As of Q4'25, UPST's ROS (Return on Sales) stands at 6.47%, marking a positive shift compared to previous quarters. This latest data point reflects a continued improvement from the negative values observed in earlier periods, indicating a return to profitability by the end of 2025. Analyzing the trend from Q1'23 to Q4'25, UPST's ROS experienced significant volatility, starting at -125.56% in Q1'23 and remaining negative through Q1'25. However, beginning in Q2'25, the company transitioned into positive territory, peaking at 11.52% in Q3'25 before settling at 6.47% in Q4'25. This pattern highlights a substantial turnaround in operational efficiency and profitability over the observed period.