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) Net income
Upstart Holdings, Inc.'s net income for fiscal 2025 was $53.6M, compared with −$128.6M in fiscal 2024. Over the twelve months to 30 September 2026 it was $42.1M. Over the past ten years it has ranged from −$240.1M (fiscal 2023) to $135.4M (fiscal 2021); the current reading is higher than 89% of that period. Upstart Holdings, Inc. ranks 32nd of 53 Credit Services companies by net income.
Net income, annual
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Annual newest first
| Period | Net income | Change |
|---|---|---|
| FY2025 | $53.6M | — |
| FY2024 | −$128.6M | — |
| FY2023 | −$240.1M | — |
| FY2022 | −$108.7M | — |
| FY2021 | $135.4M | 2,327.73% |
| FY2020 | $5.6M | — |
| FY2019 | −$5.0M | — |
| FY2018 | −$11.2M | — |
| FY2017 | $0.00 | — |
Quarterly newest first
| Period | Net income | Change |
|---|---|---|
| Sep 2026 | $25.1M | 51.59% |
| Jun 2026 | $16.5M | — |
| Mar 2026 | −$6.6M | — |
| Dec 2025 | $7.1M | (83.54%) |
| 26 more quarters | Free account |
Against its own ten years
Net income against peers
| Company | Net income |
|---|---|
| SLM SLM Corporation compare | $567.4M |
| BFH Bread Financial Holdings, Inc. compare | $537.0M |
| ECPG Encore Capital Group Inc compare | $350.9M |
| WU The Western Union Company compare | $333.8M |
| AGM Federal Agricultural Mortgage Corporation compare | $229.0M |
| ATLC Atlanticus Holdings Corporation compare | $224.3M |
| EZPW EZCORP, Inc. compare | $159.1M |
| JCAP Jefferson Capital, Inc. compare | $155.0M |
| UPST Upstart Holdings, Inc. | $42.1M |
What Net income is
Net Income tells an investor how much profit a company kept in a period after every cost, interest charge and tax.
Reported line item
More on UPST
- Revenue
- 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
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement