UPST UPSTART HLDGS INC revenue, earnings and financials

For the quarter ended June 30, 2026, UPSTART HLDGS INC reported revenue of $365M (up 41.7% from a year earlier), net income of $16.5M and diluted EPS of $0.16; over the last four quarters revenue was $1.25B and net income $60.3M; for the fiscal year ended December 2025 revenue was $1.04B, up 64.0% on the year before.

UPST annual revenue and earnings

• Fiscal year ended Dec 2025: revenue $1.04B, gross profit n/a, operating income $42.6M, net income $53.6M (margin 5.1%), EPS $0.45
• Fiscal year ended Dec 2024: revenue $637M, gross profit n/a, operating income −$173M, net income −$129M (margin -20.2%), EPS −$1.44
• Fiscal year ended Dec 2023: revenue $514M, gross profit n/a, operating income −$257M, net income −$240M (margin -46.8%), EPS −$2.87
• Fiscal year ended Dec 2022: revenue $842M, gross profit n/a, operating income −$114M, net income −$109M (margin -12.9%), EPS −$1.31
• Fiscal year ended Dec 2021: revenue $849M, gross profit n/a, operating income $141M, net income $135M (margin 16.0%), EPS $1.43

UPST quarterly revenue and earnings

• Quarter ended Jun 30, 2026: revenue $365M (up 41.7% year over year), net income $16.5M, EPS $0.16
• Quarter ended Mar 31, 2026: revenue $308M (up 44.4% year over year), net income −$6.65M, EPS −$0.07
• Quarter ended Dec 31, 2025 (from the annual report): revenue $296M (up 35.2% year over year), net income $18.6M, EPS $0.20
• Quarter ended Sep 30, 2025: revenue $277M (up 70.9% year over year), net income $31.8M, EPS $0.23
• Quarter ended Jun 30, 2025: revenue $257M (up 101.6% year over year), net income $5.61M, EPS $0.05
• Quarter ended Mar 31, 2025: revenue $213M (up 67.0% year over year), net income −$2.45M, EPS −$0.03
• Quarter ended Dec 31, 2024 (from the annual report): revenue $219M (up 56.1% year over year), net income −$2.76M, EPS −$0.01
• Quarter ended Sep 30, 2024: revenue $162M (up 20.5% year over year), net income −$6.76M, EPS −$0.07
• Quarter ended Jun 30, 2024: revenue $128M (down 6.0% year over year), net income −$54.5M, EPS −$0.62
• Quarter ended Mar 31, 2024: revenue $128M (up 24.2% year over year), net income −$64.6M, EPS −$0.74
• Quarter ended Dec 31, 2023 (from the annual report): revenue $140M (down 4.5% year over year), net income −$42.4M, EPS −$0.47
• Quarter ended Sep 30, 2023: revenue $135M (down 14.4% year over year), net income −$40.3M, EPS −$0.48
• Quarter ended Jun 30, 2023: revenue $136M (down 40.5% year over year), net income −$28.2M, EPS −$0.34
• Quarter ended Mar 31, 2023: revenue $103M (down 66.8% year over year), net income −$129M, EPS −$1.58
• Quarter ended Dec 31, 2022 (from the annual report): revenue $147M (down 51.8% year over year), net income −$55.3M, EPS −$0.60
• Quarter ended Sep 30, 2022: revenue $157M (down 31.2% year over year), net income −$56.2M, EPS −$0.69
• Quarter ended Jun 30, 2022: revenue $228M (up 17.6% year over year), net income −$29.9M, EPS −$0.36
• Quarter ended Mar 31, 2022: revenue $310M (up 155.6% year over year), net income $32.7M, EPS $0.34
• Quarter ended Dec 31, 2021 (from the annual report): revenue $305M, net income $58.9M, EPS $0.63
• Quarter ended Sep 30, 2021: revenue $228M, net income $29.1M, EPS $0.30

UPST cash flow, buybacks and dividends

• Fiscal year ended Dec 2025: operating cash flow −$148M, share buybacks n/a
• Fiscal year ended Dec 2024: operating cash flow $186M, share buybacks $0
• Fiscal year ended Dec 2023: operating cash flow −$112M, share buybacks $0
• Fiscal year ended Dec 2022: operating cash flow −$658M, share buybacks $178M
• Fiscal year ended Dec 2021: operating cash flow $168M, share buybacks $0

UPST balance sheet

• Jun 30, 2026: cash $456M, total assets $3.17B, total liabilities $2.37B, shareholders' equity $797M
• Mar 31, 2026: cash $473M, total assets $2.96B, total liabilities $2.23B, shareholders' equity $733M
• Dec 31, 2025: cash $652M, total assets $2.97B, total liabilities $2.18B, shareholders' equity $799M
• Sep 30, 2025: cash $490M, total assets $2.90B, total liabilities $2.16B, shareholders' equity $744M
• Jun 30, 2025: cash $396M, total assets $2.48B, total liabilities $1.76B, shareholders' equity $722M
• Mar 31, 2025: cash $600M, total assets $2.30B, total liabilities $1.62B, shareholders' equity $677M
• Dec 31, 2024: cash $788M, total assets $2.37B, total liabilities $1.73B, shareholders' equity $633M
• Sep 30, 2024: cash n/a, total assets $1.81B, total liabilities $1.21B, shareholders' equity $596M

What is UPST's revenue?

UPSTART HLDGS INC reported $1.25B of revenue over its last four quarters, through June 30, 2026.

Is UPST profitable?

Yes. UPSTART HLDGS INC earned $60.3M over the last four quarters.

What is UPST's EPS?

Diluted earnings per share over the last four quarters were $0.52; $0.16 in the latest quarter.

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