Upstart Holdings, Inc.

UPSTNASDAQFinancial Services● Active

$30.95

+$1.21(+4.07%)

Market Cap$3.0B

P/E Ratio—

52W High$87.3

52W Low$23.965

Avg Volume4.8M

Open$29.77

Beta2.28

Net Income Financials Revenue

Upstart Holdings, Inc. (UPST) Net Income & Profit History

Annual & trailing net income, net margin, YoY change, and peer profitability context.

UPST · net income · updated Jun 8, 2026

Core profitability metrics

UPST · net income · margin · TTM · CAGR

Net income was $53.6M for FY2025 (fiscal year ending 2025-12-31), up 141.7% year-over-year. Net profit margin was 5.0%. Based on available data, Upstart Holdings, Inc. has been profitable since at least 2020.

FY2025 Net Income$53.6M▲ +141.7% YoY

Trailing 12M (TTM)$49.4Mtrailing 4 quarters sum

Net Profit Margin5.0%$53.6M ÷ $1.08B

YoY Change+141.7%—

5-Year CAGR+55.0%FY2020 → FY2025

FormulaNet Margin = Net Income ÷ Revenue × 100TTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /income-statement · US GAAP · USDUpdated: Jun 8, 2026

Annual net income history

Net Income (bars) · Net Profit Margin % (line)

Net IncomeNet LossNet Margin %★ First Profit: 2020

▸ FMP /income-statement · Annual · UPST net income history · UPST profit margin

Annual net income data

UPST · net income history · annual / quarterly

Fiscal YearNet IncomeYoY ChangeNet MarginRevenue

FY2025$53.6M▲ +141.7%5.0%$1.08B

FY2024Loss−$128.6M▲ +46.5%-19.0%$677.0M

FY2023Loss−$240.1M▼ 121.0%-43.8%$547.7M

FY2022Loss−$108.7M▼ 180.2%-12.7%$853.3M

FY2021$135.4M▲ +2163.8%15.9%$849.9M

Net income vs peers (Financial Services)

UPST vs peers · net income

#CompanyNet IncomeYoYNet MarginRelative

Upstart Holdings, Inc.YOU

UPST

$53.6M+141.7%5.0%

Berkshire Hathaway Inc.

BRK-A

$66.97B-24.8%18.0%

100%

Berkshire Hathaway Inc.

Mastercard Incorporated

$14.97B+16.3%45.6%

22%

Financial Services · Sorted by Net Income · FMP /income-statementFull Net Income Rankings →

About Net Income & Methodology

Upstart Holdings, Inc. (UPST) reported net income of $53.6M for FY2025 (fiscal year ending 2025-12-31), up 141.7% year-over-year. The net profit margin was 5.0% — meaning the company kept $0.05 of every dollar of revenue as profit.

Based on available data, Upstart Holdings, Inc. has been profitable since at least 2020. Net income reached a peak of $135.4M in FY2021. Data available for 9 fiscal years.

Upstart Holdings, Inc.'s net profit margin was 5.0% for FY2025, based on the latest annual results.

Investors sometimes search for "Upstart Holdings, Inc. net worth" — the company's market capitalization is a separate figure from UPST net income. Data sourced from FMP /income-statement · US GAAP · USD.

Figures tie to SEC 10-K/10-Q and FMP /income-statement where noted.

Revenue Financial statements Earnings Forecast Price history Market cap Free cash flow

Frequently asked questions

UPST net income · 5 questions

Upstart Holdings, Inc. is profitable. The company reported net income of $53.6M for FY2025, a net profit margin of 5.0%. Net income was up 141.7% year-over-year. Based on available data, Upstart Holdings, Inc. has been profitable since at least 2020.

is UPST profitabledoes UPST make a profitUPST profitabilityUPST profitable company

▸ Source: FMP /income-statement · GAAP · Upstart Holdings, Inc. · Upstart Holdings, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026