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 invested capital
Upstart Holdings, Inc.'s return on invested capital over the twelve months to 30 September 2026 was 1.53%, down 0.2 percentage points from fiscal 2025 (1.74%). Over the past ten years it has ranged from −83.0% (fiscal 2018) to 32.5% (fiscal 2021); the current reading is higher than 75% of that period. That is below the Credit Services industry median of 4.56% and below the Financial sector median of 4.70%.
Return on invested capital, annual
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Annual newest first
| Period | Return on invested capital | Change (points) |
|---|---|---|
| FY2025 | 1.74% | 12.35 |
| FY2024 | −10.6% | 3.13 |
| FY2023 | −13.7% | (7.18) |
| FY2022 | −6.56% | (39.02) |
| FY2021 | 32.5% | 18.19 |
| FY2020 | 14.3% | 16.32 |
| FY2019 | −2.05% | 80.98 |
| FY2018 | −83.0% | — |
Against its own ten years
Return on invested capital against peers
| Company | Return on invested capital |
|---|---|
| JCAP Jefferson Capital, Inc. compare | 42.0% |
| ATLC Atlanticus Holdings Corporation compare | 22.3% |
| EZPW EZCORP, Inc. compare | 13.9% |
| WU The Western Union Company compare | 13.3% |
| SLM SLM Corporation compare | 8.72% |
| AGM Federal Agricultural Mortgage Corporation compare | 5.67% |
| UPST Upstart Holdings, Inc. | 1.53% |
| BFH Bread Financial Holdings, Inc. compare | 0.00% |
| ECPG Encore Capital Group Inc compare | 0.00% |
| Credit Services industry median | 4.56% |
| Financial sector median | 4.70% |
| Market median | 0.00% |
What Return on invested capital is
Return on Invested Capital shows how much after-tax operating profit a company earns on the money its lenders and shareholders have put in.
TTM: (Operating Income × 0.625) ÷ (Shareholders Equity (Total) (latest quarter) + Long Term Debt (Total) (latest quarter) + Current Part of Debt (latest quarter) − Cash & Short Term Investments (latest quarter)); Annual: (Operating Income × 0.625) ÷ (Shareholders Equity (Total) + Long Term Debt (Total) + Current Part of Debt − Cash & Short Term Investments)
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
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement