University of California-San Francisco

PublicSpecial Focus: Other Health ProfessionsGraduate/Professional

Fin. Resilience

Resilience score

vs. 15 peers in its group

University of California-San Francisco is a public institution in San Francisco, CA, classified by Carnegie as “Special Focus: Other Health Professions.”

It is benchmarked here against 15 peer institutions (Special Focus: Other Health Professions · Public).

On Ibex's Financial Resilience score it rates 67 out of 100 within that peer group, a transparent composite of endowment per undergraduate, net tuition revenue per student, and instructional spend per student.

Its strongest standing relative to peers is endowment (end of year) ($2.6B, 100th percentile).

Its weakest is operating margin (-0.9%).

Peer group

Special Focus: Other Health Professions · Public

15 institutions

No cross-metric risk flags triggered.

Policy & demographic exposure

How exposed University of California-San Francisco is to the structural shifts reshaping higher ed: a composite structural-risk index plus the 2025 federal budget law’s endowment excise tax and Grad PLUS elimination and the demographic enrollment cliff. Only signals that apply to this institution are shown.

Structural risk index

Elevated

Grad PLUS exposure

36.4%

Moderate exposure

Higher than 73% of schools nationally

AY2025-26 YTD (through Q2, Dec 2025)

Avg Grad PLUS loan

$27,053

Above the cap

Higher than 75% of schools nationally

AY2025-26 YTD (through Q2, Dec 2025)

Enrollment cliff (home state)

-27.7%

Severe decline

Indicative signals, not forecasts — see each metric’s definition and the methodology. Endowment-tax and Grad PLUS figures appear only where the institution is actually exposed; “nationally” compares against all schools that report each signal.

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Revenue composition

Where the money comes from $10.12B total revenue · IPEDS FY2022-23

Hospital is the largest single source at 67% of revenue.

Hospital67.4%

Government grants & contracts13.3%

Private gifts & grants9.9%

Other revenue4.2%

Government appropriations2.7%

Investment return1.4%

Auxiliary enterprises0.7%

Tuition & fees0.5%

Where each dollar of revenue comes from, as a share of total positive revenue. Sources are standardized across public (GASB) and private (FASB) reporting; a net investment loss in a down market is shown as 0% and excluded from the mix.

Financial Health

Net tuition revenue / FTE

Average

$18,005

47th percentile in peer grouppeer median $20,237

Instructional spend / FTE

Strong

$174,300

87th percentile in peer grouppeer median $84,869

Endowment (end of year)

Strong

$2.6B

100th percentile in peer grouppeer median $640.2M

Avg monthly faculty salary

Strong

$15,651

100th percentile in peer grouppeer median $11,689

Average monthly salary of full-time faculty, as reported to IPEDS.

Operating margin

Deficit

-0.9%

20th percentile in peer grouppeer median 4.9%

Net surplus as a share of total revenue (IPEDS FY2022-23): (total revenues − total expenses) ÷ total revenues. A surplus above 4% is strong; a thin surplus near 0% leaves little margin for shocks.

Tuition dependency

0.5%

7th percentile in peer grouppeer median 3.5%

Tuition & fees as a share of total revenue (IPEDS FY2022-23). Higher = more exposed to enrollment swings.

State appropriations share

2.7%

13th percentile in peer grouppeer median 11.8%

State appropriations as a share of total revenue (IPEDS FY2022-23). Material for public institutions; ~0 for private.

Endowment per FTE student

Strong

$942,300

93rd percentile in peer grouppeer median $172,183

End-of-year endowment ÷ 12-month FTE enrollment — endowment wealth per full-time-equivalent student. The FTE-correct companion to endowment-per-undergraduate; FTE counts graduate and part-time load, so research universities look less wealthy on this basis than on a headcount basis.

Grad PLUS exposure

Moderate exposure

36.4%

— percentile in peer group

Share of the institution's graduate federal loan dollars (Grad Unsubsidized + Grad PLUS) that came from Grad PLUS — the program the 2025 budget law eliminates for new borrowers from July 1, 2026, alongside new caps on graduate borrowing. A higher share means more of the school's graduate students rely on borrowing that will no longer exist above the unsubsidized cap. Source: U.S. Dept. of Education / Federal Student Aid Direct Loan Dashboard — primarily award year 2025-26 (year-to-date through Q2, December 2025), the most current federal data; schools not yet reporting Grad PLUS in 2025-26 retain their most recent complete year (2024-25), shown per school. The reliance share is stable across the two vintages. Shown only for schools with Grad PLUS originations; an exposure signal, not a forecast of revenue loss.

Avg Grad PLUS loan

Above the cap

$27,053

— percentile in peer group

Average Grad PLUS loan per recipient (FSA Direct Loan Dashboard — award year 2025-26 year-to-date through Q2, with 2024-25 full-year retained where 2025-26 is not yet reported). The 2025 budget law eliminates Grad PLUS for new borrowers from July 1, 2026 and caps unsubsidized graduate borrowing at $20,500/year — so this is the average per-borrower amount that will no longer be available above that cap. Paired with Grad PLUS exposure (the institution's reliance share), it is the depth axis of the Grad PLUS shock: how much each affected borrower stands to lose. Shown only where Grad PLUS was originated.

Structural risk index

Elevated

— percentile in peer group

An indicative 0–100 structural-risk index (higher = more pressure), an equal-weight blend of the stress signals we measure: thin or negative operating margin, low months of operating cushion, high tuition dependency, and a shrinking home-state high-school-graduate pipeline (enrollment cliff). Averaged over whichever signals are available (at least two required). It screens for the financial and demographic pressures that precede closures and mergers — a directional indicator, NOT a prediction that any institution will close, and not a credit rating.

Enrollment & Pipeline

Program concentration (HHI)

Highly concentrated

7,457

— percentile in peer group

How concentrated the institution's degree and certificate output is across academic fields (CIP 2-digit families), as a Herfindahl-Hirschman Index on the latest year's completions: 10,000 means every completion is in one field; lower means output is spread across many. A higher value means the school leans on fewer fields and is more exposed to demand shifts in them; a lower value reflects a broad program portfolio. Shown for institutions reporting at least 100 annual completions. A structural-diversification signal, not a measure of quality.

12-month FTE enrollment

2,763

33rd percentile in peer grouppeer median 3,241

Full-time-equivalent enrollment over the full 12-month year (IPEDS 12-month enrollment, 2022-23). Counts part-time students at their fractional load, so it runs above fall full-time headcount and is the denominator used for per-student finance measures.

Enrollment cliff (home state)

Severe decline

-27.7%

— percentile in peer group

Projected change in the number of high-school graduates in the institution's HOME STATE from the class of 2025 (the national peak) to 2041, per WICHE's Knocking at the College Door, 11th Edition (Dec 2024). The 'enrollment cliff' is the post-2008 birth decline reaching college age; the U.S. total is projected to fall about 13% over this window. A college recruits from many states, so its home-state projection is an indicative directional signal of feeder-market pressure, not a forecast of that institution's own enrollment.

Student Outcomes & Risk

3-yr cohort default rate

Below peers

1.3%

73rd percentile in peer grouppeer median 1.3%

Share of borrowers who defaulted within three years of entering repayment (U.S. Dept. of Education official cohort default rate). Shown for the FY2017 borrower cohort — the most recent cohort whose full three-year default window closed before the 2020-23 federal student-loan payment pause. More recent cohorts are reported by the College Scorecard at essentially 0%, but that reflects the payment pause (no payments were due, so almost no one could default), not borrower health, so the pre-pause cohort is the last meaningful reading. Lower is better.

Full-time faculty share

Average

66.4%

47th percentile in peer grouppeer median 67.3%

Field-demand outlook (10-yr)

Fast-growing field mix

+6.6%

97th percentile in peer group

Projected 10-year (2024-34) change in U.S. employment for the occupations this institution's degrees and certificates feed, blended across its program mix. Built by mapping each CIP 2-digit field to its occupations via the NCES CIP-SOC crosswalk, taking the employment-weighted average of each occupation's BLS-projected percent change, then weighting fields by the institution's latest-year completions. The U.S. all-occupations benchmark is 3.1%, so a higher value means the school's graduates concentrate in faster-growing labor markets. An INDICATIVE field-level signal at broad-field granularity — not a program-specific or graduate-specific projection, and not a placement or earnings guarantee. Structurally diffuse CIP families whose crosswalk maps to 'any job' are excluded from the signal: 05 Area/Ethnic/Gender Studies, 24 Liberal Arts & Humanities, and 30 Multi/Interdisciplinary. Shown where at least 50% of completions fall in fields with a coherent occupational mapping and the school reports 100+ annual completions.

Top fields of study (all levels)

University of California-San Francisco’s largest fields by completions, with graduate earnings (4 years out) and debt benchmarked against the same field at its peer group. Sparklines show the 8-year completions trend.

Field	Completions / yr	Median earnings, 4 yrs out	Median debt	Earnings premium	Risk score
Health Professions & Clinical Sciences	429	$139,550 100th pct · 12 peers	—	Above benchmark +85%	Low · 27
Health Professions & Clinical Sciences	255	$162,401 100th pct · 14 peers	—	Above benchmark +116%	Low · 23
Health Professions & Clinical Sciences	104	$173,515 60th pct · 5 peers	—	Above benchmark +130%	Low · 17
Biological & Biomedical Sciences	82	$96,962	—	Above benchmark +29%	Low · 23
Health Professions & Clinical Sciences	50	—	—	—	Low · 19
Engineering	22	—	—	—	Low · 0
Engineering	12	—	—	—	Moderate · 44
Biological & Biomedical Sciences	9	—	—	—	High · 100
Computer & Information Sciences	7	—	—	—	Low · 25
Social Sciences	6	—	—	—	Low · 0

All 4 top fields shown clear the CA state earnings-premium benchmark (indicative).

Earnings-premium status is an indicative estimate: median graduate earnings four years out vs the CA state median earnings of a high-school graduate (undergraduate credentials) or a bachelor’s-degree holder (graduate credentials) from the U.S. Census Bureau’s American Community Survey (2022 ACS 5-year). The official U.S. Department of Education determination uses its own cohort definition and may differ.

The risk score (0–100) is an indicative blend of earnings-premium margin and the five-year completions trend—higher means a field pays closer to (or below) the benchmark and is shrinking. A directional screen, not an official determination.

See the interactive dashboard for all fields and credential levels (associate through doctoral). Source: College Scorecard Field of Study.

Frequently asked

Are University of California-San Francisco's programs at risk under the federal earnings-premium test?

Indicatively, at University of California-San Francisco, all 4 of the largest fields with available earnings data clear the CA state earnings-premium benchmark used by the 2025 federal test (effective July 1, 2026) — median graduate earnings (four years out) exceed those of a typical worker without the credential. This is an estimate using College Scorecard earnings vs ACS medians; the official Department of Education determination may differ.

Which schools are University of California-San Francisco's peers?

University of California-San Francisco is benchmarked against 15 institutions in the Special Focus: Other Health Professions · Public peer group; all percentiles and medians on this page are computed within that group.

Compare with peers

Eastern Virginia Medical School University of Massachusetts Chan Medical School University of Texas Southwestern Medical Center Medical University of South Carolina The University of Tennessee Health Science Center The University of Texas Health Science Center at Houston

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Source: U.S. Department of Education — College Scorecard & IPEDS (most recent releases), with the U.S. Census Bureau (ACS), the U.S. Bureau of Labor Statistics (Employment Projections, field-demand outlook) and WICHE (enrollment-cliff projections). Figures lag the current academic year by roughly two to three years. Percentiles and medians are computed within the institution's peer group. Financial Resilience is a transparent composite — see each component above. Compiled by Ibex Insights.