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    Upstart Holdings (UPST) stock price & financials

    View UPST earnings calls

    Overview

    Price

    Market Cap

    Sector

    Rank

    Performance58.2% 1Y

    Financials

    Income Statement

    Financial Trajectories

    11
    Quarterly
    MetricQ3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26Trend
    EarningsRevenue
    $162.14M
    $218.96M
    $213.37M
    $257.29M
    $277.11M
    +70.9%
    $296.09M
    +35.2%
    $308.21M
    +44.4%
    $364.71M
    +41.7%
    Strengthening
    Operating Profit
    -$45.15M
    -$4.75M
    -$4.50M
    $4.54M
    $23.67M
    $18.92M
    -$7.52M
    -67.2%
    $14.64M
    +222.3%
    Strengthening
    Net Profit
    -$6.76M
    -$2.75M
    -$2.45M
    $5.61M
    $31.80M
    $18.64M
    -$6.65M
    -171.6%
    $16.54M
    +195.0%
    Strengthening
    EPS
    $-0.07
    $-0.03
    $0.06
    $0.33
    $-0.07
    -133.3%
    $0.17
    +183.3%
    Strengthening
    Other Income
    Interest
    Depreciation
    Profit before Tax
    MarginsOPM
    -27.9%
    -2.2%
    -2.1%
    1.8%
    8.5%
    6.4%
    -2.4%
    -15.6%
    4.0%
    +126.6%
    Strengthening
    Tax
    ReturnsROIC
    1.9%
    0.8%
    0.7%
    -1.6%
    -9.1%
    -570.6%
    -5.4%
    -776.4%
    1.9%
    +171.6%
    -4.8%
    -195.0%
    Weakening

    Balance Sheet

    Balance Sheet

    USD · Annual
    Line itemFY19FY20FY21FY22FY23FY24FY25TTM
    AssetsCash & Equivalents$80.07M$311.33M$1.19B$532.47M$368.40M$788.42M$652.39M$455.96M
    Short-Term Investments
    Total Current Assets
    Net PP&E$28.34M$120.38M$130.50M$97.35M$82.47M$60.58M$68.20M
    Goodwill$0$67.06M$67.06M$67.06M$67.06M$67.06M$67.06M
    Intangibles$0$19.91M$15.63M$11.36M$9.43M$8.29M$7.72M
    Total Assets$477.25M$1.82B$1.94B$2.02B$2.37B$2.97B$3.17B
    LiabilitiesTotal Current Liabilities
    Short-Term Debt
    Long-Term Debt
    Long-Term Leases
    Total Liabilities$177.00M$1.01B$1.26B$1.38B$1.73B$2.18B$2.37B
    EquityCommon Stock & APIC$7.0K$8.0K$8.0K$9.0K$9.0K$10.0K$10.0K
    Retained Earnings-$69.22M$66.22M-$42.44M-$282.58M-$411.16M-$357.56M-$347.66M
    Total Equity-$61.69M$300.25M$807.08M$672.43M$635.30M$633.22M$798.82M$797.49M
    HighlightsNet Cash / (Debt)

    Cash Flow

    Cash Flow

    USD · Annual
    Line itemFY19FY20FY21FY22FY23FY24FY25TTM
    ActivitiesCash from Operating$31.58M$15.70M$168.35M-$657.86M-$111.71M$186.33M-$147.72M-$284.01M
    Cash from Investing$45.43M$136.52M-$143.88M-$114.13M-$118.45M-$237.73M-$177.17M$106.19M
    Cash from Financing-$119.19M$79.05M$855.43M$113.21M$165.49M$559.87M$405.64M$458.63M
    SummaryCapital Expenditure-$4.00M-$1.35M-$8.43M-$8.82M-$1.53M-$837.0K-$347.0K-$5.04M
    Free Cash Flow$27.58M$14.34M$159.93M-$666.68M-$113.24M$185.49M-$148.07M-$289.05M
    FCF Margin16.8%6.1%18.8%-79.1%-22.0%29.1%-14.2%-23.2%

    Ratios