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Side-by-side financial comparison of KFORCE INC (KFRC) and Upstart Holdings, Inc. (UPST). Click either name above to swap in a different company.
KFORCE INC is the larger business by last-quarter revenue ($330.4M vs $296.1M, roughly 1.1× Upstart Holdings, Inc.). Upstart Holdings, Inc. runs the higher net margin — 6.3% vs 2.4%, a 3.9% gap on every dollar of revenue. On growth, Upstart Holdings, Inc. posted the faster year-over-year revenue change (35.2% vs 0.1%). Upstart Holdings, Inc. produced more free cash flow last quarter ($108.4M vs $-7.4M). Over the past eight quarters, Upstart Holdings, Inc.'s revenue compounded faster (52.2% CAGR vs -3.7%).
Kforce Inc. is a professional staffing and solutions firm headquartered in the United States. It provides skilled professional placements and specialized workforce solutions primarily across technology, finance & accounting, and healthcare segments, serving a wide range of mid-sized to large enterprise clients nationwide.
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.
KFRC vs UPST — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $330.4M | $296.1M |
| Net Profit | $7.9M | $18.6M |
| Gross Margin | 27.3% | — |
| Operating Margin | 3.6% | 6.4% |
| Net Margin | 2.4% | 6.3% |
| Revenue YoY | 0.1% | 35.2% |
| Net Profit YoY | -2.7% | 776.4% |
| EPS (diluted) | $0.46 | $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.
| Q1 26 | $330.4M | — | ||
| Q4 25 | $332.0M | $296.1M | ||
| Q3 25 | $332.6M | $277.1M | ||
| Q2 25 | $334.3M | $257.3M | ||
| Q1 25 | $330.0M | $213.4M | ||
| Q4 24 | $343.8M | $219.0M | ||
| Q3 24 | $353.3M | $162.1M | ||
| Q2 24 | $356.3M | $127.6M |
| Q1 26 | $7.9M | — | ||
| Q4 25 | $5.2M | $18.6M | ||
| Q3 25 | $11.1M | $31.8M | ||
| Q2 25 | $10.4M | $5.6M | ||
| Q1 25 | $8.1M | $-2.4M | ||
| Q4 24 | $11.1M | $-2.8M | ||
| Q3 24 | $14.2M | $-6.8M | ||
| Q2 24 | $14.2M | $-54.5M |
| Q1 26 | 27.3% | — | ||
| Q4 25 | 27.2% | — | ||
| Q3 25 | 27.7% | — | ||
| Q2 25 | 27.1% | — | ||
| Q1 25 | 26.7% | — | ||
| Q4 24 | 27.0% | — | ||
| Q3 24 | 27.9% | — | ||
| Q2 24 | 27.8% | — |
| Q1 26 | 3.6% | — | ||
| Q4 25 | 2.6% | 6.4% | ||
| Q3 25 | 4.5% | 8.5% | ||
| Q2 25 | 4.5% | 1.8% | ||
| Q1 25 | 3.5% | -2.1% | ||
| Q4 24 | 4.5% | -2.2% | ||
| Q3 24 | 5.3% | -27.8% | ||
| Q2 24 | 5.5% | -43.5% |
| Q1 26 | 2.4% | — | ||
| Q4 25 | 1.6% | 6.3% | ||
| Q3 25 | 3.3% | 11.5% | ||
| Q2 25 | 3.1% | 2.2% | ||
| Q1 25 | 2.5% | -1.1% | ||
| Q4 24 | 3.2% | -1.3% | ||
| Q3 24 | 4.0% | -4.2% | ||
| Q2 24 | 4.0% | -42.7% |
| Q1 26 | $0.46 | — | ||
| Q4 25 | $0.29 | $0.20 | ||
| Q3 25 | $0.63 | $0.23 | ||
| Q2 25 | $0.59 | $0.05 | ||
| Q1 25 | $0.45 | $-0.03 | ||
| Q4 24 | $0.60 | $-0.01 | ||
| Q3 24 | $0.75 | $-0.07 | ||
| Q2 24 | $0.75 | $-0.62 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $1.3M | $652.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $117.4M | $798.8M |
| Total Assets | $384.8M | $3.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $1.3M | — | ||
| Q4 25 | $2.1M | $652.4M | ||
| Q3 25 | $1.3M | $489.8M | ||
| Q2 25 | $2.5M | $395.9M | ||
| Q1 25 | $444.0K | $599.8M | ||
| Q4 24 | $349.0K | $788.4M | ||
| Q3 24 | $127.0K | — | ||
| Q2 24 | $110.0K | — |
| Q1 26 | $117.4M | — | ||
| Q4 25 | $124.6M | $798.8M | ||
| Q3 25 | $132.1M | $743.7M | ||
| Q2 25 | $134.4M | $722.0M | ||
| Q1 25 | $138.0M | $676.6M | ||
| Q4 24 | $154.6M | $633.2M | ||
| Q3 24 | $167.4M | $595.5M | ||
| Q2 24 | $166.6M | $594.7M |
| Q1 26 | $384.8M | — | ||
| Q4 25 | $365.6M | $3.0B | ||
| Q3 25 | $374.2M | $2.9B | ||
| Q2 25 | $373.6M | $2.5B | ||
| Q1 25 | $368.2M | $2.3B | ||
| Q4 24 | $357.8M | $2.4B | ||
| Q3 24 | $369.9M | $1.8B | ||
| Q2 24 | $362.7M | $1.8B |
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 | — | $108.6M |
| Free Cash FlowOCF − Capex | $-7.4M | $108.4M |
| FCF MarginFCF / Revenue | -2.2% | 36.6% |
| Capex IntensityCapex / Revenue | 1.0% | 0.1% |
| Cash ConversionOCF / Net Profit | — | 5.82× |
| TTM Free Cash FlowTrailing 4 quarters | $43.3M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $19.7M | $108.6M | ||
| Q3 25 | $23.3M | $-122.6M | ||
| Q2 25 | $18.4M | $-120.2M | ||
| Q1 25 | $249.0K | $-13.5M | ||
| Q4 24 | $21.8M | $-110.9M | ||
| Q3 24 | $31.0M | $179.3M | ||
| Q2 24 | $20.9M | $65.3M |
| Q1 26 | $-7.4M | — | ||
| Q4 25 | $16.7M | $108.4M | ||
| Q3 25 | $19.8M | $-122.7M | ||
| Q2 25 | $14.2M | $-120.3M | ||
| Q1 25 | $-3.9M | — | ||
| Q4 24 | $20.9M | — | ||
| Q3 24 | $27.5M | $179.2M | ||
| Q2 24 | $17.8M | $65.3M |
| Q1 26 | -2.2% | — | ||
| Q4 25 | 5.0% | 36.6% | ||
| Q3 25 | 6.0% | -44.3% | ||
| Q2 25 | 4.3% | -46.7% | ||
| Q1 25 | -1.2% | — | ||
| Q4 24 | 6.1% | — | ||
| Q3 24 | 7.8% | 110.5% | ||
| Q2 24 | 5.0% | 51.1% |
| Q1 26 | 1.0% | — | ||
| Q4 25 | 0.9% | 0.1% | ||
| Q3 25 | 1.1% | 0.0% | ||
| Q2 25 | 1.2% | 0.0% | ||
| Q1 25 | 1.3% | 0.0% | ||
| Q4 24 | 0.3% | 0.0% | ||
| Q3 24 | 1.0% | 0.1% | ||
| Q2 24 | 0.9% | 0.0% |
| Q1 26 | — | — | ||
| Q4 25 | 3.82× | 5.82× | ||
| Q3 25 | 2.11× | -3.86× | ||
| Q2 25 | 1.76× | -21.43× | ||
| Q1 25 | 0.03× | — | ||
| Q4 24 | 1.97× | — | ||
| Q3 24 | 2.18× | — | ||
| Q2 24 | 1.48× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
KFRC
Segment breakdown not available.
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% |
