Upstart Holdings, Inc. (UPST)
NASDAQ: UPST · Real-Time Price · USD
22.15
+0.25 (1.16%)
Nov 9, 2026, 1:14 PM EST - 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 | Sep '26 Sep 30, 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 | 1,383 | 1,076 | 676.96 | 548.46 | 853.29 | 851.86 |
Revenue Growth | 38.65% | 58.88% | 23.43% | -35.72% | 0.17% | 252.82% |
Gross Profit Gross Profit Growth | 1,152 | 887.14 | 518.97 | 398.04 | 665.29 | 734.28 |
Operating Income Operating Income Growth | 105.9 | 74.3 | -132.42 | -221.63 | -103.02 | 145.39 |
Net Income Net Income Growth | 65.11 | 53.6 | -128.58 | -240.13 | -108.67 | 135.44 |
Earnings Per Share EPS Growth | 0.61 | 0.45 | -1.44 | -2.87 | -1.31 | 1.43 |
EPS Growth | 138.00% | - | - | - | - | - |
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 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 | 1,014 | 792.98 | 502.41 | 414.12 | 732.24 | 726.16 |
Servicing and Other Fees Net Servicing and Other Fees Net Growth | 216.67 | 157.03 | 133.06 | 146.31 | 175.04 | 75.11 |
Other Other Growth | 108.77 | 93.85 | 1.06 | - | - | 47.31 |
Revenue (Total) Revenue (Total) Growth | 1,340 | 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 | Sep '26 Sep 30, 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 | 463.19 | 657.67 | 795.47 | 383.28 | 422.41 | 986.61 |
Total Debt Total Debt Growth | 2,114 | 1,897 | 1,540 | 1,244 | 1,087 | 795.8 |
Net Cash (Debt) Net Cash Growth | -1,651 | -1,239 | -744.3 | -860.88 | -664.77 | 190.81 |
Net Cash Growth | - | - | - | - | - | 13.06% |
Net Cash Per Share Net Cash Per Share Growth | -14.95 | -11.53 | -8.32 | -10.28 | -8.03 | 2.01 |
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 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 | -181.13 | -147.73 | 186.33 | -111.71 | -657.86 | 168.35 |
Capital Expenditures CapEx Growth | -5.83 | -0.35 | -0.84 | -1.53 | -8.83 | -8.43 |
Free Cash Flow Free Cash Flow Growth | -186.96 | -148.07 | 185.49 | -113.24 | -666.69 | 159.93 |
Free Cash Flow Growth | - | - | - | - | - | 1015.09% |
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 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 | 83.26% | 82.48% | 76.66% | 72.57% | 77.97% | 86.20% |
Operating Margin | 7.66% | 6.91% | -19.56% | -40.41% | -12.07% | 17.07% |
Pretax Margin | 4.84% | 5.05% | -18.97% | -43.76% | -12.78% | 15.70% |
Profit Margin | 4.71% | 4.98% | -18.99% | -43.78% | -12.73% | 15.90% |
FCF Margin | -13.51% | -13.77% | 27.40% | -20.65% | -78.13% | 18.77% |
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Nov '26 Nov 9, 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 | 36.27 | 79.37 | - | - | - | 91.55 |
Forward PE | 8.11 | 19.68 | 292.91 | 267.92 | 18.38 | 72.48 |
P/FCF Ratio | - | - | 30.28 | - | - | 77.54 |
PS Ratio | 1.59 | 3.96 | 8.30 | 6.34 | 1.27 | 14.56 |