Company / Return on Equity (ROE)
Upstart Holdings, Inc. Return on Equity (ROE) History
FY2020-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Return on Equity (ROE)
6.7%
FY2025
5-year range
-37.8% / 16.8%
FY2021-FY2025
Trend
+133.0%
vs FY2024
Sector context
#291 of 386
Financials
What the data says
Upstart Holdings, Inc.'s return on equity (roe) of 6.7% is lower than 75% of companies in the Financials sector (FY2025). Improved from -37.8% to 6.7% over the past 2 years.
Based on SEC 10-K filings.
6.7% in FY2025 with a 5-year CAGR of +4.7%.
Improved from -37.8% to 6.7% over the past 2 years.
Financials sector context is included.
Return on Equity (ROE) over time
Growth rates
- 3-Year Change
- +22.9pp
- 5-Year Change
- +4.7pp
- 10-Year Change
- -
Sector benchmark
Bottom 25% in FinancialsTop 75% of 386This company 6.7% Sector average 16.7%
▼
-59.9% below sector average
Key checks
Key Insights
- In FY2025, return on equity (roe) increased 133.0% year-over-year.
- Currently 10.0pp below the Financials sector average.
- Peak return on equity (roe) was recorded in FY2021.
- Lowest return on equity (roe) 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 | Return on Equity (ROE)Value | YoY GrowthYoY |
|---|---|---|
| FY2025 | 6.7% | +133.0% |
| FY2024 | -20.3% | +46.3% |
| FY2023 | -37.8% | -133.9% |
| FY2022 | -16.2% | -196.3% |
| FY2021 | 16.8% | +743.2% |
| FY2020 | 2.0% | - |
| FY2019 | - | - |
As of FY2025 · SEC 10-K · Updated Feb 28, 2026