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 equity
Upstart Holdings, Inc.'s return on equity over the twelve months to 30 September 2026 was 7.20%, down 0.3 percentage points from fiscal 2025 (7.49%). Over the past ten years it has ranged from −36.7% (fiscal 2023) to 24.5% (fiscal 2021); the current reading is higher than 78% of that period. That is below the Credit Services industry median of 9.05% and below the Financial sector median of 9.01%.
Return on equity, annual
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Annual newest first
| Period | Return on equity | Change (points) |
|---|---|---|
| FY2025 | 7.49% | 27.76 |
| FY2024 | −20.3% | 16.45 |
| FY2023 | −36.7% | (22.03) |
| FY2022 | −14.7% | (39.15) |
| FY2021 | 24.5% | 19.44 |
| FY2020 | 5.02% | 4.30 |
| FY2019 | 0.72% | (18.23) |
| FY2018 | 19.0% | 18.95 |
| FY2017 | 0.00% | — |
Against its own ten years
Return on equity against peers
| Company | Return on equity |
|---|---|
| WU The Western Union Company compare | 36.8% |
| ECPG Encore Capital Group Inc compare | 34.6% |
| JCAP Jefferson Capital, Inc. compare | 33.2% |
| ATLC Atlanticus Holdings Corporation compare | 30.9% |
| SLM SLM Corporation compare | 27.0% |
| AGM Federal Agricultural Mortgage Corporation compare | 16.8% |
| BFH Bread Financial Holdings, Inc. compare | 15.6% |
| EZPW EZCORP, Inc. compare | 14.7% |
| UPST Upstart Holdings, Inc. | 7.20% |
| Credit Services industry median | 9.05% |
| Financial sector median | 9.01% |
| Market median | 0.51% |
What Return on equity is
ROE shows how much profit a company earns for its shareholders on the equity they have in the business.
Annual: Net Income Allotted to Shareholders ÷ Average Common Equity; TTM: Net Income Allotted to Shareholders ÷ Average Common Equity (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 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