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Side-by-side financial comparison of Esperion Therapeutics, Inc. (ESPR) and Upstart Holdings, Inc. (UPST). Click either name above to swap in a different company.
Upstart Holdings, Inc. is the larger business by last-quarter revenue ($296.1M vs $168.4M, roughly 1.8× Esperion Therapeutics, Inc.). On growth, Esperion Therapeutics, Inc. posted the faster year-over-year revenue change (143.7% vs 35.2%). Over the past eight quarters, Upstart Holdings, Inc.'s revenue compounded faster (52.2% CAGR vs 10.6%).
Esperion Therapeutics, Inc. is a publicly traded American pharmaceutical company focused on the development of bempedoic acid, an orally available small molecule designed to lower elevated levels of LDL-C. The company is headquartered in Ann Arbor, Michigan.
Upstart is an AI lending platform that partners with banks and credit unions to provide consumer loans using non-traditional variables, such as education and employment, to predict creditworthiness.
ESPR vs UPST — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $168.4M | $296.1M |
| Net Profit | — | $18.6M |
| Gross Margin | — | — |
| Operating Margin | 50.6% | 6.4% |
| Net Margin | — | 6.3% |
| Revenue YoY | 143.7% | 35.2% |
| Net Profit YoY | — | 776.4% |
| EPS (diluted) | $0.32 | $0.20 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $168.4M | $296.1M | ||
| Q3 25 | $87.3M | $277.1M | ||
| Q2 25 | $82.4M | $257.3M | ||
| Q1 25 | $65.0M | $213.4M | ||
| Q4 24 | $69.1M | $219.0M | ||
| Q3 24 | $51.6M | $162.1M | ||
| Q2 24 | $73.8M | $127.6M | ||
| Q1 24 | $137.7M | $127.8M |
| Q4 25 | — | $18.6M | ||
| Q3 25 | $-31.3M | $31.8M | ||
| Q2 25 | $-12.7M | $5.6M | ||
| Q1 25 | $-40.5M | $-2.4M | ||
| Q4 24 | — | $-2.8M | ||
| Q3 24 | $-29.5M | $-6.8M | ||
| Q2 24 | $-61.9M | $-54.5M | ||
| Q1 24 | $61.0M | $-64.6M |
| Q4 25 | 50.6% | 6.4% | ||
| Q3 25 | -11.4% | 8.5% | ||
| Q2 25 | 8.6% | 1.8% | ||
| Q1 25 | -34.0% | -2.1% | ||
| Q4 24 | -6.4% | -2.2% | ||
| Q3 24 | -31.0% | -27.8% | ||
| Q2 24 | 3.5% | -43.5% | ||
| Q1 24 | 52.5% | -52.8% |
| Q4 25 | — | 6.3% | ||
| Q3 25 | -35.9% | 11.5% | ||
| Q2 25 | -15.4% | 2.2% | ||
| Q1 25 | -62.2% | -1.1% | ||
| Q4 24 | — | -1.3% | ||
| Q3 24 | -57.2% | -4.2% | ||
| Q2 24 | -83.9% | -42.7% | ||
| Q1 24 | 44.3% | -50.5% |
| Q4 25 | $0.32 | $0.20 | ||
| Q3 25 | $-0.16 | $0.23 | ||
| Q2 25 | $-0.06 | $0.05 | ||
| Q1 25 | $-0.21 | $-0.03 | ||
| Q4 24 | $-0.14 | $-0.01 | ||
| Q3 24 | $-0.15 | $-0.07 | ||
| Q2 24 | $-0.33 | $-0.62 | ||
| Q1 24 | $0.34 | $-0.74 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $167.9M | $652.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $-302.0M | $798.8M |
| Total Assets | $465.9M | $3.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $167.9M | $652.4M | ||
| Q3 25 | $92.4M | $489.8M | ||
| Q2 25 | $86.1M | $395.9M | ||
| Q1 25 | $114.6M | $599.8M | ||
| Q4 24 | $144.8M | $788.4M | ||
| Q3 24 | $144.7M | — | ||
| Q2 24 | $189.3M | — | ||
| Q1 24 | $226.6M | — |
| Q4 25 | $-302.0M | $798.8M | ||
| Q3 25 | $-451.4M | $743.7M | ||
| Q2 25 | $-433.5M | $722.0M | ||
| Q1 25 | $-426.2M | $676.6M | ||
| Q4 24 | $-388.7M | $633.2M | ||
| Q3 24 | $-370.2M | $595.5M | ||
| Q2 24 | $-344.2M | $594.7M | ||
| Q1 24 | $-294.3M | $612.8M |
| Q4 25 | $465.9M | $3.0B | ||
| Q3 25 | $364.0M | $2.9B | ||
| Q2 25 | $347.1M | $2.5B | ||
| Q1 25 | $324.0M | $2.3B | ||
| Q4 24 | $343.8M | $2.4B | ||
| Q3 24 | $314.1M | $1.8B | ||
| Q2 24 | $352.3M | $1.8B | ||
| Q1 24 | $373.1M | $1.9B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $45.2M | $108.6M |
| Free Cash FlowOCF − Capex | — | $108.4M |
| FCF MarginFCF / Revenue | — | 36.6% |
| Capex IntensityCapex / Revenue | 0.0% | 0.1% |
| Cash ConversionOCF / Net Profit | — | 5.82× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $45.2M | $108.6M | ||
| Q3 25 | $-4.3M | $-122.6M | ||
| Q2 25 | $-31.4M | $-120.2M | ||
| Q1 25 | $-22.6M | $-13.5M | ||
| Q4 24 | $-35.0M | $-110.9M | ||
| Q3 24 | $-35.3M | $179.3M | ||
| Q2 24 | $-7.2M | $65.3M | ||
| Q1 24 | $53.8M | $52.6M |
| Q4 25 | — | $108.4M | ||
| Q3 25 | — | $-122.7M | ||
| Q2 25 | — | $-120.3M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $-35.5M | $179.2M | ||
| Q2 24 | $-7.3M | $65.3M | ||
| Q1 24 | $53.8M | $51.9M |
| Q4 25 | — | 36.6% | ||
| Q3 25 | — | -44.3% | ||
| Q2 25 | — | -46.7% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | -68.7% | 110.5% | ||
| Q2 24 | -9.9% | 51.1% | ||
| Q1 24 | 39.0% | 40.6% |
| Q4 25 | 0.0% | 0.1% | ||
| Q3 25 | 0.0% | 0.0% | ||
| Q2 25 | 0.0% | 0.0% | ||
| Q1 25 | 0.0% | 0.0% | ||
| Q4 24 | 0.0% | 0.0% | ||
| Q3 24 | 0.3% | 0.1% | ||
| Q2 24 | 0.1% | 0.0% | ||
| Q1 24 | 0.1% | 0.5% |
| Q4 25 | — | 5.82× | ||
| Q3 25 | — | -3.86× | ||
| Q2 25 | — | -21.43× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | 0.88× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ESPR
| Collaboration Revenue | $124.7M | 74% |
| Products | $43.7M | 26% |
UPST
| Personal Lending Segment | $201.4M | 68% |
| Servicing Fees Net | $39.5M | 13% |
| Servicing Fees | $27.5M | 9% |
| Other | $15.7M | 5% |
| Borrower Fees | $8.4M | 3% |
| Collection Agency Fees | $3.5M | 1% |
