Upstart Holdings (UPST) Return on Assets [ROA] (2021 - 2026)
Upstart Holdings (UPST) posted Return on Assets [ROA] of 1.97% for Q2 2026, up 2.23 percentage points from -0.27% a year earlier and up 0.30 percentage points from the prior quarter.
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Analysis
Upstart Holdings (UPST) Return on Assets [ROA] (2021 - 2026) Analysis & Trends
For FY2025, Upstart Holdings' Return on Assets [ROA] came in at 2.01%, up 7.87 percentage points from FY2024.
- Annual Return on Assets [ROA] shows a four-year change of -9.78 percentage points (FY2021 to FY2025).
- In prior years, Upstart Holdings' Return on Assets [ROA] was -5.87% in FY2024 (+6.28 pp), -12.15% in FY2023 (-6.36 pp), -5.79% in FY2022 (-17.57 pp) and 11.79% in FY2021.
- The Q2 2026 figure stands as the highest quarterly Return on Assets [ROA] since Q2 2022.
- On a year-over-year basis, Return on Assets [ROA] has increased in each of the last ten quarters, with an average year-over-year change of +6.46 percentage points over the last eight quarters.
- The strongest year-over-year quarter for Return on Assets [ROA] in the past five years was Q2 2025, with a gain of 10.50 percentage points; the weakest was Q1 2023, with a drop of 22.70 percentage points.
- According to Business Quant data, Return on Assets [ROA] for the three prior quarters was 1.66% (Q1 2026), 1.82% (Q4 2025) and 1.20% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROA (Qtr) |
|---|---|---|---|---|---|
| 1 | PayPal Holdings | 49.04 Bn | 7.27 Bn | - | 6.00% |
| 2 | Coinbase Global | 47.52 Bn | 4.33 Bn | - | -3.57% |
| 3 | Block | 45.61 Bn | 16.91 Bn | 3.17 Bn | 0.90% |
| 4 | Corpay | 26.34 Bn | 16.23 Bn | - | 4.19% |
| 5 | Fiserv | 24.61 Bn | 21.29 Bn | 2.90 Bn | 3.49% |
| 6 | Global Payments | 22.07 Bn | -135.34 Mn | 2.03 Bn | -1.33% |
| 7 | Guidewire Software | 13.93 Bn | 10.49 Bn | 269.68 Mn | 5.45% |
| 8 | Bitmine Immersion Technologies | 13.17 Bn | 10.55 Bn | 40.81 Mn | -81.35% |
| 9 | Chime Financial | 11.48 Bn | 7.27 Bn | 594.87 Mn | -0.92% |
| 10 | Upstart Holdings | 2.26 Bn | 188.28 Mn | 303.39 Mn | 1.97% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 1.97% |
| Mar 31, 2026 | 1.66% |
| Dec 31, 2025 | 1.82% |
| Sep 30, 2025 | 1.20% |
| Jun 30, 2025 | -0.27% |
| Mar 31, 2025 | -2.85% |
| Dec 31, 2024 | -6.16% |
| Sep 30, 2024 | -9.27% |
| Jun 30, 2024 | -10.77% |
| Mar 31, 2024 | -8.90% |
| Dec 31, 2023 | -11.95% |
| Sep 30, 2023 | -13.44% |
| Jun 30, 2023 | -15.00% |
| Mar 31, 2023 | -14.40% |
| Dec 31, 2022 | -5.64% |
| Sep 30, 2022 | 0.29% |
| Jun 30, 2022 | 4.65% |
| Mar 31, 2022 | 8.30% |
| Dec 31, 2021 | 7.91% |
| Sep 30, 2021 | 6.18% |
API Access
Upstart Holdings Return on Assets [ROA] 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=return-on-assets-%5Broa%5D&ticker=UPST&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "return-on-assets-[roa]", "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=return-on-assets-%5Broa%5D&ticker=UPST&period=max&api_key=YOUR_API_KEY");
const data = await res.json();