Upstart Holdings, Inc. has grown revenue 7.4% a year over three years and 35% a year over five. Revenue growth, 3-year annual rate: +7.4% (Credit Services median +10%). Revenue growth, 5-year rate: +35%, growth has slowed since the five-year average. Years of annual history on file: 7, FY2019 to FY2025, as filed.

UPSTUpstart Holdings, Inc.

Financial Services

$24.08-65% 1Y

$24.08

$22.8052 weeks$64.90

Is it growing?

Mixed

Neither accelerating nor breaking down: revenue growing +46% year on year and operating margin widening (+11.7 points), but earnings down −800% year on year.

2 good, 1 to watch

Revenue trend+46% in a year

Trailing-twelve-month revenue vs a year earlier, from the company's own filings. Five-year pace: +22% a year.

Earnings trend−800% in a year

Trailing-twelve-month earnings per share against a year earlier. Growing slower than revenue, so the growth is costing something.

Margin direction+11.7 points operating

Trailing-twelve-month operating margin, 4.1% now against -7.6% a year earlier.

All from SEC EDGAR, as of Jun 30, 2026.

Where this answer is blind. These are trailing numbers from the filings, not forecasts: an acquisition or a one-off year can flatter them, so check the quarters.

Is UPST growing?

Upstart Holdings, Inc. has grown revenue 7.4% a year over three years and 35% a year over five.

+7.4%

Revenue growth, 3-year annual rate · Credit Services median +10% · steady growth, ahead of inflation · compounded from fiscal-year columns as filed

Revenue growth, 5-year rate: +35%
Revenue growth, 5-year rate · +7.4% over three · growth has slowed since the five-year average
Years of annual history on file: 7
Years of annual history on file · FY2019 to FY2025, as filed

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