Upstart Holdings Past Earnings Performance
Past criteria checks 0/6
Upstart Holdings's earnings have been declining at an average annual rate of -60%, while the Consumer Finance industry saw earnings growing at 11.4% annually. Revenues have been growing at an average rate of 12.4% per year.
Key information
-60.0%
Earnings growth rate
-59.0%
EPS growth rate
| Consumer Finance Industry Growth | 36.3% |
| Revenue growth rate | 12.4% |
| Return on equity | -28.2% |
| Net Margin | -27.8% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Upstart Holdings makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 605 | -168 | 376 | 244 |
| 30 Jun 24 | 576 | -202 | 360 | 234 |
| 31 Mar 24 | 577 | -175 | 348 | 233 |
| 31 Dec 23 | 548 | -240 | 340 | 280 |
| 30 Sep 23 | 546 | -253 | 343 | 287 |
| 30 Jun 23 | 562 | -269 | 360 | 298 |
| 31 Mar 23 | 652 | -271 | 438 | 297 |
| 31 Dec 22 | 853 | -109 | 531 | 237 |
| 30 Sep 22 | 1,007 | 6 | 590 | 220 |
| 30 Jun 22 | 1,076 | 91 | 614 | 191 |
| 31 Mar 22 | 1,041 | 158 | 562 | 165 |
| 31 Dec 21 | 852 | 135 | 455 | 134 |
| 30 Sep 21 | 634 | 76 | 347 | 102 |
| 30 Jun 21 | 472 | 49 | 253 | 75 |
| 31 Mar 21 | 297 | 9 | 167 | 51 |
| 31 Dec 20 | 241 | 0 | 145 | 39 |
| 30 Sep 20 | 221 | 6 | 139 | 32 |
| 31 Dec 19 | 191 | 0 | 125 | 19 |
| 31 Dec 18 | 126 | -12 | 83 | 8 |
| 31 Dec 17 | 67 | -8 | 49 | 5 |
Quality Earnings: UPST is currently unprofitable.
Growing Profit Margin: UPST is currently unprofitable.
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: UPST is unprofitable, and losses have increased over the past 5 years at a rate of 60% per year.
Accelerating Growth: Unable to compare UPST's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: UPST is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (10.3%).
Return on Equity
High ROE: UPST has a negative Return on Equity (-28.25%), as it is currently unprofitable.