Upstart Holdings Retained Earnings 2011-2026 | UPST

Retained earnings — this is the portion of a company’s net profit that has not been distributed to shareholders as dividends but remains at the company’s disposal for future use. It is also referred to as retained income or accumulated earnings.

Possible uses include

reinvestment in development (R&D, equipment, marketing)
debt repayment
acquisition of other companies
creation of reserves for the future

A high level of retained earnings indicates that the company is in a growth phase, accumulating capital and prioritizing reinvestment over dividend payouts. Conversely, low or negative retained earnings may suggest either a generous dividend policy, in which all profits are distributed to shareholders, or ongoing losses that reduce the overall financial result.

The presence of retained earnings does not indicate that the company has available cash — it is solely an accounting figure reflecting the accumulated portion of net profit remaining after dividends have been paid. Therefore, it is important for investors to analyze not only the amount of retained earnings, but also how effectively it is used to develop the business, reduce debt, or build financial stability.

Annual Retained Earnings Upstart Holdings

2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
-358 M	-411 M	-283 M	-42.4 M	66.2 M	-69.2 M	-75.2 M	-75.1 M	-	-	-	-	-	-	-

All numbers in USD currency

Indicator range from annual reports

Maximum	Minimum	Average
66.2 M	-411 M	-156 M

Quarterly Retained Earnings Upstart Holdings

2025-Q3	2025-Q2	2025-Q1	2024-Q4	2024-Q3	2024-Q2	2024-Q1	2022-Q4	2022-Q3	2022-Q2	2022-Q1	2021-Q4	2021-Q3	2021-Q2	2021-Q1	2020-Q4	2020-Q3	2020-Q2	2020-Q1	2019-Q4	2019-Q3	2019-Q2	2019-Q1	2018-Q4	2018-Q3	2018-Q2	2018-Q1	2017-Q4	2017-Q3	2017-Q2	2017-Q1	2016-Q4	2016-Q3	2016-Q2	2016-Q1	2015-Q4	2015-Q3	2015-Q2	2015-Q1	2014-Q4	2014-Q3	2014-Q2	2014-Q1	2013-Q4	2013-Q3	2013-Q2	2013-Q1	2012-Q4	2012-Q3	2012-Q2	2012-Q1	2011-Q4	2011-Q3	2011-Q2	2011-Q1
-376 M	-408 M	-414 M	-411 M	-	-	-	-	-	69 M	98.9 M	66.2 M	7.28 M	-21.8 M	-59.1 M	-69.2 M	-69.2 M	-69.2 M	-69.2 M	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

All numbers in USD currency

Indicator range from quarterly reporting

Maximum	Minimum	Average
98.9 M	-414 M	-123 M

Retained Earnings of other stocks in the Payment services industry

Issuer	Retained Earnings	Price	% 24h	Market Cap	Country
Qiwi plc QIWI	14.6 B	-	-	-	Cyprus
Pintec Technology Holdings Limited PT	-2.53 B	-	-	$ 671 M	China
Jianpu Technology JT	-1.28 B	-	7.78 %	$ 331 M	-
Elevate Credit ELVT	-55.2 M	-	-	$ 58.8 M	USA
FlexShopper FPAY	-35.8 M	-	2.7 %	$ 4.12 M	USA
FinVolution Group FINV	10.2 B	$ 5.03	1.41 %	$ 6.48 B	USA
Goldman Sachs BDC, Inc. GSBD	-5.35 M	$ 10.09	2.8 %	$ 408 M	USA
CURO Group Holdings Corp. CURO	203 M	-	-6.4 %	$ 7.82 M	USA
Capital One Financial Corporation COF	65.2 B	$ 191.91	0.31 %	$ 104 B	USA
LexinFintech Holdings Ltd. LX	6.6 B	$ 2.16	2.37 %	$ 716 M	China
Alliance Data Systems Corporation ADS	4.83 B	-	-1.74 %	$ 2.84 B	USA
Xiaobai Maimai Inc. HX	-1.43 M	-	-10.24 %	$ 37.1 M	China
Dragon Victory International Limited LYL	-5.9 M	-	-2.89 %	$ 13.5 M	China
Marlin Business Services Corp. MRLN	120 M	-	-0.17 %	$ 276 M	USA
Owl Rock Capital Corporation ORCC	-198 M	-	-0.15 %	$ 5.25 B	USA
Santander Consumer USA Holdings Inc. SC	5.28 B	-	1.44 %	$ 13 B	USA
Oaktree Specialty Lending Corporation OCSL	-574 M	$ 12.86	1.9 %	$ 1.81 B	USA
Atlanticus Holdings Corporation ATLC	506 M	$ 78.03	-1.74 %	$ 1.18 B	USA
Federal Agricultural Mortgage Corporation AGM	1.05 B	$ 174.75	0.55 %	$ 1.91 B	USA
FirstCash FCFS	1.67 B	$ 219.93	0.78 %	$ 9.75 B	USA
EZCORP EZPW	613 M	$ 32.36	-1.28 %	$ 1.86 B	USA
Senmiao Technology Limited AIHS	-45.1 M	$ 1.2	-0.83 %	$ 12.6 M	China
Nicholas Financial NICK	93.9 M	-	-0.16 %	$ 45.1 M	USA
Barings BDC, Inc. BBDC	-310 M	$ 9.23	0.98 %	$ 443 M	USA
ORIX Corporation IX	2.74 T	$ 33.05	-1.67 %	$ 40.9 B	Japan
Visa V	16.1 B	$ 328.03	-0.55 %	$ 618 B	USA
Medallion Financial Corp. MFIN	162 M	$ 8.86	-3.28 %	$ 202 M	USA
Consumer Portfolio Services CPSS	286 M	$ 9.49	4.52 %	$ 208 M	USA
Discover Financial Services DFS	33.6 B	-	-0.21 %	$ 50.2 B	USA
World Acceptance Corporation WRLD	173 M	$ 152.02	3.3 %	$ 825 M	USA
The Western Union Company WU	-11.5 M	$ 9.21	1.32 %	$ 3.01 B	USA
Green Dot Corporation GDOT	645 M	$ 12.62	0.56 %	$ 695 M	USA
Navient Corporation NAVI	4.7 B	$ 9.17	-0.76 %	$ 1 B	USA
Nelnet NNI	3.68 B	$ 141.66	-0.06 %	$ 5.15 B	USA
OneMain Holdings OMF	2.58 B	$ 56.59	-3.71 %	$ 6.72 B	USA
Yiren Digital Ltd. YRD	-38.9 M	$ 2.03	6.28 %	$ 343 M	China
X Financial XYF	4.17 B	$ 4.81	1.91 %	$ 1.39 B	-
Regional Management Corp. RM	411 M	$ 34.94	-6.45 %	$ 329 M	USA
360 DigiTech QFIN	21 B	$ 13.39	2.37 %	$ 3.99 B	China
Synchrony Financial SYF	24.6 B	$ 75.76	-0.58 %	$ 28 B	USA
Dunxin Financial Holdings Limited DXF	-54.3 M	$ 0.5	-0.3 %	$ 722 M	China
Oportun Financial Corporation OPRT	-174 M	$ 5.73	-5.91 %	$ 211 M	USA
MoneyGram International MGI	-1.48 B	-	-	$ 1.07 B	USA
SLM Corporation SLM	4.73 B	$ 22.69	-1.69 %	$ 4.7 B	USA
Security National Financial Corporation SNFCA	249 M	$ 9.88	0.82 %	$ 244 M	USA
Qudian QD	8.32 B	-	-	$ 634 M	China
Mastercard Inc. MA	85 B	$ 495.46	-1.51 %	$ 448 B	USA
American Express Company AXP	25.5 B	$ 319.68	-1.05 %	$ 222 B	USA
LendingClub Corporation LC	-202 M	$ 17.06	-0.06 %	$ 1.96 B	USA