Upstart Financial Ratios
NASDAQ: UPSTFinanceFinance: Consumer ServicesUSD
24.10-0.09 (-0.37%)
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Upstart ratio analysis
Upstart earned a net margin of 5.1% in FY 2025, up from -20.2% a year earlier. Return on equity reached 6.7%, meaning Upstart generated 0.07 dollars of profit for every dollar of shareholders' equity. Valuation ratios use the closing share price on each fiscal year-end date and diluted shares from the income statement; profitability and leverage ratios use reported annual figures. Current valuation multiples are on the statistics page.
Summary generated from market data by MetaCap's automated system. Methodology
Upstart financial ratios (annual)
| Ratio | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|
| P/E ratio (at fiscal year end) | 101.87 | — | — | — | 105.80 | — | — |
| Price / sales | 4.22 | 9.01 | 6.66 | 1.30 | 13.93 | 3.06 | — |
| Price / book | 5.51 | 9.05 | 5.39 | 1.63 | 14.64 | 2.38 | — |
| Operating margin | 4.1% | -27.2% | -50.0% | -13.5% | 16.6% | 5.0% | -2.8% |
| Net margin | 5.1% | -20.2% | -46.8% | -12.9% | 16.0% | 2.6% | -0.3% |
| Free cash flow margin | -14.2% | 29.1% | -22.0% | -79.1% | 18.8% | 6.1% | 16.8% |
| Return on equity (ROE) | 6.7% | -20.3% | -37.8% | -16.2% | 16.8% | 2.0% | — |
| Return on assets (ROA) | 1.8% | -5.4% | -11.9% | -5.6% | 7.4% | 1.3% | — |
| Revenue growth | 64.0% | 23.9% | -39.0% | -0.7% | 263.6% | 42.2% | — |
| EPS growth | — | — | — | -191.6% | — | — | — |