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 - Q3 2025 - Nov 4, 2025

Key Ratios

Label TTM Value / Value Unit Change %
Debt-to-equity 262 % +24.4%
Return On Assets 1.28 %
Operating Margin 1.96 %

Shares

Label TTM Value / Value Unit Change %
Entity Common Stock, Shares Outstanding 97.3M shares +6.64%
Common Stock, Shares, Outstanding 97.3M shares +6.9%
Entity Public Float 1.83B USD -29.6%
Common Stock, Value, Issued 10K USD +11.1%
Weighted Average Number of Shares Outstanding, Basic 96.7M shares +7.28%
Weighted Average Number of Shares Outstanding, Diluted 110M shares +21.8%

Income Statement

Label TTM Value / Value Unit Change %
Revenues 967M USD +73.3%
Revenue from Contract with Customer, Excluding Assessed Tax 563M USD -45.8%
Research and Development Expense 258M USD +5.88%
Selling and Marketing Expense 266M USD +77.5%
General and Administrative Expense 246M USD +8.86%
Operating Income (Loss) 19M USD
Income Tax Expense (Benefit) 313K USD +128%
Net Income (Loss) Attributable to Parent 32.2M 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 490M USD
Property, Plant and Equipment, Net 44.3M USD +15.5%
Operating Lease, Right-of-Use Asset 34.6M USD -25.2%
Intangible Assets, Net (Excluding Goodwill) 8.58M USD -11.7%
Goodwill 67.1M USD -0.06%
Assets 2.9B USD +60.6%
Liabilities 2.16B USD +78.1%
Retained Earnings (Accumulated Deficit) -376M USD +7.89%
Stockholders' Equity Attributable to Parent 744M USD +24.9%
Liabilities and Equity 2.9B USD +60.6%

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 97.3M 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 -137M USD -377%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents 837M USD +27.6%
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 40.6M USD -24%
Depreciation 16.1M USD -23.7%
Payments to Acquire Property, Plant, and Equipment 0 USD -100%
Lessee, Operating Lease, Liability, to be Paid 44.3M USD -25.7%
Property, Plant and Equipment, Gross 117M USD +30.4%
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 3.77M USD -39.9%
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 14.6M USD -32.5%
Additional Paid in Capital 1.12B USD +11.6%
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 -5.19%
Interest Expense 38.5M USD +126%