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Upstart Holdings, Inc. UPST Earnings yield

Earnings yield at other companies

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9.6%+0.2pp

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2.8%-0.9pp

Affirm Holdings, Inc.AFRM

2.5%+2.2pp

Dave, Inc.DAVE

9.7%+4.9pp

Ally FinancialALLY

11.6%+8.9pp

Blue Owl Technology Finance Corp.OTF

7.3%—

Other financials

Income statement

Revenue$308.2M+44.4%

Operating income-$7.5M-67.2%

Net income-$6.6M-172%

EPS (diluted)-$0.07-133%

Balance sheet

Cash & equivalents$931.3M+10.9%

Total debt$1.9B+40.3%

Total equity$733.2M+8.4%

Total assets$3.0B+29.0%

Cash flow

Operating cash flow-$133.3M-888%

CapEx$2.8M—

Free cash flow-$136.0M-909%

Valuation

Market cap$3.12B-43.6%

Profitability

Operating margin3.5%+1.9pp

Net margin4.3%+2.6pp

FCF margin27%+16.9pp

Returns & leverage

Return on equity7%+4.4pp

Debt / equity2.6×+0.6×

Where this comes from

Calculated from Upstart Holdings, Inc.’s reported figures.

net income/market cap=2%

Based on trailing twelve months.

The official record: Upstart Holdings, Inc.’s 10-Q, filed May 5, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Upstart Holdings, Inc.'s earnings yield?: Upstart Holdings, Inc. (UPST) reported earnings yield of 2% in Q1 2026.
How has Upstart Holdings, Inc.'s earnings yield changed year-over-year?: Upstart Holdings, Inc.'s earnings yield increased by 231.8% year-over-year, from -1.5% to 2%.
What is the long-term trend for Upstart Holdings, Inc.'s earnings yield?: Over 5 years (2020 to 2025), Upstart Holdings, Inc.'s earnings yield has grown at a 47.7% compound annual growth rate (CAGR), from 0.2% to 1.3%.
What does earnings yield mean?: Trailing-twelve-month net income divided by market capitalization at the quarter end — the inverse of the P/E ratio, expressed as a percentage.