UPST Return on Equity (ROE) Analysis

Return on equity (ROE) measures how much profit a company generates from each dollar of shareholder equity; UPST's 7.9% means it earns $0.079 for every $1 of equity.

This sits below the sector median of 13.5%, placing UPST in the 29th percentile among peers. The year-over-year change is N/A, while the quarter-over-quarter change is +12.9%, reflecting an improvement from the prior 7.0% reading. The low level relative to peers suggests weaker profitability efficiency, but the recent quarterly uptick offers some forward momentum. Given the still-subpar return compared to the sector, the combination of a below-median level and only a single-period gain points to elevated risk if improvement does not persist. This metric directly supports the overall CAUTIOUS verdict, as the current ROE does not demonstrate peer-competitive performance.

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