Connect your AI

Upstart Holdings, Inc. UPST Net margin

Net margin at other companies

Enova InternationalENVA

10%+1.6pp

SoFi Technologies, Inc.SOFI

14.6%-2.6pp

Affirm Holdings, Inc.AFRM

9.6%+8.2pp

Dave, Inc.DAVE

37.2%+23.5pp

Ally FinancialALLY

16.5%+12.6pp

TransUnionTRU

14.9%+6.3pp

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$3.01B-43.6%

Enterprise value$4.02B-29.1%

P/E61×—

P/S2.6×-4.7×

Profitability

Operating margin3.5%+1.9pp

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/total revenue=4.3%

Based on trailing twelve months.

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

Ask your AI about Upstart Holdings, Inc.'s net margin.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI

Harbor at dusk

Questions, answered.

What is Upstart Holdings, Inc.'s net margin?: Upstart Holdings, Inc. (UPST) reported net margin of 4.3% in Q1 2026.
How has Upstart Holdings, Inc.'s net margin changed year-over-year?: Upstart Holdings, Inc.'s net margin increased by 147.2% year-over-year, from -9.2% to 4.3%.
What is the long-term trend for Upstart Holdings, Inc.'s net margin?: Over 5 years (2020 to 2025), Upstart Holdings, Inc.'s net margin has grown at a 14.9% compound annual growth rate (CAGR), from 2.6% to 5.1%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.