Upstart Holdings, Inc. (UPST)
NASDAQ: UPST · Real-Time Price · USD
26.77
-0.27 (-1.00%)
Jul 31, 2026, 10:06 AM EDT - Market open
Upstart Holdings Financials Overview
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Revenue Revenue Growth | 1,139 | 1,044 | 636.53 | 513.56 | 842.44 | 848.59 |
Revenue Growth | 57.69% | 63.99% | 23.94% | -39.04% | -0.72% | 263.55% |
Gross Profit Gross Profit Growth | 935.73 | 855.48 | 478.53 | 363.14 | 654.45 | 731.01 |
Operating Income Operating Income Growth | 39.61 | 42.63 | -172.86 | -256.53 | -113.86 | 140.88 |
Net Income Net Income Growth | 49.4 | 53.6 | -128.58 | -240.13 | -108.67 | 135.44 |
Earnings Per Share EPS Growth | 0.38 | 0.45 | -1.44 | -2.87 | -1.31 | 1.43 |
EPS Growth | - | - | - | - | - | - |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Platform and Referral Fees Net Platform and Referral Fees Net Growth | 866.62 | 792.98 | 502.41 | 414.12 | 732.24 | 726.16 |
Servicing and Other Fees Net Servicing and Other Fees Net Growth | 174.98 | 157.03 | 133.06 | 146.31 | 175.04 | 75.11 |
Revenue (Total) Revenue (Total) Growth | 1,139 | 1,044 | 636.53 | 513.56 | 842.44 | 848.59 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Investments Cash & Investments Growth | 472.93 | 652.39 | 788.42 | 368.41 | 422.41 | 986.61 |
Total Debt Total Debt Growth | 1,939 | 1,850 | 1,452 | 1,103 | 1,087 | 795.8 |
Net Cash (Debt) Net Cash Growth | -1,466 | -1,198 | -664.02 | -734.34 | -664.77 | 190.81 |
Net Cash Growth | - | - | - | - | - | 13.06% |
Net Cash Per Share Net Cash Per Share Growth | -13.91 | -11.14 | -7.42 | -8.77 | -8.03 | 2.01 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Cash Flow Operating Cash Flow Growth | -267.54 | -147.73 | 186.33 | -111.71 | -657.86 | 168.35 |
Capital Expenditures CapEx Growth | -3.1 | -0.35 | -0.84 | -1.53 | -8.83 | -8.43 |
Free Cash Flow Free Cash Flow Growth | -270.63 | -148.07 | 185.49 | -113.24 | -666.69 | 159.93 |
Free Cash Flow Growth | - | - | - | - | - | 1297.10% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Gross Margin | 82.18% | 81.95% | 75.18% | 70.71% | 77.68% | 86.14% |
Operating Margin | 3.48% | 4.08% | -27.16% | -49.95% | -13.52% | 16.60% |
Pretax Margin | 4.41% | 5.20% | -20.17% | -46.74% | -12.95% | 15.76% |
Profit Margin | 4.34% | 5.13% | -20.20% | -46.76% | -12.90% | 15.96% |
FCF Margin | -23.77% | -14.19% | 29.14% | -22.05% | -79.14% | 18.85% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jul '26 Jul 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 65.33 | 97.18 | - | - | - | 105.80 |
Forward PE | 10.43 | 19.68 | 292.91 | 267.92 | 18.38 | 72.48 |
P/FCF Ratio | - | - | 31.02 | - | - | 79.15 |
PS Ratio | 2.21 | 4.11 | 9.04 | 6.87 | 1.28 | 14.92 |