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) EPS (diluted)
Upstart Holdings, Inc.'s EPS (diluted) for fiscal 2025 was $0.45, compared with −$1.44 in fiscal 2024. Over the twelve months to 30 September 2026 it was $0.55. Over the past ten years it has ranged from −$2.87 (fiscal 2023) to $1.43 (fiscal 2021); the current reading is higher than 89% of that period. Upstart Holdings, Inc. ranks 37th of 51 Credit Services companies by EPS (diluted).
EPS (diluted), annual
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Annual newest first
| Period | EPS (diluted) | Change |
|---|---|---|
| FY2025 | $0.45 | — |
| FY2024 | −$1.44 | — |
| FY2023 | −$2.87 | — |
| FY2022 | −$1.31 | — |
| FY2021 | $1.43 | 348.84% |
| FY2020 | $0.32 | — |
| FY2019 | −$0.35 | — |
| FY2018 | −$0.79 | — |
| FY2017 | −$0.11 | — |
Quarterly newest first
| Period | EPS (diluted) | Change |
|---|---|---|
| Sep 2026 | $0.29 | 81.19% |
| Jun 2026 | $0.16 | — |
| Mar 2026 | −$0.07 | — |
| Dec 2025 | $0.17 | (26.09%) |
| 24 more quarters | Free account |
Against its own ten years
EPS (diluted) against peers
| Company | EPS (diluted) |
|---|---|
| AGM Federal Agricultural Mortgage Corporation compare | $18.31 |
| ECPG Encore Capital Group Inc compare | $15.61 |
| BFH Bread Financial Holdings, Inc. compare | $12.68 |
| ATLC Atlanticus Holdings Corporation compare | $11.35 |
| SLM SLM Corporation compare | $2.76 |
| JCAP Jefferson Capital, Inc. compare | $2.45 |
| EZPW EZCORP, Inc. compare | $1.98 |
| WU The Western Union Company compare | $1.05 |
| UPST Upstart Holdings, Inc. | $0.55 |
What EPS (diluted) is
Diluted EPS tells an investor how much profit a company earned for each share, counting the extra shares that options and convertible securities could create.
Reported line item
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- Revenue
- Net income
- 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
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement