Upstart Inc. (UPST)

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48.65

1.94 (4.15%)

At close: Apr 25, 2025, 3:59 PM

49.00

0.73%

Pre-market: Apr 28, 2025, 07:52 AM EDT

Upstart Income Statement

Financials in USD. Fiscal year is January - December.

Fiscal Year	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021	Q2 2021	Q1 2021	Q4 2020	Q3 2020	Q2 2020	Q1 2020	Q4 2019	Q3 2019
Period Ending	Dec 31, 2024	Sep 30, 2024	Jun 30, 2024	Mar 31, 2024	Dec 31, 2023	Sep 30, 2023	Jun 30, 2023	Mar 31, 2023	Dec 31, 2022	Sep 30, 2022	Jun 30, 2022	Mar 31, 2022	Dec 31, 2021	Sep 30, 2021	Jun 30, 2021	Mar 31, 2021	Dec 31, 2020	Sep 30, 2020	Jun 30, 2020	Mar 31, 2020	Dec 31, 2019	Sep 30, 2019
Revenue	628.83M	552.43M	524.85M	532.99M	508.12M	515.48M	538.15M	630.55M	837.76M	999.21M	1.07B	1.04B	847.42M	621.4M	455.73M	279.11M	222.05M	208.18M	194.9M	177.56M	113.28M	49.49M
Cost of Revenue	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	6.69M	6.69M	6.69M	6.69M
Gross Profit	628.83M	552.43M	524.85M	532.99M	508.12M	515.48M	538.15M	630.55M	837.76M	999.21M	1.07B	1.04B	847.42M	621.4M	455.73M	279.11M	222.05M	208.18M	188.21M	170.87M	106.59M	42.8M
Operating Income	-172.86M	-215.61M	-214.3M	-192.16M	-256.52M	-267.52M	-281.77M	-280.53M	-113.86M	5.05M	91.74M	160.14M	140.88M	90.86M	74.47M	26.79M	11.77M	4.89M	-5.33M	6.06M	5.5M	1.99M
Interest Income	186.36M	196.97M	193.82M	174.85M	169M	156.22M	140.7M	135.76M	105.58M	74.9M	57.79M	32.36M	20.63M	15.72M	16.45M	20.63M	26.41M	34.72M	28.92M	21.2M	12.01M	n/a
Pretax Income	-128.4M	-168.09M	-201.68M	-175.37M	-240.03M	-253.42M	-269.32M	-271.02M	-109.07M	5.92M	89.98M	156.12M	133.73M	75.86M	57.69M	15.28M	5.95M	9.49M	-383K	5.73M	4.73M	-205K
Net Income	-128.58M	-168.22M	-201.78M	-175.48M	-240.13M	-253M	-268.9M	-270.61M	-108.67M	5.54M	90.88M	158.03M	135.44M	77.53M	58.08M	14.61M	5.98M	11.01M	1.02M	7.21M	5.73M	-322K
Selling & General & Admin	555.73M	529.9M	510.96M	497.43M	489.95M	500.67M	526.35M	618.44M	719.06M	774.38M	788M	710.98M	572.46M	437.92M	318.34M	213.21M	182.85M	172.44M	165M	143.93M	87.51M	35.75M
Research & Development	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	5.06M	5.06M	5.06M	5.06M
Other Expenses	201.5M	190.62M	215.57M	210.93M	258.19M	268.23M	281.13M	283.13M	227.77M	218.91M	192.45M	169.11M	141.23M	107.62M	79.7M	50.62M	33.25M	26.25M	16.33M	13.96M	7.09M	n/a
Operating Expenses	757.23M	720.52M	726.53M	708.36M	748.14M	768.9M	807.48M	901.57M	946.83M	993.29M	980.45M	880.09M	713.69M	545.54M	398.04M	263.83M	216.1M	198.69M	188.59M	165.15M	101.86M	43M
Interest Expense	48.13M	47.07M	45.66M	38.48M	34.89M	25.35M	18.98M	17.02M	10.84M	6.8M	4.02M	3.2M	3.27M	3.87M	5.04M	5.8M	8.03M	11.31M	9.87M	7.61M	4.36M	n/a
Selling & Marketing Expenses	166.8M	150.11M	139.92M	130.85M	127.14M	139.12M	162.44M	243.76M	345.78M	409.84M	446.82M	417.53M	333.45M	253.18M	183.56M	113.08M	99.66M	97.05M	100.66M	95.22M	59.27M	27.33M
Cost & Expenses	757.23M	720.52M	726.53M	708.36M	748.14M	768.9M	807.48M	901.57M	946.83M	993.29M	980.45M	880.09M	713.69M	545.54M	398.04M	263.83M	216.1M	198.69M	195.28M	171.84M	108.54M	49.69M
Income Tax Expense	185K	137K	102K	105K	107K	-420K	-418K	-412K	-409K	378K	-902K	-1.91M	-1.71M	-1.66M	-396K	592K	371K	74K	191K	191K	191K	117K
Shares Outstanding (Basic)	92.17M	90.12M	88.44M	87.03M	85.57M	84.4M	83.13M	81.91M	82.23M	81.48M	82.97M	95.46M	98.29M	96.06M	94.8M	91.45M	26M	17.56M	11.46M	14.63M	14.4M	14.31M
Shares Outstanding (Diluted)	92.17M	90.12M	88.44M	87.03M	85.57M	84.4M	83.13M	81.91M	82.23M	81.67M	83.83M	95.46M	98.8M	97.04M	95.6M	91.84M	26M	26.75M	14.66M	14.72M	14.4M	14.31M
EPS (Basic)	-1.46	-1.93	-2.34	-2.06	-2.9	-3.07	-3.28	-3.3	-1.38	n/a	1.06	1.91	1.71	1.04	0.79	0.02	-0.02	0.36	0.22	0.50	0.40	-0.02
EPS (Diluted)	-1.46	-1.93	-2.34	-2.06	-2.9	-3.07	-3.28	-3.3	-1.38	-0.11	0.88	1.63	1.40	0.84	0.64	0.03	0.02	0.40	0.28	0.50	0.40	-0.02
EBITDA	-111.87M	-143.59M	-144.14M	-129.59M	-196.73M	-222.72M	-244.54M	-246.34M	-89.51M	24.27M	106.64M	172.87M	151.71M	100.38M	83.55M	35.17M	22.07M	18.28M	6.15M	14.74M	10.42M	2.1M
EBIT	-132.42M	-168.54M	-168.64M	-153.68M	-221.63M	-242.17M	-262.78M	-263.51M	-103.02M	11.85M	95.76M	163.36M	144.17M	94.75M	79.52M	32.59M	19.79M	16.2M	4.54M	13.67M	9.86M	1.99M
Depreciation & Amortization	20.55M	24.95M	24.5M	24.09M	24.9M	19.45M	18.24M	17.17M	13.51M	12.42M	10.88M	9.51M	7.54M	5.63M	4.03M	2.58M	2.28M	2.08M	1.61M	1.07M	558K	108K