TTM
4.2%
YoY change
+23.98pp
Trough year (2023)
-43.8%
Peak year (2021)
15.9%
Latest annual
5.0%
Net Profit Margin history chart for Upstart Holdings (UPST) from 2017 to 2025
Latest: 5.0%
Net Profit Margin change chart for Upstart Holdings (UPST) from 2017 to 2025
Latest: +23.98pp
Net Profit Margin history table for Upstart Holdings (UPST) from 2017 to 2025
| 2025 | 5.0% | +23.98pp | ||
| 2024 | -19.0% | +24.85pp | ||
| 2023 | -43.8% | -31.11pp | ||
| 2022 | -12.7% | -28.67pp | ||
| 2021 | 15.9% | +13.34pp | ||
| 2020 | 2.6% | +2.85pp | ||
| 2019 | -0.2% | +12.64pp | ||
| 2018 | -12.9% | +0.98pp | ||
| 2017 | -13.9% | — |
- 20255.0%+23.98pp
- 2024-19.0%+24.85pp
- 2023-43.8%-31.11pp
- 2022-12.7%-28.67pp
- 202115.9%+13.34pp
- 20202.6%+2.85pp
- 2019-0.2%+12.64pp
- 2018-12.9%+0.98pp
- 2017-13.9%—
Net Profit Margin values are taken from Upstart Holdings's reported income statements (quarterly 10-Q and annual 10-K filings with the U.S. Securities and Exchange Commission). Each row shows the period end date and the filing date. YoY compares each figure to the same period one year earlier. Amounts are in USD as filed.
About Net Profit Margin at Upstart Holdings (UPST)
According to Upstart Holdings's latest reported financial statements, the company's latest reported net margin is 4.2%. Net profit margin is net income divided by revenue — the bottom-line share of each sales dollar that remains after all costs, including operating expenses, interest, and taxes. It is the most comprehensive profitability ratio, though it can swing on one-off items, so read it alongside the multi-year trend below.
Headline figure above is from the reporting period ending (reported ). Chart and table below cover the full reported history back to .
The 2025 reading of Upstart Holdings (UPST) net margin is 4.98% – expanded 24.0 percentage points year-over-year.
15.94% stands as the all-time-high annual net margin, posted in 2021, against a low of -43.84% during 2023.
Upstart Holdings Net Profit Margin by Year
Upstart Holdings Net Profit Margin 2025: 5.0%
Upstart Holdings net margin in 2025 was 4.98%, expanded 24.0 percentage points from 2024.
Upstart Holdings Net Profit Margin 2024: -19.0%
2024's net margin for Upstart Holdings came in at -18.99%, expanded 24.8 percentage points from 2023.
Upstart Holdings Net Profit Margin 2023: -43.8%
Upstart Holdings posted net margin of -43.84% in 2023, contracted 31.1 percentage points from 2022. This figure represents the lowest annual value in the available history.
Upstart Holdings Net Profit Margin 2022: -12.7%
In 2022, Upstart Holdings reported net margin of -12.73%, contracted 28.7 percentage points from 2021.
Upstart Holdings Net Profit Margin 2021: 15.9%
Upstart Holdings net margin in 2021 was 15.94%.
See more financial history for Upstart Holdings (UPST).
Sector peers by Net Profit Margin
Financial Services peers of Upstart Holdings (UPST), ranked by their latest net margin
| 51.7% | |
| 45.9% | |
| 20.7% | |
| 19.3% | |
| 18.1% | |
| 17.3% | |
| 16.3% | |
| 15.1% |
- 51.7%
- 45.9%
- 20.7%
- 17.3%
- 16.3%
- 15.1%
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