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Upstart Holdings, Inc. (UPST)
Financial Services · Credit Services · NasdaqGS
Upstart Holdings, Inc. revenue & earnings — last 7 fiscal years
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Revenue | $164.19M | $233.42M | $848.59M | $837.76M | $508.12M | $628.83M | $1.02B |
| Gross profit | — | — | — | — | — | — | — |
| Net income | $-466,000 | $5.98M | $135.44M | $-108.67M | $-240.13M | $-128.58M | $53.60M |
| Net margin | -0.3% | 2.6% | 16.0% | -13.0% | -47.3% | -20.4% | 5.2% |
Source: Upstart Holdings, Inc. SEC filings (10-K).
Explore 7 years of Upstart Holdings, Inc. financials — interactive
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Upstart Holdings, Inc. financial history by metric
About Upstart Holdings, Inc.
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.
Upstart Holdings, Inc. — frequently asked questions
What is Upstart Holdings, Inc.'s revenue?
Upstart Holdings, Inc. (UPST) reported revenue of $1.02B for fiscal year 2025, up 62.8% from the prior year, according to its SEC filings.
Is Upstart Holdings, Inc. profitable?
Yes. UPST earned net income of $53.60M in fiscal 2025, a net margin of 5.2%.
What is UPST's P/E ratio?
Upstart Holdings, Inc. trades at a price-to-earnings ratio of about 73.1 based on the latest data in our nightly-refreshed cache.
How fast is Upstart Holdings, Inc. growing?
UPST's revenue grew at roughly 34.4% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does Upstart Holdings, Inc. have?
As of fiscal year 2025, UPST carried roughly $1.83B in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Upstart Holdings, Inc.'s market cap?
Upstart Holdings, Inc. (UPST) has a market capitalization of about $2.87B, based on the latest data in our nightly-refreshed cache.
When does Upstart Holdings, Inc.'s fiscal year end?
UPST's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
Where does this data come from?
All figures are computed from Upstart Holdings, Inc.'s official SEC filings (10-K and 10-Q), covering 7 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.