Upstart Holdings Inc (UPST) FinancialsUPSTUpstart Holdings Inc

Evaluating the bottom line, Upstart Holdings, Inc. maintains a gross margin of 82.38%. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at -0.11%, while the net margin is 4.75%. These profitability ratios, combined with a Return on Equity (ROE) of 7.94%, provide a clear picture of how effectively UPST converts its operational activities into shareholder value.

In the context of the broader market, UPST competes directly with industry leaders such as MGRC and UWMC. With a market capitalization of $2.96B, it holds a leading position in the sector. When comparing efficiency, UPST's gross margin of 82.38% stands against MGRC's 59.31% and UWMC's N/A. Such benchmarking helps identify whether Upstart Holdings, Inc. is trading at a premium or discount relative to its financial performance.

Upstart's gross margin is strong at 82.38%, and it reported a net income of $16.54 million for Q2 2026, indicating recovery from previous losses. However, the stock has seen a year-to-date decline of 36.56%, reflecting ongoing market challenges.