The latest data point for UPST's Return on Sales (ROS) in Q4'25 shows a positive value of 6.47%, indicating improved profitability compared to earlier periods. This marks a stabilization in the positive territory following the transition from negative to positive ROS earlier in the year. Over the period from Q2'23 to Q4'25, ROS exhibited a clear downward trend initially, declining from -20.73% to a low of -50.54% in Q1'24, reflecting significant operational challenges and losses. However, a strong recovery began in Q3'24, with ROS turning positive at 1.15% and peaking at 11.52% in Q3'25 before a slight moderation to 6.47% in Q4'25, suggesting effective cost management and revenue growth driving overall improvement in the area chart's trajectory.