Upstart Holdings Key Executives
This section highlights Upstart Holdings's key executives, including their titles and compensation details.
Find Contacts at Upstart Holdings
( total contacts)
Upstart Holdings Earnings
This section highlights Upstart Holdings's earnings, including key dates, EPS, earnings reports, and earnings call transcripts.
Next Earnings Date
Date:
May 06, 2025
Time:
After Market
Est. EPS:
$0.19
Status:
Unconfirmed
Last Earnings Results
Date:
February 11, 2025
EPS:
$0.26
Est. EPS:
$-0.04
Revenue:
$211.27M
Earnings Call Transcripts
| Transcript | Quarter | Year | Date | Estimated EPS | Actual EPS |
|---|---|---|---|---|---|
| Read Transcript | Q4 | 2024 | 2025-02-11 | $-0.04 | $0.26 |
| Read Transcript | Q3 | 2024 | 2024-11-08 | N/A | N/A |
| Read Transcript | Q2 | 2024 | 2024-08-06 | $-0.39 | $-0.17 |
| Read Transcript | Q1 | 2024 | 2024-05-07 | $-0.38 | $-0.31 |
| Read Transcript | Q4 | 2023 | 2024-02-13 | $-0.15 | $-0.11 |
| Read Transcript | Q3 | 2023 | 2023-11-07 | $-0.02 | $-0.05 |
| Read Transcript | Q2 | 2023 | 2023-08-08 | $-0.06 | $0.06 |
| Read Transcript | Q1 | 2023 | 2023-05-09 | $-0.82 | $-0.47 |
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform aggregates consumer demand for loans and connects it to its network of the company's AI-enabled bank partners. The company was founded in 2012 and is headquartered in San Mateo, California.
Financial Services
Financial - Credit Services
$48.68
Stock Price
$4.63B
Market Cap
1.19K
Employees
San Mateo, CA
Location
Financial Statements
Access annual & quarterly financial statements for Upstart Holdings, including income statements, balance sheets, and cash flow statements..
Annual Income Statement
| Breakdown | December 31, 2024 | December 31, 2023 | December 31, 2022 | December 31, 2021 | December 31, 2020 |
|---|---|---|---|---|---|
| Revenue | $628.83M | $508.12M | $837.76M | $846.61M | $222.05M |
| Cost of Revenue | $- | $- | $- | $- | $- |
| Gross Profit | $628.83M | $508.12M | $837.76M | $846.61M | $222.05M |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research and Development Expenses | $- | $- | $- | $- | $- |
| General and Administrative Expenses | $388.93M | $362.81M | $373.28M | $239.02M | $83.19M |
| Selling and Marketing Expenses | $166.80M | $127.14M | $345.78M | $333.45M | $99.66M |
| Selling General and Administrative Expenses | $555.73M | $489.95M | $719.06M | $572.47M | $182.85M |
| Other Expenses | $201.50M | $258.19M | $227.77M | $140.41M | $33.25M |
| Operating Expenses | $757.23M | $748.14M | $946.83M | $712.88M | $216.10M |
| Cost and Expenses | $757.23M | $748.14M | $946.83M | $712.88M | $216.10M |
| Interest Income | $186.36M | $169.00M | $105.58M | $20.63M | $26.41M |
| Interest Expense | $48.13M | $34.89M | $10.84M | $3.27M | $8.03M |
| Depreciation and Amortization | $20.55M | $24.90M | $13.51M | $7.54M | $2.28M |
| EBITDA | $-111.87M | $-196.73M | $-89.51M | $152.93M | $22.07M |
| EBITDA Ratio | -17.79% | -38.72% | -10.68% | 18.06% | 9.94% |
| Operating Income | $-172.86M | $-256.52M | $-113.86M | $140.88M | $11.77M |
| Operating Income Ratio | -27.49% | -50.49% | -13.59% | 16.64% | 5.30% |
| Total Other Income Expenses Net | $44.46M | $16.50M | $4.79M | $-7.15M | $-5.82M |
| Income Before Tax | $-128.40M | $-240.03M | $-109.07M | $133.73M | $5.95M |
| Income Before Tax Ratio | -20.42% | -47.24% | -13.02% | 15.80% | 2.68% |
| Income Tax Expense | $185.00K | $107.00K | $-409.00K | $-1.71M | $371.00K |
| Net Income | $-128.58M | $-240.13M | $-108.67M | $135.44M | $5.98M |
| Net Income Ratio | -20.45% | -47.26% | -12.97% | 16.00% | 2.69% |
| EPS | $-1.44 | $-2.87 | $-1.31 | $1.73 | $0.08 |
| EPS Diluted | $-1.44 | $-2.87 | $-1.31 | $1.43 | $0.08 |
| Weighted Average Shares Outstanding | 89.45M | 83.77M | 82.77M | 78.11M | 73.31M |
| Weighted Average Shares Outstanding Diluted | 89.45M | 83.77M | 82.77M | 94.77M | 73.31M |
| SEC Filing | Source | Source | Source | Source | Source |
| Breakdown | December 31, 2024 | September 30, 2024 | June 30, 2024 | March 31, 2024 | December 31, 2023 | September 30, 2023 | June 30, 2023 | March 31, 2023 | December 31, 2022 | September 30, 2022 | June 30, 2022 | March 31, 2022 | December 31, 2021 | September 30, 2021 | June 30, 2021 | March 31, 2021 | December 31, 2020 | September 30, 2020 | June 30, 2020 | March 31, 2020 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $211.27M | $162.14M | $127.63M | $127.79M | $134.87M | $134.56M | $135.77M | $102.93M | $142.23M | $157.23M | $228.16M | $310.14M | $303.68M | $228.45M | $193.95M | $121.34M | $77.66M | $62.77M | $17.34M | $64.28M |
| Cost of Revenue | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| Gross Profit | $211.27M | $162.14M | $127.63M | $127.79M | $134.87M | $134.56M | $135.77M | $102.93M | $142.23M | $157.23M | $228.16M | $310.14M | $303.68M | $228.45M | $193.95M | $121.34M | $77.66M | $62.77M | $17.34M | $64.28M |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research and Development Expenses | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| General and Administrative Expenses | $101.03M | $99.18M | $91.70M | $97.02M | $91.89M | $90.42M | $87.25M | $93.25M | $90.63M | $92.78M | $98.01M | $91.86M | $81.89M | $69.42M | $50.29M | $37.41M | $27.62M | $19.46M | $15.64M | $20.47M |
| Selling and Marketing Expenses | $55.46M | $43.23M | $32.96M | $35.15M | $38.77M | $33.04M | $23.89M | $31.44M | $50.75M | $56.36M | $105.21M | $133.45M | $114.81M | $93.35M | $75.92M | $49.38M | $34.55M | $23.73M | $5.44M | $35.95M |
| Selling General and Administrative Expenses | $156.49M | $142.41M | $124.66M | $132.17M | $130.66M | $123.46M | $111.14M | $124.69M | $141.38M | $149.14M | $203.22M | $225.31M | $196.70M | $162.77M | $126.20M | $86.78M | $62.17M | $43.19M | $21.07M | $56.42M |
| Other Expenses | $57.42M | $26.45M | $57.42M | $60.21M | $46.54M | $51.40M | $52.78M | $107.47M | $56.57M | $64.30M | $54.78M | $52.11M | $47.71M | $37.84M | $31.45M | $24.24M | $14.10M | $9.92M | $2.37M | $6.87M |
| Operating Expenses | $213.91M | $168.85M | $182.09M | $192.38M | $177.20M | $174.86M | $163.91M | $232.16M | $197.96M | $213.44M | $258.01M | $277.43M | $244.41M | $200.60M | $157.65M | $111.02M | $76.27M | $53.10M | $23.44M | $63.29M |
| Cost and Expenses | $213.91M | $168.85M | $182.09M | $192.38M | $177.20M | $174.86M | $163.91M | $232.16M | $197.96M | $213.44M | $258.01M | $277.43M | $244.41M | $200.60M | $157.65M | $111.02M | $76.27M | $53.10M | $23.44M | $63.29M |
| Interest Income | $41.46M | $40.84M | $52.88M | $51.17M | $52.07M | $37.69M | $33.92M | $45.31M | $39.29M | $22.18M | $28.97M | $15.13M | $8.61M | $5.07M | $3.54M | $3.40M | $3.70M | $5.80M | $7.72M | $9.18M |
| Interest Expense | $15.12M | $10.82M | $11.47M | $10.71M | $14.07M | $9.41M | $4.28M | $7.13M | $4.52M | $3.05M | $2.31M | $959.00K | $478.00K | $269.00K | $1.50M | $1.03M | $1.07M | $1.44M | $2.26M | $3.25M |
| Depreciation and Amortization | $4.70M | $5.39M | $4.83M | $5.63M | $9.10M | $4.93M | $4.42M | $6.44M | $3.65M | $3.72M | $3.35M | $2.78M | $2.56M | $2.19M | $1.98M | $816.00K | $647.00K | $581.00K | $535.00K | $515.00K |
| EBITDA | $7.38M | $-28.94M | $-39.19M | $-51.12M | $-24.33M | $-29.50M | $-24.64M | $-118.26M | $-50.32M | $-51.32M | $-26.44M | $38.57M | $63.45M | $31.05M | $39.79M | $17.42M | $12.11M | $14.23M | $-8.59M | $4.32M |
| EBITDA Ratio | 3.49% | -17.85% | -30.70% | -40.00% | -18.04% | -21.92% | -18.15% | -114.90% | -35.38% | -32.64% | -11.59% | 12.44% | 20.89% | 13.59% | 20.52% | 14.36% | 15.60% | 22.66% | -49.58% | 6.72% |
| Operating Income | $-4.75M | $-45.15M | $-55.49M | $-67.47M | $-47.50M | $-43.84M | $-33.34M | $-131.84M | $-58.50M | $-58.09M | $-32.11M | $34.83M | $60.41M | $28.60M | $36.29M | $15.57M | $10.39M | $12.21M | $-11.39M | $553.00K |
| Operating Income Ratio | -2.25% | -27.85% | -43.47% | -52.79% | -35.22% | -32.58% | -24.56% | -128.09% | -41.13% | -36.95% | -14.07% | 11.23% | 19.89% | 12.52% | 18.71% | 12.83% | 13.38% | 19.45% | -65.69% | 0.86% |
| Total Other Income Expenses Net | $2.11M | $38.44M | $1.03M | $2.88M | $5.17M | $3.54M | $5.20M | $2.60M | $2.77M | $1.88M | $2.26M | $-2.12M | $-1.15M | $-754.00K | $2.00K | $-5.25M | $-8.99M | $-2.54M | $5.28M | $439.00K |
| Income Before Tax | $-2.64M | $-6.71M | $-54.45M | $-64.58M | $-42.34M | $-40.30M | $-28.15M | $-129.24M | $-55.73M | $-56.21M | $-29.85M | $32.71M | $59.27M | $27.84M | $36.30M | $10.32M | $1.40M | $9.67M | $-6.11M | $992.00K |
| Income Before Tax Ratio | -1.25% | -4.14% | -42.67% | -50.54% | -31.39% | -29.95% | -20.73% | -125.56% | -39.18% | -35.75% | -13.08% | 10.55% | 19.52% | 12.19% | 18.71% | 8.51% | 1.80% | 15.40% | -35.24% | 1.54% |
| Income Tax Expense | $111.00K | $45.00K | $15.00K | $14.00K | $63.00K | $10.00K | $18.00K | $16.00K | $-464.00K | $12.00K | $24.00K | $19.00K | $323.00K | $-1.27M | $-988.00K | $221.00K | $371.00K | $- | $- | $- |
| Net Income | $-2.75M | $-6.76M | $-54.47M | $-64.60M | $-42.40M | $-40.31M | $-28.16M | $-129.25M | $-55.26M | $-56.22M | $-29.87M | $32.69M | $58.94M | $29.11M | $37.28M | $10.10M | $1.03M | $9.67M | $-6.19M | $1.48M |
| Net Income Ratio | -1.30% | -4.17% | -42.68% | -50.55% | -31.44% | -29.96% | -20.75% | -125.58% | -38.85% | -35.76% | -13.09% | 10.54% | 19.41% | 12.74% | 19.22% | 8.33% | 1.32% | 15.40% | -35.73% | 2.30% |
| EPS | $-0.03 | $-0.08 | $-0.62 | $-0.74 | $-0.50 | $-0.48 | $-0.34 | $-1.58 | $-0.67 | $-0.69 | $-0.36 | $0.34 | $0.71 | $0.37 | $0.49 | $0.14 | $0.04 | $0.12 | $-0.28 | $0.10 |
| EPS Diluted | $-0.03 | $-0.08 | $-0.62 | $-0.74 | $-0.50 | $-0.48 | $-0.34 | $-1.58 | $-0.67 | $-0.69 | $-0.36 | $0.34 | $0.60 | $0.30 | $0.39 | $0.11 | $0.04 | $0.10 | $-0.22 | $0.10 |
| Weighted Average Shares Outstanding | 92.17M | 90.12M | 88.44M | 87.03M | 85.57M | 84.40M | 83.13M | 81.91M | 82.23M | 81.48M | 82.97M | 95.46M | 98.29M | 96.06M | 94.80M | 91.45M | 26.00M | 17.56M | 11.46M | 14.63M |
| Weighted Average Shares Outstanding Diluted | 92.17M | 90.12M | 88.44M | 87.03M | 85.57M | 84.40M | 83.13M | 81.91M | 82.23M | 81.67M | 83.83M | 95.46M | 98.80M | 97.04M | 95.60M | 91.84M | 26.00M | 26.75M | 14.66M | 14.72M |
| SEC Filing | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source |
Annual Balance Sheet
| Breakdown | December 31, 2024 | December 31, 2023 | December 31, 2022 | December 31, 2021 | December 31, 2020 |
|---|---|---|---|---|---|
| Cash and Cash Equivalents | $788.42M | $368.40M | $422.41M | $986.61M | $250.82M |
| Short Term Investments | $41.25M | $41.25M | $- | $- | $- |
| Cash and Short Term Investments | $829.67M | $368.40M | $422.41M | $986.61M | $250.82M |
| Net Receivables | $126.56M | $- | $- | $- | $- |
| Inventory | $- | $- | $- | $- | $- |
| Other Current Assets | $28.83M | $1.27B | $1.13B | $465.40M | $158.05M |
| Total Current Assets | $976.26M | $1.64B | $1.55B | $1.45B | $408.87M |
| Property Plant Equipment Net | $82.47M | $66.05M | $103.10M | $106.88M | $22.34M |
| Goodwill | $67.06M | $67.06M | $67.06M | $67.06M | $- |
| Intangible Assets | $9.43M | $11.36M | $43.03M | $33.41M | $6.00M |
| Goodwill and Intangible Assets | $76.49M | $78.42M | $110.09M | $100.47M | $6.00M |
| Long Term Investments | $41.25M | $5.96M | $41.25M | $40.00M | $- |
| Tax Assets | $- | $- | $- | $- | $- |
| Other Non-Current Assets | $-403.00K | $227.63M | $132.54M | $121.10M | $40.05M |
| Total Non-Current Assets | $199.81M | $378.05M | $386.99M | $368.45M | $68.39M |
| Other Assets | $1.19B | $- | $- | $- | $- |
| Total Assets | $2.37B | $2.02B | $1.94B | $1.82B | $477.25M |
| Account Payables | $12.38M | $12.61M | $18.71M | $6.56M | $13.78M |
| Short Term Debt | $195.60M | $- | $- | $- | $- |
| Tax Payables | $- | $- | $- | $- | $- |
| Deferred Revenue | $- | $- | $- | $- | $- |
| Other Current Liabilities | $147.49M | $126.81M | $- | $- | $- |
| Total Current Liabilities | $355.48M | $139.42M | $72.87M | $105.16M | $48.11M |
| Long Term Debt | $1.21B | $1.23B | $1.09B | $795.80M | $82.06M |
| Deferred Revenue Non-Current | $- | $- | $- | $- | $- |
| Deferred Tax Liabilities Non-Current | $- | $- | $- | $- | $- |
| Other Non-Current Liabilities | $391.31M | $60.47M | $103.57M | $112.42M | $46.83M |
| Total Non-Current Liabilities | $1.60B | $1.29B | $1.19B | $908.22M | $128.89M |
| Other Liabilities | $-219.61M | $-47.29M | $- | $- | $- |
| Total Liabilities | $1.73B | $1.38B | $1.26B | $1.01B | $177.00M |
| Preferred Stock | $- | $- | $0 | $0 | $- |
| Common Stock | $9.00K | $9.00K | $8.00K | $8.00K | $7.00K |
| Retained Earnings | $-411.16M | $-282.58M | $-42.44M | $66.22M | $-69.22M |
| Accumulated Other Comprehensive Income Loss | $- | $- | $-0 | $-0 | $0 |
| Other Total Stockholders Equity | $1.04B | $917.87M | $714.87M | $740.85M | $369.47M |
| Total Stockholders Equity | $633.22M | $635.30M | $672.43M | $807.08M | $300.25M |
| Total Equity | $633.22M | $635.30M | $672.43M | $807.08M | $300.25M |
| Total Liabilities and Stockholders Equity | $2.37B | $2.02B | $1.94B | $1.82B | $477.25M |
| Minority Interest | $- | $- | $- | $- | $- |
| Total Liabilities and Total Equity | $2.37B | $2.02B | $1.94B | $1.82B | $477.25M |
| Total Investments | $41.25M | $47.21M | $41.25M | $40.00M | $- |
| Total Debt | $1.45B | $1.23B | $1.09B | $795.80M | $82.06M |
| Net Debt | $658.84M | $860.79M | $664.77M | $-190.81M | $-168.76M |
Balance Sheet Charts
| Breakdown | December 31, 2024 | September 30, 2024 | June 30, 2024 | March 31, 2024 | December 31, 2023 | September 30, 2023 | June 30, 2023 | March 31, 2023 | December 31, 2022 | September 30, 2022 | June 30, 2022 | March 31, 2022 | December 31, 2021 | September 30, 2021 | June 30, 2021 | March 31, 2021 | December 31, 2020 | September 30, 2020 | March 31, 2020 | December 31, 2019 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash and Cash Equivalents | $788.42M | $445.27M | $374.79M | $300.53M | $368.40M | $516.58M | $443.67M | $386.94M | $422.41M | $683.97M | $790.43M | $757.83M | $986.61M | $1.04B | $506.29M | $257.02M | $250.82M | $53.23M | $-44.39M | $44.39M |
| Short Term Investments | $41.25M | $2.14M | $41.25M | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $88.78M | $- |
| Cash and Short Term Investments | $829.67M | $486.52M | $374.79M | $300.53M | $368.40M | $516.58M | $443.67M | $386.94M | $422.41M | $683.97M | $790.43M | $757.83M | $986.61M | $1.04B | $506.29M | $257.02M | $250.82M | $53.23M | $44.39M | $44.39M |
| Net Receivables | $126.56M | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| Inventory | $- | $- | $-59.97M | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| Other Current Assets | $28.83M | $19.55M | $1.02B | $1.23B | $1.27B | $1.07B | $907.69M | $1.05B | $1.13B | $849.87M | $752.45M | $859.23M | $465.40M | $270.42M | $206.55M | $152.27M | $158.05M | $202.18M | $- | $302.10M |
| Total Current Assets | $976.26M | $655.77M | $1.39B | $1.53B | $1.64B | $1.59B | $1.35B | $1.44B | $1.55B | $1.53B | $1.54B | $1.62B | $1.45B | $1.31B | $712.84M | $409.29M | $408.87M | $255.41M | $44.39M | $346.49M |
| Property Plant Equipment Net | $82.47M | $84.65M | $59.07M | $62.79M | $66.05M | $92.95M | $96.66M | $100.46M | $103.10M | $103.86M | $105.51M | $105.23M | $106.88M | $77.92M | $21.56M | $21.36M | $22.34M | $18.06M | $- | $20.02M |
| Goodwill | $67.06M | $67.06M | $67.06M | $67.06M | $67.06M | $67.06M | $67.06M | $67.06M | $67.06M | $67.06M | $67.06M | $67.06M | $67.06M | $66.87M | $66.87M | $- | $- | $- | $- | $- |
| Intangible Assets | $9.43M | $9.72M | $39.80M | $39.99M | $42.66M | $44.83M | $30.70M | $44.46M | $43.03M | $41.30M | $38.67M | $36.64M | $33.41M | $31.98M | $30.33M | $6.00M | $6.00M | $4.90M | $- | $2.20M |
| Goodwill and Intangible Assets | $76.49M | $106.18M | $106.86M | $107.05M | $109.72M | $111.89M | $97.76M | $111.52M | $110.09M | $108.36M | $105.73M | $103.70M | $100.47M | $98.84M | $97.20M | $6.00M | $6.00M | $4.90M | $- | $2.20M |
| Long Term Investments | $41.25M | $41.25M | $46.37M | $47.20M | $47.21M | $51.05M | $41.25M | $41.25M | $41.25M | $41.00M | $41.00M | $41.00M | $40.00M | $40.00M | $- | $- | $- | $- | $- | $- |
| Tax Assets | $- | $2.14M | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| Other Non-Current Assets | $-403.00K | $254.70M | $215.03M | $177.24M | $155.08M | $155.75M | $176.68M | $129.39M | $132.54M | $128.24M | $121.90M | $120.60M | $121.10M | $77.49M | $72.99M | $51.94M | $40.05M | $31.43M | $-44.39M | $24.75M |
| Total Non-Current Assets | $199.81M | $486.77M | $427.34M | $394.27M | $378.05M | $411.63M | $412.35M | $382.62M | $386.99M | $381.47M | $374.14M | $370.53M | $368.45M | $294.25M | $191.74M | $79.30M | $68.39M | $54.40M | $-44.39M | $46.97M |
| Other Assets | $1.19B | $666.44M | $- | $- | $- | $- | $- | $- | $- | $- | $1 | $1 | $1 | $- | $1 | $- | $1 | $1 | $- | $1 |
| Total Assets | $2.37B | $1.81B | $1.82B | $1.93B | $2.02B | $2.00B | $1.76B | $1.82B | $1.94B | $1.92B | $1.92B | $1.99B | $1.82B | $1.61B | $904.58M | $488.59M | $477.25M | $309.80M | $- | $393.46M |
| Account Payables | $12.38M | $22.62M | $13.88M | $10.02M | $12.61M | $7.03M | $6.94M | $6.55M | $18.71M | $10.92M | $22.03M | $10.29M | $6.56M | $9.38M | $17.33M | $8.13M | $13.78M | $6.05M | $- | $6.56M |
| Short Term Debt | $195.60M | $3.75M | $7.49M | $362.74M | $- | $- | $296.23M | $11.43M | $- | $- | $6.43M | $9.14M | $- | $1.27M | $- | $3.48M | $- | $75.71M | $- | $84.60M |
| Tax Payables | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| Deferred Revenue | $- | $- | $-258.19M | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| Other Current Liabilities | $147.49M | $72.21M | $49.13M | $-310.28M | $- | $- | $-235.00M | $-11.43M | $- | $- | $-6.43M | $-9.14M | $- | $-1.27M | $- | $-3.48M | $- | $-36.52M | $- | $-91.16M |
| Total Current Liabilities | $355.48M | $98.58M | $70.50M | $62.48M | $92.13M | $58.41M | $68.17M | $57.99M | $72.87M | $71.76M | $95.10M | $102.75M | $105.16M | $77.70M | $83.38M | $50.31M | $48.11M | $37.51M | $- | $39.76M |
| Long Term Debt | $1.21B | $1.04B | $1.08B | $1.18B | $1.23B | $1.25B | $1.03B | $1.09B | $1.09B | $1.02B | $949.99M | $860.13M | $795.80M | $720.12M | $18.70M | $57.03M | $82.06M | $39.72M | $- | $51.07M |
| Deferred Revenue Non-Current | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| Deferred Tax Liabilities Non-Current | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| Other Non-Current Liabilities | $391.31M | $77.57M | $79.75M | $69.89M | $139.98M | $55.90M | $30.51M | $48.02M | $103.57M | $107.71M | $114.86M | $148.20M | $112.42M | $157.54M | $86.41M | $60.66M | $46.83M | $272.18M | $- | $201.77M |
| Total Non-Current Liabilities | $1.60B | $1.11B | $1.16B | $1.25B | $1.29B | $1.30B | $1.06B | $1.14B | $1.19B | $1.12B | $1.06B | $1.01B | $908.22M | $809.34M | $105.11M | $117.69M | $128.89M | $157.09M | $- | $252.85M |
| Other Liabilities | $-219.61M | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| Total Liabilities | $1.73B | $1.21B | $1.23B | $1.31B | $1.38B | $1.36B | $1.13B | $1.19B | $1.26B | $1.20B | $1.16B | $1.11B | $1.01B | $887.04M | $188.49M | $168.00M | $177.00M | $194.59M | $- | $292.60M |
| Preferred Stock | $- | $- | $- | $- | $- | $- | $- | $0 | $0 | $- | $- | $- | $- | $- | $- | $- | $- | $162.55M | $162.55M | $162.55M |
| Common Stock | $9.00K | $9.00K | $9.00K | $9.00K | $9.00K | $9.00K | $8.00K | $8.00K | $8.00K | $8.00K | $8.00K | $9.00K | $8.00K | $8.00K | $8.00K | $7.00K | $7.00K | $2.00K | $- | $2.00K |
| Retained Earnings | $-411.16M | $-408.40M | $-401.64M | $-347.17M | $-282.58M | $-240.18M | $-199.86M | $-171.70M | $-42.44M | $12.82M | $69.04M | $98.91M | $66.22M | $7.28M | $-21.84M | $-59.12M | $-69.22M | $-70.25M | $- | $-75.20M |
| Accumulated Other Comprehensive Income Loss | $- | $- | $- | $- | $- | $- | $-0 | $-0 | $-0 | $-0 | $0 | $0 | $-0 | $0 | $-0 | $-0 | $0 | $- | $-62.71M | $- |
| Other Total Stockholders Equity | $1.04B | $1.00B | $996.35M | $959.96M | $917.87M | $880.93M | $838.00M | $798.90M | $714.87M | $705.74M | $688.02M | $777.58M | $740.85M | $711.80M | $737.92M | $379.70M | $369.47M | $22.91M | $1.03M | $12.49M |
| Total Stockholders Equity | $633.22M | $595.54M | $594.71M | $612.80M | $635.30M | $640.76M | $638.14M | $627.21M | $672.43M | $718.57M | $757.07M | $876.50M | $807.08M | $719.09M | $716.10M | $320.59M | $300.25M | $115.21M | $100.86M | $99.83M |
| Total Equity | $633.22M | $595.54M | $594.71M | $612.80M | $635.30M | $640.76M | $638.14M | $627.21M | $672.43M | $718.57M | $757.07M | $876.50M | $807.08M | $719.09M | $716.10M | $320.59M | $300.25M | $115.21M | $100.86M | $100.86M |
| Total Liabilities and Stockholders Equity | $2.37B | $1.81B | $1.82B | $1.93B | $2.02B | $2.00B | $1.76B | $1.82B | $1.94B | $1.92B | $1.92B | $1.99B | $1.82B | $1.61B | $904.58M | $488.59M | $477.25M | $309.80M | $100.86M | $393.46M |
| Minority Interest | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $1.03M |
| Total Liabilities and Total Equity | $2.37B | $1.81B | $1.82B | $1.93B | $2.02B | $2.00B | $1.76B | $1.82B | $1.94B | $1.92B | $1.92B | $1.99B | $1.82B | $1.61B | $904.58M | $488.59M | $477.25M | $309.80M | $100.86M | $393.46M |
| Total Investments | $41.25M | $43.39M | $46.37M | $47.20M | $47.21M | $51.05M | $41.25M | $41.25M | $41.25M | $41.00M | $41.00M | $41.00M | $40.00M | $40.00M | $- | $- | $- | $- | $88.78M | $- |
| Total Debt | $1.45B | $1.04B | $1.08B | $1.18B | $1.23B | $1.25B | $1.01B | $1.09B | $1.09B | $1.02B | $949.99M | $860.13M | $795.80M | $720.12M | $21.43M | $57.03M | $82.06M | $115.43M | $- | $231.78M |
| Net Debt | $658.84M | $595.78M | $700.47M | $881.97M | $860.79M | $730.12M | $566.17M | $701.55M | $664.77M | $333.30M | $159.56M | $102.31M | $-190.81M | $-321.34M | $-484.86M | $-199.99M | $-168.76M | $62.19M | $44.39M | $187.39M |
Annual Cash Flow
| Breakdown | December 31, 2024 | December 31, 2023 | December 31, 2022 | December 31, 2021 | December 31, 2020 |
|---|---|---|---|---|---|
| Net Income | $-128.58M | $-240.13M | $-108.67M | $135.44M | $5.58M |
| Depreciation and Amortization | $20.55M | $24.90M | $13.51M | $7.54M | $2.28M |
| Deferred Income Tax | $- | $- | $- | $-228.00K | $29.05M |
| Stock Based Compensation | $133.40M | $175.04M | $125.94M | $73.19M | $11.51M |
| Change in Working Capital | $34.63M | $-334.47M | $-21.87M | $55.24M | $18.25M |
| Accounts Receivables | $- | $- | $- | $- | $- |
| Inventory | $- | $- | $- | $- | $- |
| Accounts Payables | $- | $-6.13M | $11.88M | $-7.51M | $7.03M |
| Other Working Capital | $34.63M | $-328.35M | $-33.74M | $62.76M | $11.22M |
| Other Non Cash Items | $126.34M | $214.17M | $-683.61M | $-102.83M | $-50.98M |
| Net Cash Provided by Operating Activities | $186.33M | $-160.49M | $-674.68M | $168.35M | $15.70M |
| Investments in Property Plant and Equipment | $-837.00K | $-1.53M | $-22.91M | $-15.12M | $-5.61M |
| Acquisitions Net | $- | $- | $-16.76M | $-16.76M | $-87.69M |
| Purchases of Investments | $-63.28M | $-157.22M | $-1.25M | $-40.00M | $-9.65M |
| Sales Maturities of Investments | $- | $103.42M | $14.29M | $-90.15M | $97.34M |
| Other Investing Activities | $-173.60M | $-63.12M | $-87.49M | $18.15M | $142.12M |
| Net Cash Used for Investing Activities | $-237.73M | $-118.45M | $-114.12M | $-143.88M | $136.52M |
| Debt Repayment | $562.66M | $192.97M | $287.92M | $647.11M | $-82.18M |
| Common Stock Issued | $- | $178.20M | $- | $263.93M | $159.49M |
| Common Stock Repurchased | $-22.00K | $-15.00K | $-177.88M | $- | $- |
| Dividends Paid | $- | $- | $- | $- | $- |
| Other Financing Activities | $-2.76M | $21.30M | $20.00M | $-55.60M | $1.75M |
| Net Cash Used Provided by Financing Activities | $559.87M | $214.27M | $130.03M | $855.43M | $79.05M |
| Effect of Forex Changes on Cash | $- | $- | $- | $- | $- |
| Net Change in Cash | $508.48M | $-64.68M | $-658.77M | $879.91M | $231.27M |
| Cash at End of Period | $976.26M | $467.79M | $532.47M | $1.19B | $311.33M |
| Cash at Beginning of Period | $467.79M | $532.47M | $1.19B | $311.33M | $80.07M |
| Operating Cash Flow | $186.33M | $-160.49M | $-674.68M | $168.35M | $15.70M |
| Capital Expenditure | $-837.00K | $-1.53M | $-22.91M | $-15.12M | $-5.61M |
| Free Cash Flow | $185.49M | $-172.58M | $-697.59M | $153.24M | $10.09M |
Cash Flow Charts
| Breakdown | December 31, 2024 | September 30, 2024 | June 30, 2024 | March 31, 2024 | December 31, 2023 | September 30, 2023 | June 30, 2023 | March 31, 2023 | December 31, 2022 | September 30, 2022 | June 30, 2022 | March 31, 2022 | December 31, 2021 | September 30, 2021 | June 30, 2021 | March 31, 2021 | December 31, 2020 | September 30, 2020 | June 30, 2020 | March 31, 2020 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | $-2.75M | $-6.76M | $-54.47M | $-64.60M | $-42.40M | $-40.31M | $-28.16M | $-129.25M | $-55.26M | $-56.22M | $-29.87M | $32.69M | $58.94M | $29.11M | $37.28M | $10.10M | $1.03M | $9.67M | $-6.11M | $992.00K |
| Depreciation and Amortization | $4.70M | $5.39M | $4.83M | $5.63M | $9.10M | $4.93M | $4.42M | $6.44M | $3.65M | $3.72M | $3.35M | $2.78M | $2.56M | $2.19M | $1.98M | $816.00K | $647.00K | $581.00K | $535.00K | $515.00K |
| Deferred Income Tax | $- | $- | $- | $- | $63.00K | $52.68M | $39.59M | $- | $- | $- | $- | $- | $5.61M | $-1.67M | $-5.07M | $901.00K | $10.25M | $4.54M | $2.27M | $11.99M |
| Stock Based Compensation | $29.80M | $33.62M | $34.21M | $35.78M | $32.77M | $35.57M | $32.60M | $74.11M | $33.91M | $36.66M | $30.33M | $25.05M | $23.06M | $20.32M | $21.19M | $8.62M | $4.41M | $2.62M | $2.52M | $1.97M |
| Change in Working Capital | $18.69M | $23.74M | $31.22M | $20.64M | $-222.56M | $14.33M | $-3.35M | $-79.53M | $-2.48M | $-26.08M | $-27.66M | $34.35M | $12.91M | $2.92M | $39.38M | $29.00K | $8.17M | $3.00M | $11.83M | $-11.77M |
| Accounts Receivables | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| Inventory | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| Accounts Payables | $- | $- | $- | $- | $5.57M | $87.00K | $384.00K | $-12.17M | $8.43M | $-11.63M | $11.71M | $3.37M | $-2.96M | $-7.94M | $9.19M | $-5.81M | $7.62M | $2.75M | $-338.00K | $-3.00M |
| Other Working Capital | $18.69M | $23.74M | $31.22M | $20.64M | $-228.13M | $14.24M | $-3.73M | $-67.36M | $-10.91M | $-14.45M | $-39.37M | $30.98M | $15.87M | $10.86M | $30.19M | $5.84M | $547.00K | $254.00K | $12.17M | $-8.76M |
| Other Non Cash Items | $-161.36M | $123.35M | $93.37M | $102.22M | $79.31M | $-170.63M | $117.28M | $52.51M | $-232.70M | $-59.44M | $-29.80M | $-361.67M | $-114.23M | $-9.27M | $-1.96M | $22.62M | $44.01M | $-2.69M | $4.94M | $-90.22M |
| Net Cash Provided by Operating Activities | $-110.93M | $179.34M | $65.30M | $52.62M | $-143.71M | $-103.43M | $162.38M | $-75.73M | $-252.88M | $-101.37M | $-53.64M | $-266.80M | $-11.14M | $43.60M | $92.80M | $43.09M | $68.51M | $17.72M | $15.98M | $-86.52M |
| Investments in Property Plant and Equipment | $-3.42M | $3.24M | $-2.33M | $-1.75M | $-1.67M | $-2.95M | $-2.02M | $-5.46M | $-4.98M | $-5.52M | $-7.12M | $-5.29M | $-5.68M | $-5.29M | $-3.54M | $-601.00K | $-1.36M | $-1.68M | $-1.20M | $-1.37M |
| Acquisitions Net | $- | $61.52M | $-43.40M | $-18.11M | $-17.39M | $-13.08M | $-26.43M | $-24.42M | $-16.76M | $20.32M | $- | $- | $-196.00K | $- | $-16.56M | $2.67M | $-82.16M | $- | $- | $- |
| Purchases of Investments | $- | $-85.64M | $-64.79M | $-46.15M | $-35.93M | $-13.08M | $-26.43M | $-46.38M | $-250.00K | $-41.42M | $-13.88M | $-1.00M | $-9.65M | $-90.19M | $-29.60M | $-12.95M | $-9.65M | $- | $- | $- |
| Sales Maturities of Investments | $- | $- | $32.97M | $27.24M | $24.32M | $28.67M | $26.00M | $24.42M | $14.21M | $21.10M | $83.00K | $9.40M | $97.34M | $8.31M | $5.88M | $8.33M | $97.34M | $- | $- | $- |
| Other Investing Activities | $-74.49M | $-25.29M | $1.46M | $1.23M | $772.00K | $-23.79M | $-9.63M | $25.99M | $-77.33M | $-18.73M | $10.97M | $11.46M | $-101.58M | $-79.11M | $-37.06M | $3.45M | $4.64M | $5.79M | $16.06M | $110.11M |
| Net Cash Used for Investing Activities | $-77.91M | $-46.17M | $-76.10M | $-37.55M | $-29.89M | $-24.22M | $-38.49M | $-25.85M | $-85.11M | $-24.25M | $-9.94M | $5.18M | $-19.78M | $-84.40M | $-40.60M | $902.00K | $8.81M | $4.11M | $14.86M | $108.74M |
| Debt Repayment | $502.69M | $-9.43M | $113.54M | $-49.48M | $22.97M | $227.28M | $-70.98M | $13.71M | $66.72M | $61.60M | $86.57M | $73.01M | $45.44M | $658.29M | $-35.87M | $-20.75M | $-37.98M | $-7.22M | $-7.07M | $-29.91M |
| Common Stock Issued | $- | $-6.78M | $- | $- | $160.29M | $5.51M | $- | $7.26M | $- | $- | $- | $10.06M | $4.96M | $10.99M | $1.44M | $1.49M | $- | $- | $- | $- |
| Common Stock Repurchased | $-3.00K | $2.00K | $- | $- | $-9.00K | $- | $-1.00K | $-5.00K | $-27.81M | $-25.03M | $-125.04M | $4.43M | $- | $- | $-236.00K | $- | $- | $- | $- | $- |
| Dividends Paid | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| Other Financing Activities | $6.64M | $-28.59M | $17.71M | $-1.00K | $3.40M | $5.51M | $5.13M | $7.26M | $1.62M | $4.54M | $3.78M | $10.06M | $4.96M | $-63.26M | $265.13M | $1.49M | $161.35M | $307.00K | $-223.00K | $-196.00K |
| Net Cash Used Provided by Financing Activities | $509.33M | $-38.02M | $132.27M | $-43.71M | $26.36M | $232.78M | $-65.85M | $20.97M | $40.53M | $41.12M | $-34.69M | $83.07M | $50.40M | $595.03M | $229.26M | $-19.26M | $123.36M | $-6.92M | $-7.29M | $-30.11M |
| Effect of Forex Changes on Cash | $- | $- | $- | $- | $147.42M | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| Net Change in Cash | $320.50M | $95.15M | $121.47M | $-28.64M | $-147.24M | $105.14M | $58.03M | $-80.61M | $-297.46M | $-84.50M | $-98.27M | $-178.55M | $19.48M | $554.23M | $281.47M | $24.73M | $200.69M | $14.92M | $23.55M | $-7.89M |
| Cash at End of Period | $976.26M | $655.77M | $560.62M | $439.15M | $467.79M | $615.03M | $509.89M | $451.86M | $532.47M | $829.93M | $914.42M | $1.01B | $1.19B | $1.17B | $617.53M | $336.07M | $311.33M | $110.65M | $95.73M | $72.18M |
| Cash at Beginning of Period | $655.77M | $560.62M | $439.15M | $467.79M | $615.03M | $509.89M | $451.86M | $532.47M | $829.93M | $914.42M | $1.01B | $1.19B | $1.17B | $617.53M | $336.07M | $311.33M | $110.65M | $95.73M | $72.18M | $80.07M |
| Operating Cash Flow | $-110.93M | $179.34M | $65.30M | $52.62M | $-143.71M | $-103.43M | $162.38M | $-75.73M | $-252.88M | $-101.37M | $-53.64M | $-266.80M | $-11.14M | $43.60M | $92.80M | $43.09M | $68.51M | $17.72M | $15.98M | $-86.52M |
| Capital Expenditure | $-3.42M | $-116.00K | $-2.33M | $-1.75M | $-1.67M | $-2.95M | $-2.02M | $-5.46M | $-4.98M | $-5.52M | $-7.12M | $-5.29M | $-5.68M | $-5.29M | $-3.54M | $-601.00K | $-1.36M | $-1.68M | $-1.20M | $-1.37M |
| Free Cash Flow | $-114.34M | $176.85M | $62.97M | $50.87M | $-145.38M | $-106.38M | $160.36M | $-81.19M | $-257.86M | $-106.89M | $-60.76M | $-272.08M | $-16.83M | $38.31M | $89.26M | $42.49M | $67.16M | $16.04M | $14.78M | $-87.89M |
Upstart Holdings Dividends
Explore Upstart Holdings's dividend history, including dividend yield, payout ratio, and historical payments.
Upstart Holdings News
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Upstart has shown strong execution, with improved underwriting algorithms boosting top-line growth. The company has seen revenue growth accelerate and management expects further acceleration into 2025. This acceleration in growth is expected to coincide with a return to GAAP profitability.
Nasdaq Correction: 2 AI Stocks Down 33% and 86% to Buy Before They Soar, According to Wall Street
The Nasdaq Composite (^IXIC 2.27%) has spent much of March more than 10% off its all-time high, which put the index in correction territory. But Wall Street analysts see that drawdown an opportunity to buy shares of Arm Holdings (ARM 4.93%) and Upstart Holdings (UPST 6.25%).
This Stock Dropped 47% in the Past 4 Weeks and Could Be a No-Brainer Buy During the Nasdaq Correction
Financial technology company Upstart (UPST -11.71%) has taken investors on quite a bumpy ride over the past year or so. After falling dramatically in the post-pandemic years, Upstart's stock price more than quadrupled from its 52-week low after three consecutive strong earnings reports.
3 Scorching-Hot Artificial Intelligence (AI) Stocks With 95% to 167% Upside, According to Select Wall Street Analysts
For much of the last two-and-a-half years, optimists have held the reins on Wall Street. Over that time, the ageless Dow Jones Industrial Average, widely followed S&P 500, and growth-centric Nasdaq Composite have all rallied to multiple record-closing highs.
Upstart Holdings, Inc. (UPST) The Citizens JMP Technology Conference (Transcript)
Upstart Holdings, Inc. (NASDAQ:UPST ) The Citizens JMP Technology Conference Call March 3, 2025 2:00 PM ET Company Participants Sanjay Datta - Chief Financial Officer Unidentified Analyst It's a pleasure to have CFO, Sanjay Datta here again with us from Upstart Holdings. And really one of sort of the pioneers in digital lending and this is the part where I just turn it over to you so you can have your own commercial.
Evaluating Upstart: A Cautious Path To Investment In Uncertain Times
Upstart Holdings' AI-driven credit risk models have shown significant improvements, increasing loan approvals by 101% and reducing APR by 38%. Its advanced AI models and reduced macroeconomic headwinds position it for future revenue growth. The company is currently unprofitable, but management forecasts a breakeven net income for the full year 2025.
Upstart: You Have Seen Nothing Yet
Upstart Holdings reported a surprising Q4 profit, driven by strong private credit demand and a robust U.S. economy, leading to an upside stock breakout. The fintech anticipates GAAP profitability in 2025, with sales expected to jump 57% YoY to $1.0 billion, supported by lower interest rates. Upstart Holdings' adjusted EBITDA margin is forecasted to improve from 2% in 2024 to 18% in 2025, reflecting substantial profit growth potential.
This AI Stock Is Up 200% in the Past 12 Months. Should You Buy It Now While It's Under $80?
It has been more than two years since OpenAI released ChatGPT to the world. Given how much artificial intelligence (AI) continues to make headlines and grab attention, it's probably safe to say that this technology isn't going anywhere.
Is Upstart Stock a Buy Now?
Upstart (UPST -9.39%) capped off a transformational 2024 with a blowout fourth-quarter earnings report. The financial technology (fintech) innovator exceeded Wall Street expectations by posting 56% year-over-year revenue growth for the period that ended Dec. 31, with the pace accelerating from the prior quarter.
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