Company / Profit Margin
Upstart Holdings, Inc. Profit Margin History
FY2019-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Profit Margin
5.1%
FY2025
5-year range
-46.8% / 16.0%
FY2021-FY2025
Trend
+125.4%
vs FY2024
Sector context
#185 of 231
Financials
What the data says
Upstart Holdings, Inc.'s profit margin of 5.1% is lower than 80% of companies in the Financials sector (FY2025). Improved from -46.8% to 5.1% over the past 2 years.
Based on SEC 10-K filings.
5.1% in FY2025 with a 5-year CAGR of +2.6%.
Improved from -46.8% to 5.1% over the past 2 years.
Financials sector context is included.
Profit Margin over time
Growth rates
- 3-Year Change
- +18.0pp
- 5-Year Change
- +2.6pp
- 10-Year Change
- -
Sector benchmark
Bottom 20% in FinancialsTop 80% of 231This company 5.1% Sector average 17.5%
▼
-70.7% below sector average
Key checks
Key Insights
- In FY2025, profit margin increased 125.4% year-over-year.
- Currently 12.4pp below the Financials sector average.
- Peak profit margin was recorded in FY2021.
- Lowest profit margin in the period was in FY2023.
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 | Profit MarginValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | 5.1% | +125.4% |
| FY2024 | -20.2% | +56.8% |
| FY2023 | -46.8% | -262.5% |
| FY2022 | -12.9% | -180.8% |
| FY2021 | 16.0% | +523.4% |
| FY2020 | 2.6% | +1014.3% |
| FY2019 | -0.3% | - |
As of FY2025 · SEC 10-K · Updated Feb 28, 2026