UPSTCAUTIOUS

UPST Gross Margin Analysis

98.1%

Higher than 89% of Financial Services sector peers

Updated 2555h ago·SEC filings & market data

Key Takeaway

UPST (UPST) has a Gross Margin of 98.1% as of May 2026.

Sector Performance

89th percentile

UPST

98.1%

Sector Median

68.5%

Sector Avg

69.1%

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Deep Analysis

UPST (UPST) has a Gross Margin of 98.1% as of May 2026.

This places UPST in the 89th percentile of the Financial Services sector, which has a median Gross Margin of 68.5% and a sector average of 69.1%. UPST's Gross Margin is 43.2% above the sector median. In context: Gross margin reveals pricing power and cost structure. Software companies often sustain 70–80%; manufacturers typically 30–50%. Expansion is a bullish signal.

Frequently Asked Questions

What does the Gross Margin tell investors about UPST?

Gross margin reveals pricing power and cost structure. Software companies often sustain 70–80%; manufacturers typically 30–50%. Expansion is a bullish signal.

How is the Gross Margin calculated?

Gross Margin is calculated as: Gross Profit / Revenue.

How does UPST's Gross Margin compare to its sector?

UPST's Gross Margin of 98.1% compares to a Financial Services sector median of 68.5%, placing it in the 89th percentile.

Who are UPST's closest peers by Gross Margin?

The closest Financial Services peers by Gross Margin include: SLM (68.5%), JPM (64.3%), CACC (63.0%), HDB (58.4%), COF (57.8%).

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Learn More About Gross Margin

Gross Margin vs Net Margin: Why the Gap Between Them Tells You Everything

Gross margin vs net margin: learn what the spread between them reveals about operating leverage, cost structure, and early warning signs in any stock.

The Formula

Gross Profit / Revenue

Why It Matters

Gross margin reveals pricing power and cost structure. Software companies often sustain 70–80%; manufacturers typically 30–50%. Expansion is a bullish signal.