Upstart Holdings, Inc. Detailed Financials
Full historical quarterly statements
| Metric | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | 308.2M | 304.2M | 285.9M | 265.1M | 220.4M | 226.4M | 173.0M | 139.1M |
| Cost of Goods Sold | 5.9M | 27.9M | 8.8M | 7.8M | 7.0M | 15.1M | 10.8M | 11.5M |
| Gross Profit | 302.4M | 276.2M | 277.1M | 257.3M | 213.4M | 211.3M | 162.1M | 127.6M |
| R&D Expenses | 80.1M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Operating Expenses | 309.9M | 257.1M | 245.2M | 251.6M | 215.8M | 213.9M | 168.9M | 182.1M |
| Operating Income | -7.5M | 19.2M | 31.9M | 5.7M | -2.4M | -2.6M | -6.7M | -54.5M |
| Other Income / Gains | 956K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Income | -6.6M | 18.6M | 31.8M | 5.6M | -2.4M | -2.8M | -6.8M | -54.5M |
| EPS (Diluted) | -0.069 | 0.19 | 0.33 | 0.059 | -0.026 | -0.03 | -0.075 | -0.62 |
| Reported Currency | USD | USD | USD | USD | USD | USD | USD | USD |
| Gross Profit Ratio | 0.981 | 0.908 | 0.969 | 0.971 | 0.968 | 0.933 | 0.937 | 0.918 |
| General And Administrative Expenses | 76.1M | 119.7M | 110.6M | 110.8M | 101.1M | 101.0M | 99.2M | 91.7M |
| Selling And Marketing Expenses | 104.5M | 90.6M | 78.8M | 73.1M | 59.0M | 55.5M | 43.2M | 33.0M |
| Selling General And Administrative Expenses | 180.5M | 210.3M | 189.4M | 183.9M | 160.0M | 156.5M | 142.4M | 124.7M |
| Other Expenses | 49.2M | 46.8M | 55.8M | 67.7M | 55.8M | 57.4M | 26.4M | 57.4M |
| Cost And Expenses | 315.7M | 285.0M | 254.0M | 259.4M | 222.8M | 229.0M | 179.7M | 193.6M |
| Interest Income | 0 | 60.8M | 57.2M | 45.6M | 40.6M | 41.5M | 40.8M | 52.9M |
| Interest Expense | -10.4M | 27.9M | 8.8M | 7.8M | 7.0M | 15.1M | 10.8M | 11.5M |
| Depreciation And Amortization | 5.9M | 6.5M | 6.1M | 5.8M | 6.4M | 4.7M | 5.4M | 4.8M |
| Ebitda | -1.7M | 25.6M | 38.1M | 11.5M | 4.0M | 2.1M | -1.3M | -49.6M |
| Ebitdaratio | -0.005 | 0.084 | 0.133 | 0.043 | 0.018 | 0.009 | -0.008 | -0.357 |
| Operating Income Ratio | -0.024 | 0.063 | 0.112 | 0.021 | -0.011 | -0.012 | -0.039 | -0.391 |
| Income Before Tax | -6.6M | 19.2M | 31.9M | 5.7M | -2.4M | -2.6M | -6.7M | -54.5M |
| Income Before Tax Ratio | -0.021 | 0.063 | 0.112 | 0.021 | -0.011 | -0.012 | -0.039 | -0.391 |
| Income Tax Expense | 84K | 526K | 124K | 49K | 29K | 111K | 45K | 15K |
| Net Income Ratio | -0.022 | 0.061 | 0.111 | 0.021 | -0.011 | -0.012 | -0.039 | -0.392 |
| Epsdiluted | -0.069 | 0.17 | 0.25 | 0.055 | -0.026 | -0.03 | -0.075 | -0.62 |
| Weighted Average Shs Out | 96.9M | 97.6M | 96.7M | 95.5M | 94.3M | 92.2M | 90.1M | 88.4M |
| Weighted Average Shs Out Dil | 96.9M | 112.2M | 109.7M | 102.9M | 94.3M | 92.2M | 90.1M | 88.4M |