Company / Return on Assets (ROA)
Upstart Holdings, Inc. Return on Assets (ROA) History
FY2020-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Return on Assets (ROA)
1.8%
FY2025
5-year range
-11.9% / 1.8%
FY2021-FY2025
Trend
+133.1%
vs FY2024
Sector context
#161 of 402
Financials
What the data says
At 1.8%, Upstart Holdings, Inc.'s return on assets (roa) ranks #161 of 402 in the Financials sector. Return on Assets (ROA) has fluctuated over the past 6 years, ranging from -11.9% in FY2023 to 1.8% in FY2025.
Based on SEC 10-K filings.
1.8% in FY2025 with a 5-year CAGR of +0.5%.
Improved from -11.9% to 1.8% over the past 2 years.
Financials sector context is included.
Return on Assets (ROA) over time
Growth rates
- 3-Year Change
- +1.5pp
- 5-Year Change
- +0.5pp
- 10-Year Change
- -
Sector benchmark
#161 of 402 in FinancialsTop 40% of 402This company 1.8% Sector average 2.8%
▼
-34.8% below sector average
Key checks
Key Insights
- In FY2025, return on assets (roa) increased 133.1% year-over-year.
- Currently 1.0pp below the Financials sector average.
- Lowest return on assets (roa) 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 | Return on Assets (ROA)Value | YoY GrowthYoY |
|---|---|---|
| FY2025 | 1.8% | +133.1% |
| FY2024 | -5.4% | +54.4% |
| FY2023 | -11.9% | -3938.7% |
| FY2022 | 0.3% | +1133.3% |
| FY2021 | -0.0% | -102.4% |
| FY2020 | 1.3% | - |
| FY2019 | - | - |
As of FY2025 · SEC 10-K · Updated Jun 30, 2026