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) Return on assets
Upstart Holdings, Inc.'s return on assets over the twelve months to 30 September 2026 was 1.89%, down 0.1 percentage points from fiscal 2025 (2.01%). Over the past ten years it has ranged from −12.2% (fiscal 2023) to 11.8% (fiscal 2021); the current reading is higher than 89% of that period. That is in line with the Credit Services industry median of 1.94% and above the Financial sector median of 1.15%.
Return on assets, annual
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Annual newest first
| Period | Return on assets | Change (points) |
|---|---|---|
| FY2025 | 2.01% | 7.88 |
| FY2024 | −5.87% | 6.28 |
| FY2023 | −12.2% | (6.36) |
| FY2022 | −5.79% | (17.58) |
| FY2021 | 11.8% | 10.42 |
| FY2020 | 1.37% | 1.61 |
| FY2019 | −0.24% | (0.24) |
| FY2018 | 0.00% | 0.00 |
| FY2017 | 0.00% | — |
Against its own ten years
Return on assets against peers
| Company | Return on assets |
|---|---|
| EZPW EZCORP, Inc. compare | 7.82% |
| JCAP Jefferson Capital, Inc. compare | 7.64% |
| ECPG Encore Capital Group Inc compare | 6.41% |
| WU The Western Union Company compare | 4.21% |
| ATLC Atlanticus Holdings Corporation compare | 2.89% |
| BFH Bread Financial Holdings, Inc. compare | 2.34% |
| UPST Upstart Holdings, Inc. | 1.89% |
| SLM SLM Corporation compare | 1.86% |
| AGM Federal Agricultural Mortgage Corporation compare | 0.55% |
| Credit Services industry median | 1.94% |
| Financial sector median | 1.15% |
| Market median | 0.00% |
What Return on assets is
ROA tells an investor how much profit a company earns for shareholders from the assets it uses to run its business.
Annual: Net Income Allotted to Shareholders ÷ Average Assets; TTM: Net Income Allotted to Shareholders ÷ Average Assets (latest quarter)
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 invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement