stockrowUpstart Holdings, Inc.
UPST Financial Credit Services
Upstart Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.0 billion, up 64.0% from fiscal 2024.
- Revenue
- −25.2%
- EPS
- −0.30%
- Free cash flow
- +107.6%
- Total debt
- −1.43%
Quarter to September 2026, against a year earlier
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Upstart Holdings, Inc. (UPST) Current ratio
Upstart Holdings, Inc.'s current ratio at the end of the quarter to 30 September 2026 was 0.6×, up 0.0× from fiscal 2025 (0.5×). Over the past ten years it has ranged from 0.3× (fiscal 2018) to 2.1× (fiscal 2020); the current reading is higher than 63% of that period. That is below the Credit Services industry median of 1.3× and below the Financial sector median of 1.0×.
Current ratio, annual
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Annual newest first
| Period | Current ratio | Change |
|---|---|---|
| FY2025 | 0.5× | (15.67%) |
| FY2024 | 0.6× | 56.66% |
| FY2023 | 0.4× | (21.81%) |
| FY2022 | 0.5× | (63.41%) |
| FY2021 | 1.3× | (35.69%) |
| FY2020 | 2.1× | 406.01% |
| FY2019 | 0.4× | 25.58% |
| FY2018 | 0.3× | — |
Quarterly newest first
| Period | Current ratio | Change |
|---|---|---|
| Sep 2026 | 0.6× | 14.08% |
| Jun 2026 | 0.5× | (0.21%) |
| Mar 2026 | 0.5× | (11.33%) |
| Dec 2025 | 0.5× | 32.75% |
| 22 more quarters | Free account |
Against its own ten years
Current ratio against peers
| Company | Current ratio |
|---|---|
| EZPW EZCORP, Inc. compare | 4.8× |
| SLM SLM Corporation compare | 1.2× |
| BFH Bread Financial Holdings, Inc. compare | 1.2× |
| ECPG Encore Capital Group Inc compare | 0.6× |
| AGM Federal Agricultural Mortgage Corporation compare | 0.6× |
| UPST Upstart Holdings, Inc. | 0.6× |
| JCAP Jefferson Capital, Inc. compare | 0.0× |
| WU The Western Union Company compare | 0.0× |
| ATLC Atlanticus Holdings Corporation compare | 0.0× |
| Credit Services industry median | 1.3× |
| Financial sector median | 1.0× |
| Market median | 1.6× |
What Current ratio is
Current Ratio shows whether a company’s short-term assets are enough to cover the bills and debts it must pay within the next year.
Current Assets (Total) ÷ Current Liabilities (Total)
More on UPST
- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- Operating cash flow
- Gross margin
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement