Company / Interest Expense
Upstart Holdings, Inc. Interest Expense History
FY2019-FY2023 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Interest Expense
$34.9M
FY2023
5-year range
$8.0M / $34.9M
FY2019-FY2023
Trend
+334.8%
vs FY2022
Sector context
#194 of 224
Financials
What the data says
Interest Expense changed +335% YoY in FY2023, a notable deviation from the 4-year average annual change of +106%.
Based on SEC 10-K filings.
$35M in FY2023 with a 3-year CAGR of +63.2%.
Increased from $26M to $35M over the past 2 years.
Financials sector context is included.
Interest Expense over time
Growth rates
- 3-Year CAGR
- +63.2%
- 5-Year CAGR
- -
- 10-Year CAGR
- -
Sector benchmark
Top 13% in FinancialsTop 13% of 224This company $34.9M Sector average $1.1B
▼
-97.0% below sector average
Key checks
Key Insights
- 3-year CAGR of +63.2%, indicating consistent growth.
- In FY2023, interest expense increased 334.8% year-over-year.
- Ranks #194 out of 224 companies in the Financials sector.
- Lowest interest expense in the period was in FY2022.
Company context
Key Data Points
- Altman Z-Score 0.45 (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 | - | - |
| FY2024 | - | - |
| FY2023 | $34.9M | +334.8% |
| FY2022 | $8.0M | -69.7% |
| FY2021 | $26.5M | +230.0% |
| FY2020 | $8.0M | -69.7% |
| FY2019 | $26.5M | - |
As of FY2023 · SEC 10-K · Updated Jun 30, 2026