EPS (Diluted) for Upstart Holdings (UPST)
According to Upstart Holdings's latest reported financial statements, the company's current diluted EPS (TTM) is $0.45. Diluted earnings per share (EPS) is net income divided by the diluted weighted-average shares outstanding over the period. It expresses profit on a per-share basis — the figure investors use to value an individual share — and accounts for potential dilution from options, RSUs, and convertible securities.
Headline TTM above sums the four reported quarters through (reported ). Chart and table below cover the full reported history back to .
UPST
Currently viewingEPS (Diluted)Switch metric
TTM (last 4 quarters)
$0.45
YoY change
-131.3%
5Y CAGR
+14.4%
Peak year (2021)
$1.43
Latest annual
$0.45
EPS (Diluted) history chart for Upstart Holdings (UPST) from 2017 to 2025
EPS (Diluted) history table for Upstart Holdings (UPST) from 2017 to 2025
| Fiscal year | Period ended | Reported | EPS (Diluted) | YoY |
|---|---|---|---|---|
| 2025 | $0.45 | -131.3% | ||
| 2024 | $-1.44 | -49.8% | ||
| 2023 | $-2.87 | +119.1% | ||
| 2022 | $-1.31 | -191.6% | ||
| 2021 | $1.43 | +521.7% | ||
| 2020 | $0.23 | -807.7% | ||
| 2019 | $-0.03 | -96.3% | ||
| 2018 | $-0.87 | +55.4% | ||
| 2017 | $-0.56 | — |
EPS (Diluted) values are taken from Upstart Holdings's reported income statements (10-Q quarterly and 10-K annual filings with the U.S. Securities and Exchange Commission). Each row shows the period end date and the date the filing was reported; YoY compares each figure to the same period one year earlier. Amounts are in USD as filed.
Analysis
Upstart Holdings (UPST) most recent annual diluted EPS stands at $0.45 (2025) – plunged 131.3% year-over-year.
Through 2020–2025 (5 years), Upstart Holdings diluted EPS delivered a +14.4% annualised rate; sustaining 2 straight years of year-over-year growth.
Upstart Holdings diluted EPS peaked at $1.43 in 2021; the latest annual figure is $0.45 in 2025 (68.5% below peak).
The highest annual diluted EPS of $1.43 was reported in 2021. The lowest in the available history was $-2.87 in 2023.
Upstart Holdings (UPST) sits 9th of 8 Financial Services peers we track on this metric, against a peer median of $13.36.
Upstart Holdings EPS (Diluted) by Year
Upstart Holdings EPS (Diluted) 2025: $0.45
Upstart Holdings diluted EPS in 2025 was $0.45, plunged 131.3% below 2024.
Upstart Holdings EPS (Diluted) 2024: $-1.44
Upstart Holdings diluted EPS in 2024 was $-1.44, plunged 49.8% below 2023.
Upstart Holdings EPS (Diluted) 2023: $-2.87
Upstart Holdings diluted EPS in 2023 was $-2.87, surged 119.1% from 2022. This figure represents the lowest annual value in the available history.
Upstart Holdings EPS (Diluted) 2022: $-1.31
Upstart Holdings diluted EPS in 2022 was $-1.31, plunged 191.6% below 2021.
Upstart Holdings EPS (Diluted) 2021: $1.43
Upstart Holdings diluted EPS in 2021 was $1.43.
See more financial history for Upstart Holdings (UPST).
Sector peers — EPS (Diluted)
Companies in the same sector as Upstart Holdings, ranked by their latest diluted EPS.
| Company | EPS (Diluted) | Sector |
|---|---|---|
| The Goldman Sachs Group, Inc. (GS) | $51.32 | Financial Services |
| Berkshire Hathaway Inc. (BRK-B) | $31.04 | Financial Services |
| JPMorgan Chase & Co. (JPM) | $20.05 | Financial Services |
| Mastercard Incorporated (MA) | $16.52 | Financial Services |
| Visa Inc. (V) | $10.20 | Financial Services |
| Morgan Stanley (MS) | $10.20 | Financial Services |
| Wells Fargo & Company (WFC) | $6.32 | Financial Services |
| Bank of America Corporation (BAC) | $3.82 | Financial Services |
Frequently asked questions
What is Upstart Holdings's diluted EPS?
- Latest reported diluted EPS for Upstart Holdings (UPST) is $0.45 (period ending December 31, 2025).
How has Upstart Holdings diluted EPS changed year-over-year?
- Upstart Holdings (UPST) diluted EPS changed -131.3% year-over-year on the latest annual filing.
What is the long-term growth rate of Upstart Holdings diluted EPS?
- Upstart Holdings (UPST) diluted EPS compound annual growth rate is +14.4% over the most recent 5 years available.
When did Upstart Holdings diluted EPS hit its highest annual value?
- Upstart Holdings diluted EPS reached its highest annual value of $1.43 in 2021.
What was Upstart Holdings diluted EPS in 2024?
- Upstart Holdings (UPST) diluted EPS in 2024 was $-1.44.
What was Upstart Holdings diluted EPS in 2025?
- Upstart Holdings (UPST) diluted EPS in 2025 was $0.45.
Metrics overview
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