
CURRENT VS 5Y AVG
+154.87%
CURRENT VS 10Y AVG
N/A
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
13.21%
median of 716 covered companies
CURRENT VS SECTOR MEDIAN
-64.48%
vs the sector median at left
Upstart Holdings, Inc.
Market Cap
$2.30B
Net Profit Margin
4.69%
TTM Avg
4.33%
3Y Avg
-11.30%
5Y Avg
-8.55%
Market Cap
$2.28B
Net Profit Margin
20.51%
TTM Avg
19.08%
3Y Avg
24.53%
5Y Avg
32.05%
Market Cap
$2.28B
Net Profit Margin
31.24%
TTM Avg
22.13%
3Y Avg
24.85%
5Y Avg
24.91%
Market Cap
$2.27B
Net Profit Margin
26.72%
TTM Avg
23.84%
3Y Avg
25.18%
5Y Avg
26.98%
Market Cap
$2.26B
Net Profit Margin
11.45%
TTM Avg
11.19%
3Y Avg
9.54%
5Y Avg
4.77%
Market Cap
$2.25B
Net Profit Margin
13.22%
TTM Avg
7.93%
3Y Avg
11.55%
5Y Avg
13.20%
Market Cap
$2.37B
Net Profit Margin
20.51%
TTM Avg
19.08%
3Y Avg
24.53%
5Y Avg
32.05%
Market Cap
$2.37B
Net Profit Margin
31.79%
TTM Avg
130.00%
3Y Avg
-165.98%
5Y Avg
-84.42%
Market Cap
$2.21B
Net Profit Margin
3.08%
TTM Avg
1.54%
3Y Avg
0.02%
5Y Avg
-2.16%
| NAME | MARKET CAP | NET PROFIT MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Upstart Holdings, Inc. (UPST) | $2.30B | 4.69% | 4.33% | -11.30% | -8.55% |
| Merchants Bancorp (MBIN)vs › | $2.28B | 20.51% | 19.08% | 24.53% | 32.05% |
| Banner Corporation (BANR)vs › | $2.28B | 31.24% | 22.13% | 24.85% | 24.91% |
| Stock Yards Bancorp, Inc. (SYBT)vs › | $2.27B | 26.72% | 23.84% | 25.18% | 26.98% |
| Skyward Specialty Insurance Group, Inc. (SKWD)vs › | $2.26B | 11.45% | 11.19% | 9.54% | 4.77% |
| Brighthouse Financial, Inc. (BHFAP)vs › | $2.25B | 13.22% | 7.93% | 11.55% | 13.20% |
| Merchants Bancorp (MBINL)vs › | $2.37B | 20.51% | 19.08% | 24.53% | 32.05% |
| Nuveen Quality Municipal Income Fund (NAD)vs › | $2.37B | 31.79% | 130.00% | -165.98% | -84.42% |
| eToro Group Ltd. (ETOR)vs › | $2.21B | 3.08% | 1.54% | 0.02% | -2.16% |
| Ethos Technologies Inc. (LIFE)vs › | $2.21B | -18.14% | 18.36% | 18.36% | 18.36% |
Operating Margin
4.8%
Net Profit Margin
4.7%
Net Profit Margin = Net Income / Revenue
Net profit margin is the percentage of revenue that becomes net income after all expenses, taxes, and interest.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | NET PROFIT MARGIN |
|---|---|
| 2026-06-30 | 4.38% |
| 2026-03-31 | -2.09% |
| 2025-12-31 | 6.13% |
| 2025-09-30 | 11.12% |
| 2025-06-30 | 2.12% |
| 2025-03-31 | -1.11% |
| 2024-12-31 | -1.22% |
| 2024-09-30 | -3.91% |
| 2024-06-30 | -39.16% |
| 2024-03-31 | -46.64% |
| 2023-12-31 | -28.47% |
| 2023-09-30 | -28.00% |
| 2023-06-30 | -20.11% |
| 2023-03-31 | -117.44% |
| 2022-12-31 | -37.66% |
| 2022-09-30 | -35.08% |
| 2022-06-30 | -12.96% |
| 2022-03-31 | 10.51% |
| 2021-12-31 | 19.38% |
| 2021-09-30 | 12.73% |
| 2021-06-30 | 19.08% |
| 2021-03-31 | 8.25% |
| 2020-12-31 | 1.30% |
| 2020-09-30 | 15.06% |
| 2020-06-30 | -31.61% |
| 2020-03-31 | 2.19% |
| 2019-12-31 | 8.88% |
| 2019-09-30 | -0.65% |
