KPIs & Operating Metrics(New)
Balance Sheet
Accumulated ExpensesAssetsCash & Current InvestmentsCash & EquivalentsCommon EquityGoodwillGoodwill & IntangiblesIntangiblesLiabilities and Shareholders EquityLong-Term InvestmentsMinority InterestOperating LeasesOther Non-Current AssetsOther Non-Current LiabilitiesProperty, Plant & Equipment (Net)Property, Plant & Equipment (Net)Receivables - OtherRetained EarningsShareholder's EquityShares OutstandingTotal LiabilitiesTotal Non-Current LiabilitiesTreasury Shares
Cash Flow Statement
Daily Values
Growth Metrics
Income Statement
Others
Ratios

Upstart Holdings (UPST) Retained Earnings (2020 - 2026)

Upstart Holdings has reported Retained Earnings over the past 6 years, most recently at -$357.6 million for Q4 2025.

  • Quarterly Retained Earnings rose 13.04% to -$357.6 million in Q4 2025 from the year-ago period, while the trailing twelve-month figure was -$357.6 million through Dec 2025, up 13.04% year-over-year, with the annual reading at -$357.6 million for FY2025, 13.04% up from the prior year.
  • Retained Earnings was -$357.6 million for Q4 2025 at Upstart Holdings, up from -$376.2 million in the prior quarter.
  • Over five years, Retained Earnings peaked at $98.9 million in Q1 2022 and troughed at -$413.6 million in Q1 2025.
  • The 5-year median for Retained Earnings is -$220.0 million (2023), against an average of -$194.4 million.
  • Year-over-year, Retained Earnings soared 416.18% in 2022 and then tumbled 1973.61% in 2023.
  • A 5-year view of Retained Earnings shows it stood at $66.2 million in 2021, then crashed by 164.09% to -$42.4 million in 2022, then crashed by 565.76% to -$282.6 million in 2023, then tumbled by 45.5% to -$411.2 million in 2024, then increased by 13.04% to -$357.6 million in 2025.
  • Per Business Quant, the three most recent readings for UPST's Retained Earnings are -$357.6 million (Q4 2025), -$376.2 million (Q3 2025), and -$408.0 million (Q2 2025).