Upstart Holdings, Inc. (UPST)
NASDAQ: UPST · Real-Time Price · USD
66.90
+1.03 (1.56%)
At close: Sep 5, 2025, 4:00 PM
66.59
-0.31 (-0.46%)
After-hours: Sep 5, 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 | 2018 - 2020 |
|---|---|---|---|---|---|---|---|
Period Ending | Jun '25 Jun 30, 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 | 2018 - 2020 |
Operating Revenue | 793.12 | 635.47 | 560.43 | 907.27 | 801.28 | 228.6 | Upgrade |
Other Revenue | 91.69 | 41.5 | -11.98 | -53.99 | 50.59 | 12.84 | Upgrade |
| 884.81 | 676.96 | 548.46 | 853.29 | 851.86 | 241.44 | Upgrade | |
Revenue Growth (YoY) | 53.62% | 23.43% | -35.72% | 0.17% | 252.82% | 26.63% | Upgrade |
Cost of Revenue | 166.65 | 158 | 150.42 | 187.99 | 117.58 | 37.58 | Upgrade |
Gross Profit | 718.16 | 518.97 | 398.04 | 665.29 | 734.28 | 203.86 | Upgrade |
Selling, General & Admin | 476.2 | 397.74 | 339.53 | 531.07 | 454.89 | 145.27 | Upgrade |
Research & Development | 258.77 | 253.65 | 280.14 | 237.25 | 134 | 38.8 | Upgrade |
Operating Expenses | 734.97 | 651.39 | 619.67 | 768.31 | 588.89 | 184.07 | Upgrade |
Operating Income | -16.82 | -132.42 | -221.63 | -103.02 | 145.39 | 19.79 | Upgrade |
Interest Expense | -36.24 | -43.63 | -37.99 | -13.84 | -4.67 | -8.03 | Upgrade |
Interest & Investment Income | 18.79 | 18.79 | 21.21 | 9.47 | - | 0.25 | Upgrade |
Other Non Operating Income (Expenses) | -5.22 | -4.49 | -1.61 | -1.68 | -5.75 | -11.36 | Upgrade |
EBT Excluding Unusual Items | -39.48 | -161.76 | -240.03 | -109.07 | 134.97 | 0.65 | Upgrade |
Merger & Restructuring Charges | - | - | - | - | -1.24 | - | Upgrade |
Other Unusual Items | 33.36 | 33.36 | - | - | - | 5.3 | Upgrade |
Pretax Income | -6.12 | -128.4 | -240.03 | -109.07 | 133.73 | 5.95 | Upgrade |
Income Tax Expense | 0.23 | 0.19 | 0.11 | -0.41 | -1.71 | 0.37 | Upgrade |
Earnings From Continuing Operations | -6.35 | -128.58 | -240.13 | -108.67 | 135.44 | 5.58 | Upgrade |
Minority Interest in Earnings | - | - | - | - | - | 0.4 | Upgrade |
Net Income | -6.35 | -128.58 | -240.13 | -108.67 | 135.44 | 5.98 | Upgrade |
Preferred Dividends & Other Adjustments | - | - | - | - | - | 5.98 | Upgrade |
Net Income to Common | -6.35 | -128.58 | -240.13 | -108.67 | 135.44 | - | Upgrade |
Net Income Growth | - | - | - | - | 2163.80% | - | Upgrade |
Shares Outstanding (Basic) | 93 | 89 | 84 | 83 | 78 | 18 | Upgrade |
Shares Outstanding (Diluted) | 93 | 89 | 84 | 83 | 95 | 18 | Upgrade |
Shares Change (YoY) | 7.72% | 6.79% | 1.20% | -12.66% | 441.13% | 22.17% | Upgrade |
EPS (Basic) | -0.07 | -1.44 | -2.87 | -1.31 | 1.73 | - | Upgrade |
EPS (Diluted) | -0.07 | -1.44 | -2.87 | -1.31 | 1.43 | - | Upgrade |
Free Cash Flow | -65.46 | 185.49 | -113.24 | -666.69 | 159.93 | 14.34 | Upgrade |
Free Cash Flow Per Share | -0.70 | 2.07 | -1.35 | -8.05 | 1.69 | 0.82 | Upgrade |
Gross Margin | 81.16% | 76.66% | 72.57% | 77.97% | 86.20% | 84.44% | Upgrade |
Operating Margin | -1.90% | -19.56% | -40.41% | -12.07% | 17.07% | 8.20% | Upgrade |
Profit Margin | -0.72% | -18.99% | -43.78% | -12.73% | 15.90% | - | Upgrade |
Free Cash Flow Margin | -7.40% | 27.40% | -20.65% | -78.13% | 18.77% | 5.94% | Upgrade |
EBITDA | 5.52 | -111.87 | -196.73 | -89.51 | 152.93 | 22.07 | Upgrade |
EBITDA Margin | 0.62% | -16.53% | -35.87% | -10.49% | 17.95% | 9.14% | Upgrade |
D&A For EBITDA | 22.33 | 20.55 | 24.9 | 13.51 | 7.54 | 2.28 | Upgrade |
EBIT | -16.82 | -132.42 | -221.63 | -103.02 | 145.39 | 19.79 | Upgrade |
EBIT Margin | -1.90% | -19.56% | -40.41% | -12.07% | 17.07% | 8.20% | Upgrade |
Effective Tax Rate | - | - | - | - | - | 6.24% | Upgrade |
Revenue as Reported | 636.53 | 636.53 | 513.56 | 842.44 | 848.59 | 233.42 | Upgrade |
Updated Aug 5, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.