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) Revenue growth
Upstart Holdings, Inc.'s revenue growth over the twelve months to 30 September 2026 was 8.73%, down 55.3 percentage points from fiscal 2025 (64.0%). Over the past ten years it has ranged from −42.3% (fiscal 2017) to 263.6% (fiscal 2021); the current reading is higher than 67% of that period. That is above the Credit Services industry median of 4.49% and above the Financial sector median of 7.33%.
Revenue growth, annual
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Annual newest first
| Period | Revenue growth | Change (points) |
|---|---|---|
| FY2025 | 64.0% | 40.05 |
| FY2024 | 23.9% | 62.98 |
| FY2023 | −39.0% | (38.32) |
| FY2022 | −0.72% | (264.27) |
| FY2021 | 263.6% | 221.39 |
| FY2020 | 42.2% | (23.16) |
| FY2019 | 65.3% | (8.03) |
| FY2018 | 73.4% | 115.66 |
| FY2017 | −42.3% | — |
Quarterly newest first
| Period | Revenue growth | Change (points) |
|---|---|---|
| Sep 2026 | −25.2% | (66.96) |
| Jun 2026 | 41.8% | (2.70) |
| Mar 2026 | 44.5% | 51.89 |
| Dec 2025 | −7.44% | (135.96) |
| 24 more quarters | Free account |
Against its own ten years
Revenue growth against peers
| Company | Revenue growth |
|---|---|
| ATLC Atlanticus Holdings Corporation compare | 84.8% |
| EZPW EZCORP, Inc. compare | 28.6% |
| ECPG Encore Capital Group Inc compare | 27.2% |
| JCAP Jefferson Capital, Inc. compare | 26.4% |
| UPST Upstart Holdings, Inc. | 8.73% |
| AGM Federal Agricultural Mortgage Corporation compare | 7.27% |
| BFH Bread Financial Holdings, Inc. compare | 2.29% |
| WU The Western Union Company compare | −2.12% |
| SLM SLM Corporation compare | −5.69% |
| Credit Services industry median | 4.49% |
| Financial sector median | 7.33% |
| Market median | 7.58% |
What Revenue growth is
Revenue Growth shows how fast a company’s sales are rising or falling compared with the same period a year earlier.
(Revenue − Revenue a year earlier) ÷ |Revenue a year earlier|
More on UPST
- Revenue
- Net income
- 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
- Piotroski F-score
- The full statement