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) EBITDA
Upstart Holdings, Inc.'s EBITDA for fiscal 2025 was $67.5M, compared with −$152.3M in fiscal 2024. Over the twelve months to 30 September 2026 it was $61.5M. Over the past ten years it has ranged from −$231.6M (fiscal 2023) to $148.4M (fiscal 2021); the current reading is higher than 89% of that period. Upstart Holdings, Inc. ranks 26th of 37 Credit Services companies by EBITDA.
EBITDA, annual
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Annual newest first
| Period | EBITDA | Change |
|---|---|---|
| FY2025 | $67.5M | — |
| FY2024 | −$152.3M | — |
| FY2023 | −$231.6M | — |
| FY2022 | −$100.4M | — |
| FY2021 | $148.4M | 956.91% |
| FY2020 | $14.0M | — |
| FY2019 | −$3.8M | — |
| FY2018 | −$7.7M | — |
| FY2017 | −$7.4M | — |
Quarterly newest first
| Period | EBITDA | Change |
|---|---|---|
| Sep 2026 | $29.1M | 33.50% |
| Jun 2026 | $21.8M | — |
| Mar 2026 | −$1.7M | — |
| Dec 2025 | $12.3M | (71.26%) |
| 24 more quarters | Free account |
Against its own ten years
EBITDA against peers
| Company | EBITDA |
|---|---|
| BFH Bread Financial Holdings, Inc. compare | $3.8B |
| WU The Western Union Company compare | $758.8M |
| JCAP Jefferson Capital, Inc. compare | $313.4M |
| EZPW EZCORP, Inc. compare | $258.3M |
| UPST Upstart Holdings, Inc. | $61.5M |
| ATLC Atlanticus Holdings Corporation compare | — |
| ECPG Encore Capital Group Inc compare | — |
| SLM SLM Corporation compare | — |
| AGM Federal Agricultural Mortgage Corporation compare | — |
What EBITDA is
EBITDA shows what a company earns from its operations before interest, taxes and the non-cash charges for depreciation and amortization.
Reported line item
More on UPST
- Revenue
- Net income
- EPS (diluted)
- 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
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement