Upstart Holdings, Inc. financial data

Symbol
UPST on Nasdaq
Location
San Mateo, CA
Fiscal year end
31 December
Latest financial report
10-Q - Q3 2025 - 04 Nov 2025

Key Ratios

Label TTM Value / Value Unit Change %
Debt-to-equity 262% % 24%
Return On Assets 1% %
Operating Margin 2% %

Shares

Label TTM Value / Value Unit Change %
Entity Common Stock, Shares Outstanding 97,286,484 shares 6.6%
Common Stock, Shares, Outstanding 97,275,544 shares 6.9%
Entity Public Float $1,827,095,157 USD -30%
Common Stock, Value, Issued $10,000 USD 11%
Weighted Average Number of Shares Outstanding, Basic 96,682,774 shares 7.3%
Weighted Average Number of Shares Outstanding, Diluted 109,724,669 shares 22%

Income Statement

Label TTM Value / Value Unit Change %
Revenues $966,731,000 USD 73%
Research and Development Expense $257,911,000 USD 5.9%
Selling and Marketing Expense $266,382,000 USD 77%
General and Administrative Expense $246,337,000 USD 8.9%
Operating Income (Loss) $18,962,000 USD
Income Tax Expense (Benefit) $313,000 USD 128%
Net Income (Loss) Attributable to Parent $32,210,000 USD
Earnings Per Share, Basic 0 USD/shares
Earnings Per Share, Diluted 0 USD/shares

Balance Sheet

Label TTM Value / Value Unit Change %
Cash and Cash Equivalents, at Carrying Value $489,784,000 USD
Property, Plant and Equipment, Net $44,259,000 USD 15%
Operating Lease, Right-of-Use Asset $34,646,000 USD -25%
Intangible Assets, Net (Excluding Goodwill) $8,575,000 USD -12%
Goodwill $67,062,000 USD -0.06%
Assets $2,904,848,000 USD 61%
Liabilities $2,161,130,000 USD 78%
Retained Earnings (Accumulated Deficit) $376,192,000 USD 7.9%
Stockholders' Equity Attributable to Parent $743,718,000 USD 25%
Liabilities and Equity $2,904,848,000 USD 61%

Popular Metrics

Label TTM Value / Value Unit Change %
Net Cash Provided by (Used in) Operating Activities $13,486,000 USD -130%
Net Cash Provided by (Used in) Financing Activities $44,680,000 USD -26%
Net Cash Provided by (Used in) Investing Activities $78,569,000 USD -109%
Common Stock, Shares Authorized 700,000,000 shares 0%
Common Stock, Shares, Issued 97,275,544 shares 6.9%
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 $136,735,000 USD -377%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $836,905,000 USD 28%
Interest Paid, Excluding Capitalized Interest, Operating Activities $7,378,000 USD -41%
Deferred Tax Assets, Valuation Allowance $508,966,000 USD 15%
Deferred Tax Assets, Gross $536,113,000 USD 12%
Operating Lease, Liability $40,551,000 USD -24%
Depreciation $16,100,000 USD -24%
Payments to Acquire Property, Plant, and Equipment $0 USD -100%
Lessee, Operating Lease, Liability, to be Paid $44,316,000 USD -26%
Property, Plant and Equipment, Gross $116,673,000 USD 30%
Lessee, Operating Lease, Liability, to be Paid, Year Two $15,474,000 USD -2.4%
Lessee, Operating Lease, Liability, to be Paid, Year One $15,850,000 USD 2.9%
Operating Lease, Weighted Average Discount Rate, Percent 0.05 pure 0%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $3,765,000 USD -40%
Lessee, Operating Lease, Liability, to be Paid, Year Three $6,143,000 USD -60%
Deferred Tax Assets, Operating Loss Carryforwards $346,356,000 USD 5.4%
Unrecognized Tax Benefits $26,466,000 USD 19%
Lessee, Operating Lease, Liability, to be Paid, Year Four $2,990,000 USD -51%
Operating Lease, Payments $14,585,000 USD -32%
Additional Paid in Capital $1,119,900,000 USD 12%
Depreciation, Depletion and Amortization $6,400,000 USD 14%
Deferred Tax Assets, Net of Valuation Allowance $27,147,000 USD -19%
Share-based Payment Arrangement, Expense $129,293,000 USD -5.2%
Interest Expense $38,476,000 USD 126%