Company / Interest Expense
Upstart Holdings, Inc. Interest Expense History
FY2019-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Interest Expense
$93.8M
FY2025
5-year range
-$64.8M / $93.8M
FY2021-FY2025
Trend
+8736.7%
vs FY2024
Sector context
#209 of 265
Financials
What the data says
Interest Expense changed +8737% YoY in FY2025, a notable deviation from the 6-year average annual change of +1110%.
Based on SEC 10-K filings.
$94M in FY2025 with a 5-year CAGR of +63.5%.
Increased from -$47M to $94M over the past 2 years.
Financials sector context is included.
Interest Expense over time
Growth rates
- 3-Year CAGR
- -
- 5-Year CAGR
- +63.5%
- 10-Year CAGR
- -
Sector benchmark
Top 21% in FinancialsTop 21% of 265This company $93.8M Sector average $974.7M
▼
-90.4% below sector average
Key checks
Key Insights
- Upstart Holdings, Inc.'s interest expense has grown for 3 consecutive years.
- 5-year CAGR of +63.5%, indicating consistent growth.
- In FY2025, interest expense increased 8736.7% year-over-year.
- Ranks #209 out of 265 companies in the Financials sector.
Company context
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.
Annual data
| Year | Interest ExpenseValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | $93.8M | +8736.7% |
| FY2024 | $1.1M | +102.3% |
| FY2023 | -$46.9M | +27.7% |
| FY2022 | -$64.8M | -2080.1% |
| FY2021 | $3.3M | -59.2% |
| FY2020 | $8.0M | -69.7% |
| FY2019 | $26.5M | - |
As of FY2025 · SEC 10-K · Updated Feb 28, 2026