UPST
UPSTART HLDGS (UPST)
NASDAQ
$31.06+$0.60 (+1.97%)
Price as of Jun 18, 2026 6:40 AM EDT
  • $2.9B
    Market Cap
  • -48.44%
    1-Year Change
  • Credit Services
    Industry
Annual
Quarterly
12/31/2025
12/31/2024
12/31/2023
12/31/2022
Income Statement
Total Operating Revenue
1.0B
+63.99%
636.5M
+23.94%
513.6M
-39.04%
842.4M
-0.72%
Cost of Revenue
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Gross Profit
1.0B
+63.99%
636.5M
+23.94%
513.6M
-39.04%
842.4M
-0.72%
Sales and Marketing Expense
301.5M
+80.76%
166.8M
+31.19%
127.1M
-63.23%
345.8M
+3.70%
Research and Development Expense
-257.6M
+1.56%
-253.7M
-9.45%
-280.1M
+18.08%
-237.2M
+77.05%
Depreciation and Amortization Expense
24.8M
+20.86%
20.5M
-17.48%
24.9M
+84.29%
13.5M
+79.19%
Total Operating Expenses
1.0B
+23.70%
809.4M
+5.10%
770.1M
-19.47%
956.3M
+35.13%
Operating Profit
42.6M
+124.66%
-172.9M
-32.62%
-256.5M
+125.29%
-113.9M
-180.82%
Interest Income
204.2M
+9.59%
186.4M
+10.27%
169.0M
+60.06%
105.6M
+411.68%
Interest Expense
-14.2M
+215.56%
-4.5M
-87.10%
-34.9M
+221.81%
-10.8M
+231.19%
Interest Income and Expense and Net
190.0M
+4.49%
181.9M
+35.61%
134.1M
+41.55%
94.7M
+445.72%
Total Nonoperating Income and Expense
24.3M
+29.43%
18.8M
-11.38%
21.2M
+123.86%
9.5M
+283.09%
Income before Taxes
54.3M
+142.31%
-128.4M
-46.51%
-240.0M
+120.06%
-109.1M
-181.56%
Income Taxes
728,000
+293.51%
185,000
+72.90%
107,000
+126.16%
-409,000
-76.11%
Extraordinary Items
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Net Income
53.6M
+141.69%
-128.6M
-46.45%
-240.1M
+120.98%
-108.7M
-180.23%
Net Income from Continuing Operations Applicable to Common
53.6M
+141.69%
-128.6M
-46.45%
-240.1M
+120.98%
-108.7M
-180.23%
Basic EPS and Net Income
0.56
+138.89%
-1.44
-49.83%
-2.87
+119.08%
-1.31
-175.72%
Diluted EPS and Net Income
0.45
+131.25%
-1.44
-49.83%
-2.87
+119.08%
-1.31
-191.61%
Basic Weighted Average Shares
96.0M
+7.36%
89.5M
+6.79%
83.8M
+1.20%
82.8M
+5.97%
Diluted Weighted Average Shares
107.5M
+20.17%
89.5M
+6.79%
83.8M
+1.20%
82.8M
-12.66%
Balance Sheet
Cash and Cash Equivalents
652.4M
-17.25%
788.4M
+114.01%
368.4M
-12.79%
422.4M
-57.19%
Short-Term Investments
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Cash and Cash Equivalents and Short-Term Investments
652.4M
-17.25%
788.4M
+114.01%
368.4M
-12.79%
422.4M
-57.19%
Total Current Assets
255.4M
+17.82%
216.8M
+48.24%
146.2M
+5.41%
138.7M
+14.55%
Accumulated Depreciation
78.4M
+41.55%
55.4M
+47.94%
37.4M
+118.25%
17.2M
+116.63%
Property and Plant and Equipment and Net
44.2M
+13.23%
39.0M
-8.54%
42.7M
-3.43%
44.2M
+82.07%
Total Long-Term Assets
255.4M
+17.82%
216.8M
+48.24%
146.2M
+5.41%
138.7M
+14.55%
Total Assets
3.0B
+25.68%
2.4B
+17.34%
2.0B
+4.19%
1.9B
+6.35%
Income Taxes Payable
68.2M
+80.60%
37.8M
+34.46%
28.1M
+19.54%
23.5M
-51.24%
Total Short-Term Debt
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Current Liabilities
100.2M
+99.78%
50.2M
+297.70%
12.6M
-32.60%
18.7M
+185.16%
Total Long-Term Debt
1.8B
+30.45%
1.4B
+34.77%
1.0B
+5.48%
986.4M
+41.84%
Total Long-Term Liabilities
21.1M
-57.94%
50.3M
-19.33%
62.3M
-38.16%
100.8M
+0.42%
Total Liabilities
2.2B
+25.51%
1.7B
+25.47%
1.4B
+9.35%
1.3B
+24.69%
Retained Earnings
-357.6M
-13.04%
-411.2M
+45.50%
-282.6M
+565.76%
-42.4M
-164.09%
Total Stockholders Equity
798.8M
+26.15%
633.2M
-0.33%
635.3M
-5.52%
672.4M
-16.68%
Total Shares Outstanding
98.0M
+4.88%
93.5M
+8.27%
86.3M
+6.24%
81.3M
-2.87%
Cash Flow
Cash from Operating Activities
-147.7M
-179.28%
186.3M
+216.10%
-160.5M
-76.21%
-674.7M
-500.75%
Capital Expenditures
347,000
-58.54%
837,000
-45.19%
1.5M
-82.70%
8.8M
+4.72%
Cash from Investing Activities
-177.2M
-25.47%
-237.7M
+100.69%
-118.5M
+3.79%
-114.1M
-20.68%
Dividends Paid
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Cash from Financing Activities
405.6M
-27.55%
559.9M
+161.29%
214.3M
+64.78%
130.0M
-84.80%
Financials Ratio
Gross Margin
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Operating Margin
4.08%
+115.04%
-27.16%
-45.63%
-49.95%
+269.57%
-13.52%
N/A
Return on Assets
2.01%
+134.21%
-5.87%
-51.72%
-12.15%
+109.99%
-5.79%
N/A
Return on Equity
7.49%
+136.93%
-20.27%
-44.80%
-36.72%
+150.01%
-14.69%
N/A
Revenue Growth
63.99%
+167.26%
23.94%
+161.33%
-39.04%
+5,291.38%
-0.72%
N/A
Current Ratio
2.55
-41.03%
4.32
-62.73%
11.59
+56.41%
7.41
N/A
Cash Ratio
6.51
-58.58%
15.72
-46.19%
29.21
+29.41%
22.57
N/A
Debt-to-Equity Ratio
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Debt-to-Assets Ratio
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A

Earnings & Revenue History

Debt-to-Assets

Cash Flow