Upstart Holdings (UPST) Consolidated Net Income (2020 - 2026)
Upstart Holdings (UPST) posted quarterly Consolidated Net Income of -$6.6 million for Q1 2026, down 171.6% YoY from $9.3 million in Q1 2025, and down 135.66% sequentially from $18.6 million in Q4 2025.
Upstart Holdings (UPST) Consolidated Net Income (2020 - 2026) Analysis & Trends
Upstart Holdings has disclosed Consolidated Net Income across 7 years of filings, most recently posting -$6.6 million for Q1 2026.
- In Q1 2026, Consolidated Net Income fell 171.6% year-over-year to -$6.6 million; the TTM figure through Mar 2026 stood at $49.4 million (up 174.37% YoY), while the FY2025 annual figure was $53.6 million, up 141.69% from the prior year.
- Consolidated Net Income slipped to -$6.6 million in Q1 2026, from $18.6 million in the prior quarter.
- Over the last five years, Consolidated Net Income for UPST reached as high as $32.7 million in Q1 2022 and fell as low as -$129.3 million in Q1 2023.
- The 5-year median for Consolidated Net Income is -$28.2 million (2023), against an average of -$25.3 million.
- Annual changes were most pronounced in 2023 — Consolidated Net Income sank 495.37% — and 2025, when it jumped 776.44%.
- A 5-year view of Consolidated Net Income shows it stood at -$55.3 million in 2022, then climbed by 23.28% to -$42.4 million in 2023, then surged by 93.5% to -$2.8 million in 2024, then soared by 776.44% to $18.6 million in 2025, then plunged by 135.66% to -$6.6 million in 2026.
- According to Business Quant data, Consolidated Net Income over the past three periods registered -$6.6 million, $18.6 million, and $31.8 million for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Consol Net Inc. (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 6.02 Bn |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 3.88 Bn |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 2.97 Bn |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 1.11 Bn |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 102.88 Mn |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 166.73 Mn |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 319.00 Mn |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 122.00 Mn |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 84.56 Mn |
| 10 | Upstart Holdings | 3.46 Bn | 2.99 Bn | 221.97 Mn | -6.65 Mn |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | -6.65 Mn |
| Dec 31, 2025 | 18.64 Mn |
| Sep 30, 2025 | 31.81 Mn |
| Jun 30, 2025 | 5.61 Mn |
| Mar 31, 2025 | -2.45 Mn |
| Dec 31, 2024 | -2.76 Mn |
| Sep 30, 2024 | -6.76 Mn |
| Jun 30, 2024 | -54.47 Mn |
| Mar 31, 2024 | -64.60 Mn |
| Dec 31, 2023 | -42.40 Mn |
| Sep 30, 2023 | -40.32 Mn |
| Jun 30, 2023 | -28.17 Mn |
| Mar 31, 2023 | -129.25 Mn |
| Dec 31, 2022 | -55.26 Mn |
| Sep 30, 2022 | -56.22 Mn |
| Jun 30, 2022 | -29.87 Mn |
| Mar 31, 2022 | 32.69 Mn |
| Dec 31, 2021 | 58.94 Mn |
| Sep 30, 2021 | 29.11 Mn |
| Jun 30, 2021 | 37.28 Mn |