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Upstart Holdings (UPST) Retained Earnings (2020 - 2025)

Upstart Holdings (UPST) has disclosed Retained Earnings for 6 consecutive years, with -$357.6 million as the latest value for Q4 2025.

  • On a quarterly basis, Retained Earnings rose 13.04% to -$357.6 million in Q4 2025 year-over-year; TTM through Dec 2025 was -$357.6 million, a 13.04% increase, with the full-year FY2025 number at -$357.6 million, up 13.04% from a year prior.
  • Retained Earnings was -$357.6 million for Q4 2025 at Upstart Holdings, up from -$376.2 million in the prior quarter.
  • In the past five years, Retained Earnings ranged from a high of $98.9 million in Q1 2022 to a low of -$413.6 million in Q1 2025.
  • A 5-year average of -$204.1 million and a median of -$241.2 million in 2023 define the central range for Retained Earnings.
  • Peak YoY movement for Retained Earnings: soared 416.18% in 2022, then crashed 565.76% in 2023.
  • Upstart Holdings' Retained Earnings stood at $66.2 million in 2021, then plummeted by 164.09% to -$42.4 million in 2022, then plummeted by 565.76% to -$282.6 million in 2023, then crashed by 45.5% to -$411.2 million in 2024, then rose 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).