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) Operating margin
Upstart Holdings, Inc.'s operating margin over the twelve months to 30 September 2026 was 3.24%, down 0.8 percentage points from fiscal 2025 (4.08%). Over the past ten years it has ranged from −50.0% (fiscal 2023) to 16.6% (fiscal 2021); the current reading is higher than 78% of that period. That is above the Credit Services industry median of 0.34% and above the Financial sector median of 0.00%.
Operating margin, annual
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Annual newest first
| Period | Operating margin | Change (points) |
|---|---|---|
| FY2025 | 4.08% | 31.24 |
| FY2024 | −27.2% | 22.79 |
| FY2023 | −50.0% | (36.43) |
| FY2022 | −13.5% | (30.12) |
| FY2021 | 16.6% | 11.56 |
| FY2020 | 5.04% | 7.83 |
| FY2019 | −2.79% | 5.24 |
| FY2018 | −8.03% | 18.28 |
| FY2017 | −26.3% | — |
Quarterly newest first
| Period | Operating margin | Change (points) |
|---|---|---|
| Sep 2026 | 8.54% | 4.53 |
| Jun 2026 | 4.01% | 6.45 |
| Mar 2026 | −2.44% | (5.69) |
| Dec 2025 | 3.25% | (6.47) |
| 24 more quarters | Free account |
Against its own ten years
Operating margin against peers
| Company | Operating margin |
|---|---|
| BFH Bread Financial Holdings, Inc. compare | 76.5% |
| JCAP Jefferson Capital, Inc. compare | 45.8% |
| WU The Western Union Company compare | 14.2% |
| EZPW EZCORP, Inc. compare | 13.9% |
| UPST Upstart Holdings, Inc. | 3.24% |
| AGM Federal Agricultural Mortgage Corporation compare | 0.00% |
| SLM SLM Corporation compare | 0.00% |
| ECPG Encore Capital Group Inc compare | 0.00% |
| ATLC Atlanticus Holdings Corporation compare | 0.00% |
| Credit Services industry median | 0.34% |
| Financial sector median | 0.00% |
| Market median | 0.00% |
What Operating margin is
EBIT Margin tells an investor how much operating profit, before interest and taxes, a company keeps from each unit of revenue.
EBIT ÷ Revenue
More on UPST
- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- Operating cash flow
- Gross 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