UPST
Upstart Holdings, Inc.
NASDAQ · Financial Services · Financial - Credit Services · US
$25.00
+0.93%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 1.3B | 1.1B | 677.0M | 547.7M | 853.3M |
| Cost of Revenue | 59.6M | 51.5M | 48.1M | 39.6M | 15.5M |
| Gross Profit | 1.2B | 1.0B | 628.8M | 508.1M | 837.8M |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 891.5M | 743.6M | 555.7M | 489.9M | 719.1M |
| General & Admin Expense | 503.1M | 442.1M | 388.9M | 362.8M | 373.3M |
| Selling & Marketing Expense | 388.4M | 301.5M | 166.8M | 127.1M | 345.8M |
| Other Expenses | 273.1M | 226.0M | 201.5M | 258.2M | 227.8M |
| Total Operating Expenses | 1.2B | 969.7M | 757.2M | 748.1M | 946.8M |
| Cost and Expenses | 1.2B | 1.0B | 805.4M | 787.7M | 962.4M |
| Operating Income (EBIT) | 61.7M | 54.3M | (128.4M) | (240.0M) | (109.1M) |
| Non-Operating | |||||
| Interest Income | 231.2M | 204.2M | 186.4M | 169.0M | 105.6M |
| Interest Expense | 59.6M | 51.5M | 48.1M | 39.6M | 15.5M |
| Net Interest Income | 171.5M | 152.7M | 138.2M | 129.4M | 90.1M |
| Other Non-Op Income/Expense | — | — | — | — | — |
| Non-Operating Income (excl Interest) | — | — | — | — | — |
| EBT (Pre-Tax Income) | 61.7M | 54.3M | (128.4M) | (240.0M) | (109.1M) |
| Income Tax Expense | 1.3M | 728.0K | 185.0K | 107.0K | (409.0K) |
| Bottom Line | |||||
| Net Income | 60.3M | 53.6M | (128.6M) | (240.1M) | (108.7M) |
| Earnings from Cont. Ops | 60.3M | 53.6M | (128.6M) | (240.1M) | (108.7M) |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 61.0M | 53.6M | (128.6M) | (240.1M) | (108.7M) |
| Per Share | |||||
| Basic EPS | $0.62 | $0.56 | ($1.44) | ($2.87) | ($1.31) |
| Diluted EPS | $0.51 | $0.45 | ($1.44) | ($2.87) | ($1.31) |
| Revenue Per Share | $13.32 | $11.20 | $7.57 | $6.54 | $10.31 |
| Shares | |||||
| Basic Shares Outstanding | 96.6M | 96.0M | 89.5M | 83.8M | 82.8M |
| Diluted Shares Outstanding | 109.7M | 107.5M | 89.5M | 83.8M | 82.8M |
| Profitability Metrics | |||||
| EBITDA | 87.3M | 79.2M | (107.8M) | (215.1M) | (95.6M) |
| D&A | 25.6M | 24.8M | 20.5M | 24.9M | 13.5M |
| EBIT | 61.7M | 54.3M | (128.4M) | (240.0M) | (109.1M) |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Jun 1, 2026