Upstart Holdings (UPST) Return on Assets [ROA] (2021 - 2026)
Upstart Holdings (UPST) posted Return on Assets [ROA] of 2.00% for Q3 2026, up 0.80 percentage points from 1.20% a year earlier and up 0.03 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 Q3 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 11 quarters, with an average year-over-year change of +6.04 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 1.97% (Q2 2026), 1.66% (Q1 2026) and 1.82% (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROA (Qtr) |
|---|---|---|---|---|---|
| 1 | Block | 51.56 Bn | 23.34 Bn | 3.24 Bn | 1.14% |
| 2 | PayPal Holdings | 50.29 Bn | 8.99 Bn | - | 5.75% |
| 3 | Coinbase Global | 35.53 Bn | -4.11 Bn | - | -2.61% |
| 4 | Fiserv | 33.43 Bn | 30.64 Bn | 2.76 Bn | -5.11% |
| 5 | Corpay | 29.86 Bn | 18.68 Bn | - | 4.45% |
| 6 | Global Payments | 25.78 Bn | 604.58 Mn | 2.01 Bn | -1.94% |
| 7 | Guidewire Software | 13.57 Bn | 10.14 Bn | 269.68 Mn | 5.45% |
| 8 | Jack Henry & Associates | 12.44 Bn | 12.35 Bn | 273.85 Mn | 16.23% |
| 9 | Chime Financial | 11.95 Bn | 7.64 Bn | 646.07 Mn | 3.82% |
| 10 | Upstart Holdings | 2.14 Bn | 101.94 Mn | 307.18 Mn | 2.00% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 2.00% |
| 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% |
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();