Upstart Holdings, Inc. (BMV:UPST)
500.00
-10.23 (-2.00%)
At close: Mar 5, 2026
Upstart Holdings Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2020 - 2017 |
|---|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | 2020 - 2017 |
| Operating Revenue | 950.01 | 635.47 | 560.43 | 907.27 | 801.28 | Upgrade
|
| Other Revenue | 125.51 | 41.5 | -11.98 | -53.99 | 50.59 | Upgrade
|
| Revenue | 1,076 | 676.96 | 548.46 | 853.29 | 851.86 | Upgrade
|
| Revenue Growth (YoY) | 58.88% | 23.43% | -35.72% | 0.17% | 252.82% | Upgrade
|
| Cost of Revenue | 188.38 | 158 | 150.42 | 187.99 | 117.58 | Upgrade
|
| Gross Profit | 887.14 | 518.97 | 398.04 | 665.29 | 734.28 | Upgrade
|
| Selling, General & Admin | 555.25 | 397.74 | 339.53 | 531.07 | 454.89 | Upgrade
|
| Research & Development | 257.6 | 253.65 | 280.14 | 237.25 | 134 | Upgrade
|
| Operating Expenses | 812.85 | 651.39 | 619.67 | 768.31 | 588.89 | Upgrade
|
| Operating Income | 74.3 | -132.42 | -221.63 | -103.02 | 145.39 | Upgrade
|
| Interest Expense | -31.66 | -43.63 | -37.99 | -13.84 | -4.67 | Upgrade
|
| Interest & Investment Income | 24.32 | 18.79 | 21.21 | 9.47 | - | Upgrade
|
| Other Non Operating Income (Expenses) | -19.87 | -4.49 | -1.61 | -1.68 | -5.75 | Upgrade
|
| EBT Excluding Unusual Items | 47.08 | -161.76 | -240.03 | -109.07 | 134.97 | Upgrade
|
| Merger & Restructuring Charges | - | - | - | - | -1.24 | Upgrade
|
| Other Unusual Items | 7.25 | 33.36 | - | - | - | Upgrade
|
| Pretax Income | 54.33 | -128.4 | -240.03 | -109.07 | 133.73 | Upgrade
|
| Income Tax Expense | 0.73 | 0.19 | 0.11 | -0.41 | -1.71 | Upgrade
|
| Earnings From Continuing Operations | 53.6 | -128.58 | -240.13 | -108.67 | 135.44 | Upgrade
|
| Net Income | 53.6 | -128.58 | -240.13 | -108.67 | 135.44 | Upgrade
|
| Net Income to Common | 53.6 | -128.58 | -240.13 | -108.67 | 135.44 | Upgrade
|
| Net Income Growth | - | - | - | - | 2163.80% | Upgrade
|
| Shares Outstanding (Basic) | 96 | 89 | 84 | 83 | 78 | Upgrade
|
| Shares Outstanding (Diluted) | 107 | 89 | 84 | 83 | 95 | Upgrade
|
| Shares Change (YoY) | 20.17% | 6.79% | 1.20% | -12.66% | 441.13% | Upgrade
|
| EPS (Basic) | 0.56 | -1.44 | -2.87 | -1.31 | 1.73 | Upgrade
|
| EPS (Diluted) | 0.45 | -1.44 | -2.87 | -1.31 | 1.43 | Upgrade
|
| Free Cash Flow | -148.07 | 185.49 | -113.24 | -666.69 | 159.93 | Upgrade
|
| Free Cash Flow Per Share | -1.38 | 2.07 | -1.35 | -8.05 | 1.69 | Upgrade
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| Gross Margin | 82.48% | 76.66% | 72.57% | 77.97% | 86.20% | Upgrade
|
| Operating Margin | 6.91% | -19.56% | -40.41% | -12.07% | 17.07% | Upgrade
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| Profit Margin | 4.98% | -18.99% | -43.78% | -12.73% | 15.90% | Upgrade
|
| Free Cash Flow Margin | -13.77% | 27.40% | -20.65% | -78.13% | 18.77% | Upgrade
|
| EBITDA | 99.13 | -111.87 | -196.73 | -89.51 | 152.93 | Upgrade
|
| EBITDA Margin | 9.22% | -16.53% | -35.87% | -10.49% | 17.95% | Upgrade
|
| D&A For EBITDA | 24.84 | 20.55 | 24.9 | 13.51 | 7.54 | Upgrade
|
| EBIT | 74.3 | -132.42 | -221.63 | -103.02 | 145.39 | Upgrade
|
| EBIT Margin | 6.91% | -19.56% | -40.41% | -12.07% | 17.07% | Upgrade
|
| Effective Tax Rate | 1.34% | - | - | - | - | Upgrade
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| Revenue as Reported | 1,044 | 636.53 | 513.56 | 842.44 | 848.59 | Upgrade
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Source: S&P Capital IQ. Standard template. Financial Sources.