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Return on assets at other companies

Enova International logo
Enova InternationalENVA
5.3%+0.7pp
SoFi Technologies, Inc. logo
SoFi Technologies, Inc.SOFI
1.3%-0.1pp
Affirm Holdings, Inc. logo
Affirm Holdings, Inc.AFRM
3.2%+2.8pp
Dave, Inc. logo
Dave, Inc.DAVE
53.2%+34.2pp
Ally Financial logo
Ally FinancialALLY
0.7%+0.6pp
Blue Owl Technology Finance Corp. logo
Blue Owl Technology Finance Corp.OTF
3%-0.1pp

Other financials

Income statement

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Revenue$308.2M+44.4%
Operating income-$7.5M-67.2%
Net income-$6.6M-172%
EPS (diluted)-$0.07-133%

Balance sheet

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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

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Operating cash flow-$133.3M-888%
CapEx$2.8M
Free cash flow-$136.0M-909%

Valuation

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Market cap$3.12B-43.6%

Profitability

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Operating margin3.5%+1.9pp
Net margin4.3%+2.6pp
FCF margin27%+16.9pp

Returns & leverage

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Return on equity7%+4.4pp
Debt / equity2.6×+0.6×

Where this comes from

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

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 return on assets?
Upstart Holdings, Inc. (UPST) reported return on assets of 1.9% in Q1 2026.
How has Upstart Holdings, Inc.'s return on assets changed year-over-year?
Upstart Holdings, Inc.'s return on assets increased by 159.7% year-over-year, from -3.1% to 1.9%.
What is the long-term trend for Upstart Holdings, Inc.'s return on assets?
Over 4 years (2021 to 2025), Upstart Holdings, Inc.'s return on assets has grown at a -35.8% compound annual growth rate (CAGR), from 11.8% to 2%.
What does return on assets mean?
Trailing-twelve-month net income divided by average total assets. Measures how efficiently the asset base generates profit, independent of how those assets are financed. Computed as net income over average total assets — note this is OpenCapital's standard definition and may differ from data vendors that use alternative numerators.