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Consolidated Net IncomeCost of RevenueEBITEBITDAEBTEPS (Basic)EPS (Weighted Average and Diluted)Gross ProfitIncome from Continuing OperationsIncome towards Parent CompanyInterest ExpensesInterest ExpensesNet Income towards Common StockholdersNon Operating IncomeOperating ExpensesOperating IncomeOther Non Operating IncomeOther Operating ExpensesProfit After TaxResearch & DevelopmentRevenueSelling, General & AdministrativeShares OutstandingShares Outstanding (Diluted Average)Shares Outstanding (Weighted Average)Tax ProvisionsTax RateTax Rate
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Upstart Holdings (UPST) Operating Income (2020 - 2026)

Upstart Holdings has reported Operating Income over the past 6 years, most recently at $18.9 million for Q4 2025.

  • Quarterly Operating Income rose 498.29% to $18.9 million in Q4 2025 from the year-ago period, while the trailing twelve-month figure was $42.6 million through Dec 2025, up 124.66% year-over-year, with the annual reading at $42.6 million for FY2025, 124.66% up from the prior year.
  • Operating Income was $18.9 million for Q4 2025 at Upstart Holdings, down from $23.7 million in the prior quarter.
  • Over five years, Operating Income peaked at $60.4 million in Q4 2021 and troughed at -$131.8 million in Q1 2023.
  • The 5-year median for Operating Income is -$18.4 million (2022), against an average of -$18.0 million.
  • Year-over-year, Operating Income skyrocketed 2716.27% in 2021 and then tumbled 478.48% in 2023.
  • A 5-year view of Operating Income shows it stood at $60.4 million in 2021, then tumbled by 196.83% to -$58.5 million in 2022, then rose by 18.8% to -$47.5 million in 2023, then surged by 90.0% to -$4.8 million in 2024, then surged by 498.29% to $18.9 million in 2025.
  • Per Business Quant, the three most recent readings for UPST's Operating Income are $18.9 million (Q4 2025), $23.7 million (Q3 2025), and $4.5 million (Q2 2025).