Bringing the fundamentals into focus…
Back to Upstart Holdings, Inc.
How Upstart Holdings, Inc. stacks up
UPST · against 85 other Financial Services companies of similar size
Profitability
22/ 100
Near the bottom of its peers.
Ranked #67 of 86 · scores higher than 21% of peers
Bars: peers in each 10-point band of the profitability score10 peers with a profitability score of 20–29, including UPST · Click a bar to see the companies
Why profitability scores 22?
Weighted metrics compared with all Financial Services companies.Mainly because of its operating margin, return on invested capital and return on assets, which are weaker than most Financial Services peers.
- a thinner operating margin: weaker than 81% of peers. Operating margin: 4.0% vs peer median 23.5%
- a lower return on invested capital: weaker than 77% of peers. Return on invested capital: 1.7% vs peer median 6.3%
- a lower return on assets: weaker than 62% of peers. Return on assets: 1.9% vs peer median 2.6%
Metric by metric
Position: dot = UPST, ranked from the worst peer (left) to the best (right); tick = middle, shaded = middle half of peers.| Metric | UPST | Peer median | Better than | Position among peers | Weight |
|---|---|---|---|---|---|
| Return on invested capitalHigher is better · 90 reported | 1.7% | 6.2% | 25% | 33% | |
| Operating marginHigher is better · 51 reported | 4.0% | 23.7% | 16% | 33% | |
| Return on assetsHigher is better · 89 reported | 1.9% | 2.8% | 36% | 33% | |
| Return on equityHigher is better · 88 reported | 7.9% | 13.0% | 31% | Context only | |
| Gross marginHigher is better · 105 reported | 83.0% | 87.8% | 49% | Context only |
Ranking by profitability score
Top 5 and the companies ranked around UPST| Rank | Company | Market cap | Profitability | Overall |
|---|---|---|---|---|
| 1 | 2.7B USD | 98 | 63 | |
| 2 | 2.7B USD | 97 | 58 | |
| 3 | 6.5B MYR (≈$1.4B) | 96 | 57 | |
| 3 | 21.21T IDR (≈$1.3B) | 96 | 93 | |
| 5 | 4.1B USD | 95 | 64 | |
| 63 | 1.8B USD | 28 | ||
| 65 | 262.9B INR (≈$3.2B) | 27 | 34 | |
| 66 | 3.9B AUD (≈$2.6B) | 26 | 47 | |
| 67 | 1.7B USD | 22 | 46 | |
| 67 | 2.1B USD | 22 | 45 | |
| 69 | 192.3B JPY (≈$1.3B) | 21 | 23 | |
| 69 | 2.2B USD | 21 | 24 | |
| 71 | 1.8B USD | 20 | 60 | |
| 71 | 2.5B USD | 20 | 56 |
Scores are sector-relative percentiles from the latest snapshot, always calculated against the whole sector: narrowing the comparison group changes who you compare with, not the scores. Missing metrics are left out and the remaining weights rescaled. How we score