Company / Financials
Upstart Holdings, Inc. Financials
FY2019-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableRevenue
$1.0B
FY2025 · +64.0% YoY
Net Income
$53.6M
FY2025 · +141.7% YoY
Profit Margin
5.1%
FY2025 · net income / revenue
ROE
6.7%
FY2025 · return on equity
Total Assets
$3.0B
FY2025
Total Debt
-
FY2025
Equity
$798.8M
FY2025
ROA
1.8%
FY2025 · return on assets
Statement paths
Financial highlights
Key Data Points
- Altman Z-Score 0.55 (distress zone, below 1.8 threshold)
- Negative profit margin: -20.2%
- Low earnings quality (accrual-heavy earnings)
Data sourced from SEC EDGAR filings. Not investment advice.
Metric history
Revenue HistoryTotal revenue from operations$1.0B+64.0% YoYNet Income HistoryProfit after all expenses and taxes$53.6M+141.7% YoYOperating Income HistoryProfit from core business operations before interest and taxes$42.6M+124.7% YoYSG&A Expense HistorySelling, general, and administrative expenses$253.7M+9.9% YoYR&D Expense HistoryResearch and development spending$257.6M+1.6% YoYInterest Expense HistoryCost of borrowing and debt obligations$93.8M+8736.7% YoYIncome Tax HistoryTotal income tax expense$728.0K+293.5% YoYEPS (Basic) HistoryBasic earnings per share$0.56+138.9% YoYEPS (Diluted) HistoryDiluted earnings per share including stock options and convertibles$0.45+131.3% YoYShares Outstanding HistoryWeighted average diluted shares outstanding107.5M+20.2% YoY