Upstart Holdings (UPST) Operating Income (2020 - 2026)
Upstart Holdings (UPST) recorded Operating Income of $36 million in Q3 2026, up 52.1% from $23.67 million a year earlier and up 145.9% from the prior quarter.
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Analysis
Upstart Holdings (UPST) Operating Income (2020 - 2026) Analysis & Trends
On a TTM basis, Upstart Holdings' Operating Income came in at $62.04 million as of Sep 30, 2026, up 227.2% year-over-year; for FY2025, it came in at $42.63 million.
- Annual Operating Income has a five-year compound annual growth rate of 29.4% (FY2020 to FY2025).
- Across earlier years, Operating Income came in at -$172.86 million in FY2024, -$256.53 million in FY2023, -$113.86 million in FY2022 and $140.88 million in FY2021.
- The Q3 2026 figure is the highest quarterly Operating Income since Q4 2021.
- Per Business Quant, the preceding three quarters came in at $14.64 million (Q2 2026), -$7.52 million (Q1 2026) and $18.92 million (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Op. Inc (Qtr) |
|---|---|---|---|---|---|
| 1 | Block | 51.56 Bn | 23.34 Bn | 3.24 Bn | 428.49 Mn |
| 2 | PayPal Holdings | 50.29 Bn | 8.99 Bn | - | 1.40 Bn |
| 3 | Coinbase Global | 35.53 Bn | -4.11 Bn | - | 61.67 Mn |
| 4 | Fiserv | 33.43 Bn | 30.64 Bn | 2.76 Bn | -5.49 Bn |
| 5 | Corpay | 29.86 Bn | 18.68 Bn | - | 621.26 Mn |
| 6 | Global Payments | 25.78 Bn | 604.58 Mn | 2.01 Bn | 246.23 Mn |
| 7 | Guidewire Software | 13.57 Bn | 10.14 Bn | 269.68 Mn | 62.32 Mn |
| 8 | Jack Henry & Associates | 12.44 Bn | 12.35 Bn | 273.85 Mn | 136.77 Mn |
| 9 | Chime Financial | 11.95 Bn | 7.64 Bn | 646.07 Mn | 34.32 Mn |
| 10 | Upstart Holdings | 2.14 Bn | 101.94 Mn | 307.18 Mn | 36.00 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 36.00 Mn |
| Jun 30, 2026 | 14.64 Mn |
| Mar 31, 2026 | -7.52 Mn |
| Dec 31, 2025 | 18.92 Mn |
| Sep 30, 2025 | 23.67 Mn |
| Jun 30, 2025 | 4.54 Mn |
| Mar 31, 2025 | -4.50 Mn |
| Dec 31, 2024 | -4.75 Mn |
| Sep 30, 2024 | -45.15 Mn |
| Jun 30, 2024 | -55.49 Mn |
| Mar 31, 2024 | -67.47 Mn |
| Dec 31, 2023 | -47.50 Mn |
| Sep 30, 2023 | -43.85 Mn |
| Jun 30, 2023 | -33.34 Mn |
| Mar 31, 2023 | -131.84 Mn |
| Dec 31, 2022 | -58.50 Mn |
| Sep 30, 2022 | -58.09 Mn |
| Jun 30, 2022 | -32.11 Mn |
| Mar 31, 2022 | 34.83 Mn |
| Dec 31, 2021 | 60.41 Mn |
API Access
Upstart Holdings Operating Income API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=operating-income&ticker=UPST&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "operating-income", "ticker": "UPST", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=operating-income&ticker=UPST&period=max&api_key=YOUR_API_KEY");
const data = await res.json();