1. MARKETS
  2. SECTOR : BANKING & FINANCE
  3. INDUSTRY : FINANCE
  4. UPSTART HOLDINGS INC
Upstart Holdings Inc
XNAS: UPST
Await Turnaround
Download real time
24.10-0.09(-0.37%)
56.36% Fall from 52W High
2.7M
XNAS Volume

XNAS 09 Oct, 2026 5:30 PM (EDT)

Portfolio

Alert

My Notes

Upstart Holdings Inc quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

View Charts

Forecaster Analyst Estimates for Upstart Holdings Inc share price target, revenues, EPS, net income and more

Upstart Holdings Inc quarterly results: revenue, profit, and P&L – 13 quarter history

Nested row level
Base Level
Reporting Type
Originally Reported
Cell Data
Actual
Table Settings
YoY & New to Old
Nested row level
Base Level
Export
  • POSITIVE

    Quarterly Revenue Upstart Holdings Inc Jun-2026 Quarterly Revenue is $365 Million which is growth of 41.7% YoY.

  • POSITIVE

    Quarterly Net Profit Upstart Holdings Inc Jun-2026 Quarterly Net Profit is $17 Million which is growth of 195.0% YoY.

Upstart Holdings Inc, Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
Operating Rev.
364.7308.2276.2277.1257.3213.4211.3162.1127.6127.8134.9134.6135.8
Cost Of Rev.
-------------
Gross Profit
-------------
⌄
----------130.7123.5111.1
Operating Profit
----------
⌄
-------------
Profit Before Tax
17.2-6.619.231.95.7-2.4-2.6-6.7-54.5-64.6-42.3-40.3-28.2
Tax
0.60.10.50.10.100.10000.100
⌄
16.5-6.718.631.85.6-2.5-2.8-6.8-54.5-64.6-42.4-40.3-28.2
Diluted NI Avail to Com Stockholders Ann.
16.5-6.713.831.85.6-2.5-2.8-6.8-54.5-64.6-42.4-40.3-28.2
Basic EPS
0.2-0.10.20.30.1-0-0-0.1-0.6-0.7-0.5-0.5-0.3
Diluted EPS After ExtraOrdinary
0.2-0.10.20.20.1-0-0-0.4-0.6-0.7-0.5-0.5-0.3
Number Of Shares End
96.696.997.696.795.594.392.290.188.48785.684.483.1
Net Income Continuing Discontinued Operations
16.5-6.718.631.85.6-2.5-2.8-6.8-54.5-64.6-42.4-40.3-28.2
Normalized Income
20.2-6.718.624.65.6-2.5-2.3-33.1-51.5-64.6-43-40.3-28.2
Interest Income
57.156.160.857.245.640.641.540.852.951.252.137.733.9
Interest
12.510.4288.87.8715.110.811.510.714.19.44.3
Net Interest Income
44.545.732.948.437.933.626.33041.440.53828.329.6
EBIT
-------------
EBITDA
-------------
Reconciled Cost Of Rev.
-------------
Reconciled Depr.
7.15.96.56.15.86.44.75.44.85.69.14.94.4
Profit From Continuing Operations
16.5-6.718.631.85.6-2.5-2.8-6.8-54.5-64.6-42.4-40.3-28.2
Normalized EBITDA
-------------
*All financials are in USD Million and price data in USD
Add metric to table
Search...

Upstart Holdings Inc competitor comparison and performance snapshot within industry

Upstart Holdings Inc annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

Nested row level
Base Level
Reporting Type
Originally Reported
Cell Data
Actual
Table Settings
YoY & New to Old
CAGR Columns
Select...
Nested row level
Base Level
Export
  • POSITIVE

    Annual Revenue Upstart Holdings Inc Dec-2025 Annual Revenue is $1,024 Million which is growth of 62.8% YoY.

  • POSITIVE

    Annual Net Profit Upstart Holdings Inc Dec-2025 Annual Net Profit is $54 Million which is growth of 141.7% YoY.

Upstart Holdings Inc, Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17
⌄
6.9%
35.8%
 1,024628.8508.1837.8846.6222.1162.895.655.6
Cost Of Rev. Ann.
-
-
 ---------
Gross Profit Ann.
-
-
 ---------
Operating Exp. Ann.
-
-
 ---34.9-10.8-3.3-8-26.5-26.5-9.4
Operating Profit Ann.
-
-
 --543848.6849.9230.1189.3122.165.1
⌄
-
-
 ---------
Other Exp. Ann.
-
-
 ---------
PBT Ann.
-
55.4%
61.754.3-128.4-240-109.1133.76-5-11.2-8.9
Tax Ann.
-
11.8%
1.30.70.20.1-0.4-1.70.40.10
⌄
-
-
60.353.6-128.6-240.1-108.7135.43.8-12.3-7.7
Diluted NI Avail to Com Stockholders Ann.
-
-
55.548.7-128.6-240.1-108.7135.43.8-12.3-7.7
EPS Ann.
-
-
 0.6-1.4-2.9-1.31.70.1-0.9-0.1
Diluted EPS Ann.
-
-
 0.5-1.4-2.9-1.31.40.1-0.9-0.1
Number Of Shares End
6.2%
5.9%
 97.692.285.681.482.773.314.7--
Total Exp. Ann.
-
-
 ---------
Net Income Continuing Discontinued Operations Ann.
-
55%
60.353.6-128.6-240.1-108.7135.46-0.5-12.3-7.7
Normalized Income Ann.
-
50.6%
56.846.5-151.5-228.4-108.7136.46-0.5-12.3-7.7
Interest Income Ann.
24.6%
50.6%
231.2204.2186.4169105.620.626.463.376.721.1
Interest Ann.
68.3%
45.1%
59.651.548.134.910.83.3826.526.59.4
EBITDA Ann.
-
-
 ---------
Reconciled Cost Of Rev. Ann.
-
-
 ---------
Reconciled Depr. Ann.
22.5%
60.9%
25.624.820.624.913.57.52.30.80.30.1
Profit From Continuing Operations Ann.
-
57.1%
60.353.6-128.6-240.1-108.7135.45.6-5-11.2-8.9
Normalized EBITDA Ann.
-
-
 ---------
*All financials are in USD Million and price data in USD
Add metric to table
Search...
Total Rev. Ann.
1Y CHG
62.8%
2Y CAGR
42%
3Y CAGR
6.9%
5Y CAGR
35.8%
7Y CAGR
40.3%
Total Revenue Annual growth is higher than historical averages.
Net Profit Ann.
5Y CAGR
55%
Net Profit Annual growth is stable compared to historical averages.

Upstart Holdings Inc balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

Nested row level
Base Level
Reporting Type
Originally Reported
Cell Data
Actual
Table Settings
YoY & New to Old
CAGR Columns
Select...
Nested row level
Base Level
Export
  • POSITIVE

    Total Shareholders Fund Upstart Holdings Inc Dec-2025 Total Shareholders Fund is $799 Million which is growth of 26.2% YoY.

  • POSITIVE

    Total Assets Upstart Holdings Inc Dec-2025 Total Assets is $2,975 Million which is growth of 25.7% YoY.

Upstart Holdings Inc, Balance Sheet, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17
⌄
15.4%
44.2%
2,974.82,3672,017.11,936.11,820.5477.3393.5645.9-
⌄
19.9%
65.2%
2,1761,733.71,381.81,263.61,013.4177455.2700.6-
⌄
5.9%
21.6%
798.8633.2635.3672.4807.1300.3-62.7-66.7-
Total Capitalization Ann.
24.2%
51%
2,530.61,839.81,288.31,322.41,454.5322.4-28.712.2-
Tangible Assets Ann.
7.1%
19.2%
723.5556.7556.9589.7720.1300.3-62.7-66.7-
Working Capital Ann.
-
-
--
Invested Capital Ann.
16.6%
48.6%
2,6282,035.41,675.71,658.81,502.5362.955.961.5-
Tangible Book Value Ann.
7.1%
19.2%
723.5556.7556.9589.7720.1300.3-62.7-66.7-
Borrowings Ann.
19.4%
86.5%
1,850.31,452.51,102.81,087.2795.882.1135.7128.2-
Net Debt Ann.
28.4%
-
1,171.7608.6663.1554--67.853.9-
Share Issued Ann.
6.4%
6%
9893.586.381.383.773.372.572.5-
Number Of Shares End
6.2%
5.9%
97.692.285.681.482.773.314.7--
*All financials are in USD Million and price data in USD
Add metric to table
Search...
Total Assets Ann.
1Y CHG
25.7%
2Y CAGR
21.4%
3Y CAGR
15.4%
5Y CAGR
44.2%
7Y CAGR
24.4%
Total Assets Annual growth is stable compared to historical averages.
Total ShareHolders Funds Ann.
1Y CHG
26.2%
2Y CAGR
12.1%
3Y CAGR
5.9%
5Y CAGR
21.6%
Total ShareHolders Funds Annual growth is stable compared to historical averages.

Upstart Holdings Inc ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

Nested row level
Base Level
Reporting Type
Originally Reported
Cell Data
Actual
Table Settings
YoY & New to Old
CAGR Columns
Select...
Nested row level
Base Level
Export
  • POSITIVE

    Book Value Per Share Upstart Holdings Inc Book Value Per Share is $8 which is growth of 12.2% YoY.

  • NEUTRAL

    ROE Upstart Holdings Inc ROE is 0% which is growth of 0% YoY.

Upstart Holdings Inc, Ratios, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17
RoA Ann. %
-
-
--5.87%-12.15%-5.79%11.79%0.74%-1.91%-
ROE Ann. %
-
-
--20.27%-36.72%-14.69%24.46%---
ROIC %
-
-
---------
OPM Ann. %
-
-
--106.87%101.29%100.39%103.61%116.27%127.71%116.93%
Inventory Turnover Ratio Ann.
-
-
---------
Asset Turnover Ann. %
-
-
-0.30.30.50.70.50.30.2-
Working Capital Turnover Ann.
-
-
---------
Quick Ratio Ann.
-
-
---------
Current Ratio Ann.
-
-
---------
Interest Coverage Ratio Ann.
-
-
---------
LT Debt To Equity Ann.
-
-
-21.11.10.90.1---
*All financials are in USD Million and price data in USD
Add metric to table
Search...

Upstart Holdings Inc cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

Nested row level
Base Level
Reporting Type
Originally Reported
Cell Data
Actual
Table Settings
YoY & New to Old
CAGR Columns
Select...
Nested row level
Base Level
Export
  • NEGATIVE

    Cash From Operating Activity Upstart Holdings Inc Dec-2025 Cash From Operating Activity is $-148 Million which is growth of -179.3% YoY.

  • NEGATIVE

    Net Cash Flow Upstart Holdings Inc Dec-2025 Net Cash Flow is $81 Million which is growth of -84.1% YoY.

Upstart Holdings Inc, Cash Flow, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17
⌄
-
-
-147.7186.3-160.5-674.7168.415.731.650.310.4
⌄
-
-
-177.2-237.7-118.5-114.1-143.9136.545.4-137.2-393.4
⌄
46.1%
38.7%
405.6559.9214.3130855.479.1-119.2135.8412.7
Cash Plus Cash Eqv. End Of Year Ann.
25.7%
27.7%
1,057976.3467.8532.51,191.2311.380.1122.273.4
Net Increase In Cash Plus Cash Eqv.s Ann.
-
-19%
80.8508.5-64.7-658.8879.9231.3-42.248.929.7
Cash Plus Cash Eqv. Begin Of Year Ann.
-6.4%
64.9%
976.3467.8532.51,191.2311.380.1122.273.443.7
Income Tax Paid Supplemental Data Ann.
26%
-
0.60.3-0.32.3----
Interest Paid Supplemental Data Ann.
51.5%
40.3%
43.543.136.612.53.3826.926.79.6
Capex Ann.
-
-
-18.4-10-12.1-22.9-15.1-5.6-5.3-1-0.8
Issuance Of Capital Stock Ann.
-
-
--263.9159.51.949.91.1
Issuance Of Debt Ann.
12.2%
60.2%
972.51,300.7792.2688.8718.492.1193.4429571
Repayment Of Debt Ann.
-
-
-581.8-738.1-599.3-400.9-71.3-174.2-309.3-341.2-174
Repurchase Of Capital Stock Ann.
-
-
--177.9-0.7
Free Cash Flow Ann.
-
-
-166.1176.3-172.6-697.6153.210.126.349.39.6
*All financials are in USD Million and price data in USD
Add metric to table
Search...
Cash from Financing Act. Ann.
1Y CHG
-27.6%
2Y CAGR
37.6%
3Y CAGR
46.1%
5Y CAGR
38.7%
7Y CAGR
16.9%
Cash from Financing Annual Activity is falling faster than historical averages.
×