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
DateValue
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