Company / Operating Income
Upstart Holdings, Inc. Operating Income History
FY2019-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Operating Income
$42.6M
FY2025
5-year range
-$256.5M / $140.9M
FY2021-FY2025
Trend
+124.7%
vs FY2024
Sector context
#89 of 109
Financials
What the data says
Upstart Holdings, Inc.'s operating income of $43M is lower than 82% of companies in the Financials sector (FY2025). Improved from -$257M to $43M over the past 2 years.
Based on SEC 10-K filings.
$43M in FY2025 with a 5-year CAGR of +29.4%.
Improved from -$257M to $43M over the past 2 years.
Financials sector context is included.
Operating Income over time
Growth rates
- 3-Year CAGR
- -
- 5-Year CAGR
- +29.4%
- 10-Year CAGR
- -
Sector benchmark
Bottom 18% in FinancialsTop 82% of 109This company $42.6M Sector average $1.2B
▼
-96.6% below sector average
Key checks
Key Insights
- 5-year CAGR of +29.4%, indicating consistent growth.
- In FY2025, operating income increased 124.7% year-over-year.
- Ranks #89 out of 109 companies in the Financials sector.
- Peak operating income was recorded in FY2021.
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 | Operating IncomeValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | $42.6M | +124.7% |
| FY2024 | -$172.9M | +32.6% |
| FY2023 | -$256.5M | -125.3% |
| FY2022 | -$113.9M | -180.8% |
| FY2021 | $140.9M | +1097.5% |
| FY2020 | $11.8M | +357.2% |
| FY2019 | -$4.6M | - |
As of FY2025 · SEC 10-K · Updated Feb 28, 2026