UPST - Upstart Holdings, Inc.

📈 Is growth accelerating? 6 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Revenue Growth YoY (%)	41.7% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+596%)	44.4% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+641%)	35.2% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+487%)	70.9% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1082%)	101.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1593%)	67.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1016%)	56.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+834%)	10.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+75%)	-11.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-286%)	9.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+52%)	-4.5% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-175%)	-18.2% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-403%)	-44.4% Weak → Weak Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-840%)	-62.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-1145%)	-51.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-963%)	-21.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-458%)	33.2% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+453%)	158.8% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2546%)	251.6% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+4093%)	249.5% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+4059%)	1017.7% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+16861%)	78.4% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1207%)	—	—	—	—	—
EPS Growth YoY (%)	183.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-133.3% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	N/M	95.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	95.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	85.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-82.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	53.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	26.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	30.4% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	5.6% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	N/M	N/M	178.6% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	208.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	—	—	—	—	—	—
Net Income Growth YoY (%)	195.0% Excellent Excellent Year-over-year change in net income	-171.6% Weak Weak Year-over-year change in net income	N/M	N/M	N/M	96.2% Excellent ↑ Excellent Improving Year-over-year change in net income	93.5% Excellent ↑ Excellent Improving Year-over-year change in net income	83.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-93.4% Weak ↓ Weak Declining Year-over-year change in net income	50.0% Excellent ↑ Excellent Improving Year-over-year change in net income	23.3% Good ↑ Good Improving Year-over-year change in net income	28.3% Excellent Excellent Year-over-year change in net income	5.7% Fair Fair Year-over-year change in net income	N/M	N/M	N/M	N/M	223.6% Excellent ↓ Excellent Declining Year-over-year change in net income	5639.4% Excellent ↑ Excellent Improving Year-over-year change in net income	201.1% Excellent Excellent Year-over-year change in net income	N/M	582.6% Excellent Excellent Year-over-year change in net income	—	—	—	—	—
FCF Growth YoY (%)	-14.1% Weak Weak Year-over-year change in free cash flow	-881.4% Weak Weak Year-over-year change in free cash flow	—	N/M	N/M	N/M	—	—	—	N/M	—	—	—	70.6% Excellent Excellent Year-over-year change in free cash flow	—	—	—	N/M	—	—	—	N/M	—	—	—	—	—
Revenue CAGR 3Y (%)	36.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	38.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	26.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	15.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	-0.1% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-12.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-10.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-10.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-13.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	1.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	17.4% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	30.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	102.3% Excellent Excellent Compound annual revenue growth over 3 years	19.9% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	13.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	20.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	27.8% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	33.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	71.5% Excellent Excellent Compound annual revenue growth over 5 years	25.7% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 4 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Operating Margin (%) (%)	4.0% Weak → Weak Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-84%)	-2.4% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-110%)	6.4% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-74%)	8.5% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	1.8% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-93%)	-2.1% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-108%)	-2.2% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-109%)	-27.8% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-211%)	-43.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-274%)	-52.8% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-311%)	-33.9% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-235%)	-29.9% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-220%)	-23.2% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-193%)	-112.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-550%)	-39.8% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-259%)	-32.4% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-230%)	-12.4% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-150%)	11.1% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	19.8% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	12.5% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-50%)	18.7% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	12.8% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-49%)	12.0% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-52%)	18.7% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	-65.6% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-363%)	0.8% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-97%)	—
Profit Margin (%) (%)	4.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-79%)	-2.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-110%)	6.3% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-71%)	11.5% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	2.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-90%)	-1.1% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-105%)	-1.3% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-106%)	-4.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-119%)	-42.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-294%)	-50.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-330%)	-30.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-237%)	-27.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-225%)	-19.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-189%)	-110.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-602%)	-37.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-271%)	-31.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-242%)	-11.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-153%)	10.4% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	19.3% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	12.7% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-42%)	19.2% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	8.3% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	1.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-95%)	14.8% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-33%)	-35.7% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-262%)	2.2% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-90%)	—
FCF Margin (%) (%)	-38.0% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-44.1% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	36.6% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	-44.3% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-46.7% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-6.3% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-50.7% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	110.5% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	57.6% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	40.6% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	-103.9% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—	—	-65.6% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	-161.9% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-57.4% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-22.3% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	-85.5% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	-4.8% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—	—	35.3% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	78.9% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	26.5% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	89.8% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	-128.0% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	-8.39x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	20.47x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	5.82x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-3.86x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-21.45x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	5.51x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	40.26x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-26.52x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-1.35x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-0.80x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	3.44x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	0.59x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	4.30x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.83x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.93x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-8.21x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	-0.25x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—	4.24x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	66.64x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.79x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-2.52x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	-58.80x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Return on Invested Capital (%)	1.5% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-0.8% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	1.9% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	2.5% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	0.5% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-0.5% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-0.6% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-6.0% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-7.4% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-8.7% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-5.9% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-5.4% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-4.1% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-16.6% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-6.9% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-6.4% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-3.4% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	3.1% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	5.9% Caution ↑ Caution Improving Return earned on debt + equity capital invested Optimal: > 10%	3.1% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	4.0% Caution ↑ Caution Improving Return earned on debt + equity capital invested Optimal: > 10%	3.8% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	2.7% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	—	—	—	—
Return on Capital (%) (%)	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	-0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	-0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	-3.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	—	-2.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-1.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	-7.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	1.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	—	1.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	4.0% Caution Caution Operating profit relative to total assets Optimal: > 10%	3.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—
Return on Common Equity (%) (%)	2.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	-0.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-108%)	2.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-81%)	4.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	0.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-94%)	-0.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-103%)	-0.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-104%)	-1.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-109%)	-9.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-176%)	-10.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-188%)	-6.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-156%)	-6.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-152%)	-4.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-137%)	-20.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-272%)	-8.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-168%)	-7.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-165%)	-3.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-133%)	3.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-69%)	7.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-39%)	4.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-66%)	5.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-57%)	3.2% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-74%)	0.3% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-97%)	—	—	—	—

⚖️ Is the balance sheet risky? 2 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Interest Coverage (x)	1.34x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-2.15x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	2.11x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	1.91x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	0.31x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-0.61x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-0.57x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-4.39x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-4.61x Weak → Weak Stable Operating income divided by interest expense Optimal: > 5x	-6.30x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-3.38x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-4.66x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-7.79x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-18.48x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-12.94x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-19.05x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-13.88x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	36.32x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	126.39x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	106.32x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	24.24x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	15.12x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	9.68x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	8.49x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	-5.04x Weak Weak Operating income divided by interest expense Optimal: > 5x	0.17x Weak Weak Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	$-455.96M	$-472.93M	$-652.39M	$-489.78M	—	$-599.78M	$-788.42M	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

📊 What does each share earn? 6 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Revenue per Share (USD)	$3.78	$3.18	—	$2.87	$2.69	$2.26	—	$1.80	$1.44	$1.47	—	$1.74	$1.73	$1.43	—	$2.20	$3.08	$3.73	—	$2.88	$2.53	$1.65	—	$4.44	$1.18	$4.65	—
Basic EPS, GAAP (USD)	$0.17	$-0.07	$0.19	$0.33	$0.06	$-0.03	$-0.02	$-0.07	$-0.62	$-0.74	$-0.49	$-0.48	$-0.34	$-1.58	$-0.67	$-0.69	$-0.36	$0.39	$0.73	$0.37	$0.49	$0.14	$0.00	$0.12	$-0.42	$0.00	—
Free Cash Flow per Share (USD)	$-1.44	$-1.40	—	$-1.27	$-1.26	$-0.14	—	$1.99	$0.83	$0.60	—	—	—	$-0.94	—	$-1.26	$-0.69	$-3.19	—	—	—	$0.58	—	$1.18	$1.06	$-5.95	—
Book Value per Share (USD)	$8.20	$7.66	$8.15	$7.65	$7.56	$7.12	$6.77	$6.61	$6.72	$6.98	—	$7.54	$7.61	$7.59	—	$8.80	$9.03	$10.35	—	$8.82	$9.22	$4.34	—	—	—	—	—
Tangible Book Value per Share (USD)	$7.43	$6.88	$7.38	$6.87	$7.56	$6.32	$5.96	$5.86	$5.97	$6.10	—	$6.60	$6.65	$6.61	—	$8.80	$9.03	$9.34	—	$7.74	$8.08	$4.34	—	—	—	—	—
Basic Weighted Avg Shares (shares)	96.57M	96.90M	—	96.68M	95.53M	94.27M	—	90.12M	88.44M	87.03M	—	84.40M	83.13M	81.91M	—	81.67M	83.83M	84.23M	—	79.39M	76.67M	73.63M	—	14.71M	14.66M	14.63M	—

🏦 How resilient is the balance sheet? 1 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Total Equity (USD)	$797.49M	$733.17M	$798.82M	$743.72M	$722.01M	$676.64M	$633.22M	$595.54M	$594.71M	$612.80M	$635.30M	$640.76M	$638.14M	$627.21M	$672.43M	$718.57M	$757.07M	$876.50M	$807.08M	$719.09M	$716.10M	$320.59M	$300.25M	—	—	—	$-61.69M

📋 What is driving earnings? 4 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Sales/Revenue/Turnover (USD)	$364.71M	$308.21M	$296.09M	$277.11M	$257.29M	$213.37M	$218.96M	$162.14M	$127.63M	$127.79M	$140.31M	$146.75M	$143.69M	$117.14M	$146.91M	$179.35M	$258.35M	$313.98M	$304.85M	$228.45M	$193.95M	$121.34M	$86.71M	$65.36M	$17.35M	$68.01M	—
Depreciation Expense (USD)	$7.13M	$5.86M	$6.46M	$6.13M	$5.84M	$6.40M	$4.70M	$5.39M	$4.83M	$5.63M	$9.10M	$3.90M	$4.40M	$6.44M	$3.65M	$3.72M	$3.35M	$2.78M	$2.56M	—	—	$816.00K	$647.00K	$581.00K	$535.00K	$515.00K	—
Net Income, GAAP (USD)	$16.54M	$-6.65M	$18.64M	$31.80M	$5.61M	$-2.45M	$-2.75M	$-6.76M	$-54.47M	$-64.60M	$-42.40M	$-40.31M	$-28.16M	$-129.25M	$-55.26M	$-56.22M	$-29.87M	$32.69M	$58.94M	$29.11M	$37.28M	$10.10M	$1.03M	$9.67M	$-6.19M	$1.48M	—
Operating Cash Flow (USD)	$-136.63M	$-133.30M	$108.55M	$-122.63M	$-120.16M	$-13.49M	$-110.93M	$179.34M	$73.58M	$52.62M	$-145.60M	—	—	$-75.73M	$-236.06M	$-101.37M	$-53.64M	$-266.80M	$-11.14M	—	—	$43.09M	$68.51M	$17.72M	$15.98M	$-86.52M	—

Upstart Holdings, Inc.

Analytical Summary

27-Year Financial Trajectory

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