Upstart Holdings, Inc. (UPST)
NASDAQ: UPST · Real-Time Price · USD
47.17
-0.76 (-1.59%)
At close: May 9, 2025, 4:00 PM
46.81
-0.36 (-0.76%)
After-hours: May 9, 2025, 7:59 PM EDT
Upstart Holdings Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2017 - 2019 |
|---|---|---|---|---|---|---|---|
Period Ending | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2017 - 2019 |
| Operating Revenue | 682.87 | 635.47 | 560.43 | 907.27 | 801.28 | 228.6 | Upgrade
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| Other Revenue | 75.97 | 41.5 | -11.98 | -53.99 | 50.59 | 12.84 | Upgrade
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| Revenue | 758.84 | 676.96 | 548.46 | 853.29 | 851.86 | 241.44 | Upgrade
|
| Revenue Growth (YoY) | 31.54% | 23.43% | -35.72% | 0.17% | 252.82% | 26.63% | Upgrade
|
| Cost of Revenue | 159.09 | 158 | 150.42 | 187.99 | 117.58 | 37.58 | Upgrade
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| Gross Profit | 599.76 | 518.97 | 398.04 | 665.29 | 734.28 | 203.86 | Upgrade
|
| Selling, General & Admin | 424.5 | 397.74 | 339.53 | 531.07 | 454.89 | 145.27 | Upgrade
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| Research & Development | 248.4 | 253.65 | 280.14 | 237.25 | 134 | 38.8 | Upgrade
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| Operating Expenses | 672.9 | 651.39 | 619.67 | 768.31 | 588.89 | 184.07 | Upgrade
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| Operating Income | -73.15 | -132.42 | -221.63 | -103.02 | 145.39 | 19.79 | Upgrade
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| Interest Expense | -39.94 | -43.63 | -37.99 | -13.84 | -4.67 | -8.03 | Upgrade
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| Interest & Investment Income | 18.79 | 18.79 | 21.21 | 9.47 | - | 0.25 | Upgrade
|
| Other Non Operating Income (Expenses) | -5.3 | -4.49 | -1.61 | -1.68 | -5.75 | -11.36 | Upgrade
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| EBT Excluding Unusual Items | -99.59 | -161.76 | -240.03 | -109.07 | 134.97 | 0.65 | Upgrade
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| Merger & Restructuring Charges | - | - | - | - | -1.24 | - | Upgrade
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| Other Unusual Items | 33.36 | 33.36 | - | - | - | 5.3 | Upgrade
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| Pretax Income | -66.23 | -128.4 | -240.03 | -109.07 | 133.73 | 5.95 | Upgrade
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| Income Tax Expense | 0.2 | 0.19 | 0.11 | -0.41 | -1.71 | 0.37 | Upgrade
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| Earnings From Continuing Operations | -66.43 | -128.58 | -240.13 | -108.67 | 135.44 | 5.58 | Upgrade
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| Minority Interest in Earnings | - | - | - | - | - | 0.4 | Upgrade
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| Net Income | -66.43 | -128.58 | -240.13 | -108.67 | 135.44 | 5.98 | Upgrade
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| Preferred Dividends & Other Adjustments | - | - | - | - | - | 5.98 | Upgrade
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| Net Income to Common | -66.43 | -128.58 | -240.13 | -108.67 | 135.44 | - | Upgrade
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| Net Income Growth | - | - | - | - | 2163.80% | - | Upgrade
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| Shares Outstanding (Basic) | 91 | 89 | 84 | 83 | 78 | 18 | Upgrade
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| Shares Outstanding (Diluted) | 91 | 89 | 84 | 83 | 95 | 18 | Upgrade
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| Shares Change (YoY) | 7.31% | 6.79% | 1.20% | -12.66% | 441.13% | 22.17% | Upgrade
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| EPS (Basic) | -0.73 | -1.44 | -2.87 | -1.31 | 1.73 | - | Upgrade
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| EPS (Diluted) | -0.74 | -1.44 | -2.87 | -1.31 | 1.43 | - | Upgrade
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| Free Cash Flow | 128.36 | 185.49 | -113.24 | -666.69 | 159.93 | 14.34 | Upgrade
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| Free Cash Flow Per Share | 1.41 | 2.07 | -1.35 | -8.05 | 1.69 | 0.82 | Upgrade
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| Gross Margin | 79.03% | 76.66% | 72.57% | 77.97% | 86.20% | 84.44% | Upgrade
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| Operating Margin | -9.64% | -19.56% | -40.41% | -12.07% | 17.07% | 8.20% | Upgrade
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| Profit Margin | -8.75% | -18.99% | -43.78% | -12.73% | 15.90% | - | Upgrade
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| Free Cash Flow Margin | 16.91% | 27.40% | -20.65% | -78.13% | 18.77% | 5.94% | Upgrade
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| EBITDA | -51.83 | -111.87 | -196.73 | -89.51 | 152.93 | 22.07 | Upgrade
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| EBITDA Margin | -6.83% | -16.53% | -35.87% | -10.49% | 17.95% | 9.14% | Upgrade
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| D&A For EBITDA | 21.32 | 20.55 | 24.9 | 13.51 | 7.54 | 2.28 | Upgrade
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| EBIT | -73.15 | -132.42 | -221.63 | -103.02 | 145.39 | 19.79 | Upgrade
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| EBIT Margin | -9.64% | -19.56% | -40.41% | -12.07% | 17.07% | 8.20% | Upgrade
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| Effective Tax Rate | - | - | - | - | - | 6.24% | Upgrade
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| Revenue as Reported | 722.11 | 636.53 | 513.56 | 842.44 | 848.59 | 233.42 | Upgrade
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Updated May 6, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.