Upstart Holdings, Inc. financial data

Symbol
UPST on Nasdaq
Location
2950 S. Delaware Street, Suite 300, San Mateo, CA
Fiscal year end
December 31
Latest financial report
10-Q/A - Q2 2025 - Aug 6, 2025

Key Ratios

Label TTM Value / Value Unit Change %
Debt-to-equity 241 % +13.1%
Return On Assets -0.28 % +97.3%
Operating Margin -5.85 % +85.5%

Shares

Label TTM Value / Value Unit Change %
Entity Common Stock, Shares Outstanding 96.2M shares +7.49%
Common Stock, Shares, Outstanding 96.1M shares +7.87%
Entity Public Float 1.83B USD -29.6%
Common Stock, Value, Issued 10K USD +11.1%
Weighted Average Number of Shares Outstanding, Basic 95.5M shares +8.02%
Weighted Average Number of Shares Outstanding, Diluted 103M shares +16.3%

Income Statement

Label TTM Value / Value Unit Change %
Revenues 852M USD +60.6%
Revenue from Contract with Customer, Excluding Assessed Tax 563M USD -45.8%
Research and Development Expense 259M USD +10.8%
Selling and Marketing Expense 231M USD +64.9%
General and Administrative Expense 245M USD +11.6%
Operating Income (Loss) -49.9M USD +76.7%
Income Tax Expense (Benefit) 234K USD +129%
Net Income (Loss) Attributable to Parent -6.35M USD +96.9%
Earnings Per Share, Basic 0 USD/shares +97.8%
Earnings Per Share, Diluted 0 USD/shares +97.4%

Balance Sheet

Label TTM Value / Value Unit Change %
Cash and Cash Equivalents, at Carrying Value 396M USD
Property, Plant and Equipment, Net 43.9M USD +10.6%
Operating Lease, Right-of-Use Asset 37.6M USD -23.4%
Intangible Assets, Net (Excluding Goodwill) 8.86M USD -11.4%
Goodwill 67.1M USD -0.06%
Assets 2.48B USD +36.1%
Liabilities 1.76B USD +43.3%
Retained Earnings (Accumulated Deficit) -408M USD -1.58%
Stockholders' Equity Attributable to Parent 722M USD +21.4%
Liabilities and Equity 2.48B USD +36.1%

Popular Metrics

Label TTM Value / Value Unit Change %
Net Cash Provided by (Used in) Operating Activities -13.5M USD -130%
Net Cash Provided by (Used in) Financing Activities -44.7M USD -26.1%
Net Cash Provided by (Used in) Investing Activities -78.6M USD -109%
Common Stock, Shares Authorized 700M shares 0%
Common Stock, Shares, Issued 96.1M shares +7.87%
Common Stock, Par or Stated Value Per Share 0 USD/shares 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect -137M USD -377%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents 701M USD +25.1%
Interest Paid, Excluding Capitalized Interest, Operating Activities 7.38M USD -40.8%
Deferred Tax Assets, Valuation Allowance 509M USD +14.8%
Deferred Tax Assets, Gross 536M USD +12.5%
Operating Lease, Liability 43.8M USD -22.2%
Depreciation 21.2M USD +6.53%
Payments to Acquire Property, Plant, and Equipment 0 USD -100%
Lessee, Operating Lease, Liability, to be Paid 48.2M USD -24%
Property, Plant and Equipment, Gross 111M USD +28.8%
Lessee, Operating Lease, Liability, to be Paid, Year Two 15.5M USD -2.37%
Lessee, Operating Lease, Liability, to be Paid, Year One 15.9M USD +2.91%
Operating Lease, Weighted Average Discount Rate, Percent 0.05 pure 0%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount 4.33M USD -37.9%
Lessee, Operating Lease, Liability, to be Paid, Year Three 6.14M USD -60.3%
Deferred Tax Assets, Operating Loss Carryforwards 346M USD +5.43%
Unrecognized Tax Benefits 26.5M USD +19.4%
Lessee, Operating Lease, Liability, to be Paid, Year Four 2.99M USD -51.3%
Operating Lease, Payments 14.5M USD -33.7%
Additional Paid in Capital 1.13B USD +13.4%
Depreciation, Depletion and Amortization 6.4M USD +13.6%
Deferred Tax Assets, Net of Valuation Allowance 27.1M USD -18.7%
Share-based Payment Arrangement, Expense 129M USD -6.91%
Interest Expense 38.5M USD +126%