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NASDAQ: UPST
Upstart Holdings Inc Earnings Dates, Reports, Calls

OverviewForecastEarnings
RevenueDividendOwnership
Upstart Holdings earnings were $65.1M for the trailing 12 months ending Sep 30, 2026, with 94.1% growth year over year. The latest UPST earnings report on Sep 30, 2026 announced Q3 2026 earnings of $36.6M, up 121.2% from last quarter. For the last reported fiscal year 2025 ending Dec 31, 2025, UPST reported annual earnings of $53.6M, with -141.7% growth.

UPST past earnings growth

How has UPST's earnings growth performed historically?

Company
94.12%
Industry
66.47%
Market
92.92%
UPST's earnings have grown slower... subscribe to Premium to read more.
Earnings Growth vs Industry Performance
UPST's earnings have grown slower... subscribe to Premium to read more.
Earnings Growth vs Market Performance
UPST's earnings growth is accelerating... subscribe to Premium to read more.
Accelerating Earnings Growth Performance

UPST earnings history

Current Revenue
$1.3B
Current Earnings
$65.1M
Current Profit Margin
4.9%

UPST Return on Equity

Current Company
8.1%
Current Industry
105.1%
Current Market
37.4%
UPST's Return on Equity (8.1%)... subscribe to Premium to read more.
High Return on Equity Performance

UPST Return on Assets

Current Company
2.1%
Current Industry
19.6%
UPST is generating lower Return... subscribe to Premium to read more.
Above Average Return on Assets Performance

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UPST Return on Capital Employed

Current Company
0%
Current Industry
36.8%

UPST vs Credit Service Stocks

TickerEBITDAEarningsY/Y EarningsEPS
UPST$92.56M$65.11M-7.97%$0.66
WU$771.10M$333.80M-11.58%$1.07
AGM$293.29M$206.22M+11.79%$19.01
HAPN$337.46M$210.58M+62.63%$1.82
EZPW$348.00M$158.31M+34.86%$2.58
View Top Credit Service Stocks

Upstart Holdings Earnings Reports & History FAQ

What were Upstart Holdings's earnings last quarter?

On UPST's earnings call on Nov 3, 2026, Upstart Holdings (NASDAQ: UPST) reported Q3 2026 earnings per share (EPS) of $0.37, up 12.12% year over year. Total UPST earnings for the quarter were $36.58 million. In the same quarter last year, Upstart Holdings's earnings per share (EPS) was $0.33.

If you're new to stock investing, here's how to buy Upstart Holdings stock.

Is Upstart Holdings profitable or losing money?

As of the last Upstart Holdings earnings report, Upstart Holdings is currently profitable. Upstart Holdings's net profit (also called net income) for the twelve months ending Sep 30, 2026 was $65.11 million, a 102.13% increase year over year.

What was UPST's earnings growth in the past year?

As of Upstart Holdings's earnings date in Nov 3, 2026, Upstart Holdings's earnings has grown 94.12% year over year. This is 27.65 percentage points higher than the US Credit Services industry earnings growth rate of 66.47%. UPST earnings in the past year totalled $65.11 million.
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