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Return on equity at other companies

Enova International logo
Enova InternationalENVA
25.1%+5.2pp
SoFi Technologies, Inc. logo
SoFi Technologies, Inc.SOFI
6.6%-1.1pp
Affirm Holdings, Inc. logo
Affirm Holdings, Inc.AFRM
11.5%+9.9pp
Dave, Inc. logo
Dave, Inc.DAVE
111.6%+79.5pp
Ally Financial logo
Ally FinancialALLY
9.4%+7.2pp
Blue Owl Technology Finance Corp. logo
Blue Owl Technology Finance Corp.OTF
5.4%+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$3.01B-43.6%
Enterprise value$4.02B-29.1%
P/E61×
P/S2.6×-4.7×

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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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 equity?
Upstart Holdings, Inc. (UPST) reported return on equity of 7% in Q1 2026.
How has Upstart Holdings, Inc.'s return on equity changed year-over-year?
Upstart Holdings, Inc.'s return on equity increased by 168.0% year-over-year, from -10.3% to 7%.
What is the long-term trend for Upstart Holdings, Inc.'s return on equity?
Over 4 years (2021 to 2025), Upstart Holdings, Inc.'s return on equity has grown at a -25.6% compound annual growth rate (CAGR), from 24.5% to 7.5%.
What does return on equity mean?
Trailing-twelve-month net income divided by average shareholders' equity (average of the start and end of the trailing-twelve-month window). Measures the profit generated on each dollar of shareholder capital.