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 margin
Upstart Holdings, Inc.'s net margin over the twelve months to 30 September 2026 was 4.82%, down 0.3 percentage points from fiscal 2025 (5.13%). Over the past ten years it has ranged from −46.8% (fiscal 2023) to 16.0% (fiscal 2021); the current reading is higher than 89% of that period. That is below the Credit Services industry median of 8.35% and below the Financial sector median of 14.3%.
Net margin, annual
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Annual newest first
| Period | Net margin | Change (points) |
|---|---|---|
| FY2025 | 5.13% | 25.33 |
| FY2024 | −20.2% | 26.56 |
| FY2023 | −46.8% | (33.86) |
| FY2022 | −12.9% | (28.86) |
| FY2021 | 16.0% | 13.40 |
| FY2020 | 2.56% | 2.84 |
| FY2019 | −0.28% | 12.12 |
| FY2018 | −12.4% | 1.07 |
| FY2017 | −13.5% | — |
Quarterly newest first
| Period | Net margin | Change (points) |
|---|---|---|
| Sep 2026 | 11.5% | 6.95 |
| Jun 2026 | 4.53% | 6.69 |
| Mar 2026 | −2.16% | (9.00) |
| Dec 2025 | 6.84% | (3.03) |
| 24 more quarters | Free account |
Against its own ten years
Net margin against peers
| Company | Net margin |
|---|---|
| JCAP Jefferson Capital, Inc. compare | 22.3% |
| SLM SLM Corporation compare | 19.1% |
| ECPG Encore Capital Group Inc compare | 17.7% |
| AGM Federal Agricultural Mortgage Corporation compare | 11.6% |
| BFH Bread Financial Holdings, Inc. compare | 11.0% |
| EZPW EZCORP, Inc. compare | 9.99% |
| WU The Western Union Company compare | 8.32% |
| ATLC Atlanticus Holdings Corporation compare | 7.33% |
| UPST Upstart Holdings, Inc. | 4.82% |
| Credit Services industry median | 8.35% |
| Financial sector median | 14.3% |
| Market median | 1.06% |
What Net margin is
Net Profit Margin tells an investor how much of each unit of revenue ends up as profit for shareholders after all costs, interest and taxes.
Net Income Allotted to Shareholders ÷ Revenue
More on UPST
- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- Operating cash flow
- Gross margin
- Operating 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