Net Income for Upstart Holdings (UPST)
According to Upstart Holdings's latest reported financial statements, the company's current net income (TTM) is $53.60M USD. Net income is the bottom-line profit after all expenses — cost of goods sold, operating expenses, interest, and taxes — are subtracted from revenue. It is the figure used to compute earnings per share (EPS) and is the residual available to shareholders.
Headline TTM above sums the four reported quarters through (reported ). Chart and table below cover the full reported history back to .
UPST
Currently viewingNet IncomeSwitch metric
TTM (last 4 quarters)
$53.60M
YoY change
-141.7%
5Y CAGR
+55.0%
Peak year (2021)
$135.44M
Cumulative net income
-$302.85M
Net Income history chart for Upstart Holdings (UPST) from 2017 to 2025
Net Income history table for Upstart Holdings (UPST) from 2017 to 2025
| Fiscal year | Period ended | Reported | Net Income | YoY |
|---|---|---|---|---|
| 2025 | $53.60M | -141.7% | ||
| 2024 | -$128.58M | -46.5% | ||
| 2023 | -$240.13M | +121.0% | ||
| 2022 | -$108.67M | -180.2% | ||
| 2021 | $135.44M | +2163.8% | ||
| 2020 | $5.98M | -1383.9% | ||
| 2019 | -$466,000 | -96.2% | ||
| 2018 | -$12.32M | +59.6% | ||
| 2017 | -$7.72M | — |
Net Income 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
The 2025 reading of Upstart Holdings (UPST) net income is $53.60M – plunged 141.7% year-over-year.
Upstart Holdings net income compound annual growth for the 2020–2025 (5 years) window is +55.0%, sustaining 2 straight years of year-over-year growth.
Upstart Holdings net income plunged from $135.44M in 2021 to $53.60M in 2025, a 60.4% drawdown.
The dataset's maximum net income sits at $135.44M (2021); the minimum reading of -$240.13M dates to 2023.
Upstart Holdings (UPST) sits 9th of 8 Financial Services peers we track on this metric, against a peer median of $20.70B.
Upstart Holdings Net Income by Year
Upstart Holdings Net Income 2025: $53.60M
Upstart Holdings net income in 2025 was $53.60M, plunged 141.7% below 2024.
Upstart Holdings Net Income 2024: -$128.58M
Upstart Holdings net income in 2024 was -$128.58M, plunged 46.5% below 2023.
Upstart Holdings Net Income 2023: -$240.13M
Upstart Holdings net income in 2023 was -$240.13M, surged 121.0% from 2022. This figure represents the lowest annual value in the available history.
Upstart Holdings Net Income 2022: -$108.67M
Upstart Holdings net income in 2022 was -$108.67M, plunged 180.2% below 2021.
Upstart Holdings Net Income 2021: $135.44M
Upstart Holdings net income in 2021 was $135.44M.
See more financial history for Upstart Holdings (UPST).
Sector peers — Net Income
Companies in the same sector as Upstart Holdings, ranked by their latest net income.
| Company | Net Income | Sector |
|---|---|---|
| Berkshire Hathaway Inc. (BRK-B) | $66.97B | Financial Services |
| JPMorgan Chase & Co. (JPM) | $57.05B | Financial Services |
| Bank of America Corporation (BAC) | $30.51B | Financial Services |
| Wells Fargo & Company (WFC) | $21.34B | Financial Services |
| Visa Inc. (V) | $20.06B | Financial Services |
| The Goldman Sachs Group, Inc. (GS) | $17.18B | Financial Services |
| Morgan Stanley (MS) | $16.86B | Financial Services |
| Mastercard Incorporated (MA) | $14.97B | Financial Services |
Frequently asked questions
What is Upstart Holdings's net income?
- Latest reported net income for Upstart Holdings (UPST) is $53.60M (period ending December 31, 2025).
How has Upstart Holdings net income changed year-over-year?
- Upstart Holdings (UPST) net income changed -141.7% year-over-year on the latest annual filing.
What is the long-term growth rate of Upstart Holdings net income?
- Upstart Holdings (UPST) net income compound annual growth rate is +55.0% over the most recent 5 years available.
When did Upstart Holdings net income hit its highest annual value?
- Upstart Holdings net income reached its highest annual value of $135.44M in 2021.
What was Upstart Holdings net income in 2024?
- Upstart Holdings (UPST) net income in 2024 was -$128.58M.
What was Upstart Holdings net income in 2025?
- Upstart Holdings (UPST) net income in 2025 was $53.60M.
Metrics overview
Pick a metric for charts, filings, and peers — each row shows the latest TTM or annual value with year-over-year change.
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