Upstart Holdings, Inc. (UPST) Earnings History
Growth Compounder8 years of earnings data (2018–2025) · Consistent double-digit EPS growth over 5 years
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Upstart Holdings, Inc. (UPST) Earnings Overview
As of November 7, 2026, Upstart Holdings, Inc. (UPST) reported trailing twelve-month net income of $65M, reflecting +131.3% year-over-year growth. The company earned $0.52 per diluted share over the past four quarters, with a net profit margin of 5.2%.
Looking at the long-term picture, UPST's 5-year EPS compound annual growth rate (CAGR) stands at +14.4%, showing solid earnings momentum. The company achieved its highest annual net income of $135M in fiscal 2021.
Upstart Holdings, Inc. maintains positive profitability with a gross margin of 100.0%, operating margin of 5.3%, and net margin of 5.2%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including HAPN ($211M net income, 10.2% margin), SOFI ($738M net income, 13.3% margin), AFRM ($2.01B net income, 48.9% margin), UPST has room to improve margins relative to the peer group. Compare UPST vs HAPN →
UPST Earnings vs Peers
Earnings metrics vs comparable public companies
UPST Historical Earnings Data (2018–2025)
8 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $54M | +141.7% | $54M | $0.45 | 5.2% | 5.3% |
| 2024 | -$129M | +46.5% | -$128M | $-1.44 | -20.4% | -20.4% |
| 2023 | -$240M | -121.0% | -$240M | $-2.87 | -47.3% | -47.2% |
| 2022 | -$109M | -180.2% | -$109M | $-1.31 | -13.0% | -13.0% |
| 2021 | $135M | +2163.8% | $134M | $1.43 | 16.0% | 15.8% |
| 2020 | $6M | +1383.9% | $6M | $0.23 | 2.7% | 2.7% |
| 2019 | $-466,000 | +96.2% | -$5M | $-0.03 | -0.3% | -3.0% |
| 2018 | -$12M | - | -$8M | $-0.87 | -17.8% | -11.5% |
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UPST — Frequently Asked Questions
Quick answers to the most common questions about buying UPST stock.
What is UPST earnings per share (EPS)?
UPST trailing twelve-month (TTM) diluted EPS is $0.52, reflecting +131.3% year-over-year growth. The 5-year EPS CAGR is +14.4%. Complete EPS history from 2018 to 2025 is available in the table on this page.
What is Upstart Holdings, Inc.'s net income?
Upstart Holdings, Inc. (UPST) trailing twelve-month net income is $65M as of 2025. Earnings grew +131.3% year-over-year.
Is UPST profitable?
Yes, UPST is profitable with a TTM net income of $65M and a net profit margin of +5.2%.
What is UPST's earnings growth rate?
UPST compound annual EPS growth rates (CAGR): 1-Year: N/A, 3-Year: N/A, 5-Year: +14.4%, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2018 to 2025.
What are UPST's profit margins?
Upstart Holdings, Inc. net profit margin is +5.2%, operating margin is +5.3%, and gross margin is +100.0%. Margins are within a typical range for the sector. Return on Equity is +7.5%.
Is UPST growing earnings?
Yes, UPST earnings are accelerating — EPS growth of +131.3% exceeds the 5-year CAGR of +14.4%. TTM net income reached $65M. Earnings momentum is strengthening.
What was UPST's best earnings year?
Upstart Holdings, Inc.'s highest annual net income on record is $135M, achieved in fiscal year 2021. Earnings history on this page spans 2018 to 2025 and includes all annual and quarterly figures.
What were UPST's earnings last quarter?
UPST's most recent reported quarter was Q3 2026. Net income was $37M with diluted EPS of $0.33. For a full breakdown of all quarters, see the quarterly earnings table on this page.