Company / Net Income
Upstart Holdings, Inc. Net Income History
FY2019-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Net Income
$53.6M
FY2025
5-year range
-$240.1M / $53.6M
FY2021-FY2025
Trend
+141.7%
vs FY2024
Sector context
#335 of 412
Financials
What the data says
Upstart Holdings, Inc.'s net income of $54M is lower than 81% of companies in the Financials sector (FY2025). Net Income has fluctuated over the past 7 years, ranging from -$240M in FY2023 to $54M in FY2025.
Based on SEC 10-K filings.
$54M in FY2025 with a 5-year CAGR of +55.0%.
Improved from -$240M to $54M over the past 2 years.
Financials sector context is included.
Net Income over time
Growth rates
- 3-Year CAGR
- +107.7%
- 5-Year CAGR
- +55.0%
- 10-Year CAGR
- -
Sector benchmark
Bottom 19% in FinancialsTop 81% of 412This company $53.6M Sector average $1.5B
▼
-96.5% below sector average
Key checks
Key Insights
- 5-year CAGR of +55.0%, indicating consistent growth.
- In FY2025, net income increased 141.7% year-over-year.
- Ranks #335 out of 412 companies in the Financials sector.
- Lowest net income in the period was in FY2023.
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 | Net IncomeValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | $53.6M | +141.7% |
| FY2024 | -$128.6M | +46.5% |
| FY2023 | -$240.1M | -4113.6% |
| FY2022 | $6.0M | +1383.9% |
| FY2021 | -$466.0K | -107.8% |
| FY2020 | $6.0M | +1383.9% |
| FY2019 | -$466.0K | - |
As of FY2025 · SEC 10-K · Updated Jun 30, 2026