Upstart Inc. (UPST)

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48.65

1.94 (4.15%)

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

48.78

0.28%

Pre-market: Apr 28, 2025, 04:45 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	211.27M	162.14M	127.63M	127.79M	134.87M	134.56M	135.77M	102.93M	142.23M	157.23M	228.16M	310.14M	303.68M	228.45M	193.95M	121.34M	77.66M	62.77M	17.34M	64.28M	63.79M	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	n/a	n/a	n/a	6.69M
Gross Profit	211.27M	162.14M	127.63M	127.79M	134.87M	134.56M	135.77M	102.93M	142.23M	157.23M	228.16M	310.14M	303.68M	228.45M	193.95M	121.34M	77.66M	62.77M	17.34M	64.28M	63.79M	42.8M
Operating Income	-4.75M	-45.15M	-55.49M	-67.47M	-47.5M	-43.84M	-33.34M	-131.84M	-58.5M	-58.09M	-32.11M	34.83M	60.41M	28.6M	36.29M	15.57M	10.39M	12.21M	-11.39M	553K	3.52M	1.99M
Interest Income	41.46M	40.84M	52.88M	51.17M	52.07M	37.69M	33.92M	45.31M	39.29M	22.18M	28.97M	15.13M	8.61M	5.07M	3.54M	3.4M	3.7M	5.8M	7.72M	9.18M	12.01M	n/a
Pretax Income	-2.64M	-6.71M	-54.45M	-64.58M	-42.34M	-40.3M	-28.15M	-129.24M	-55.73M	-56.21M	-29.85M	32.71M	59.27M	27.84M	36.3M	10.32M	1.4M	9.67M	-6.11M	992K	4.94M	-205K
Net Income	-2.75M	-6.76M	-54.47M	-64.6M	-42.4M	-40.31M	-28.16M	-129.25M	-55.26M	-56.22M	-29.87M	32.69M	58.94M	29.11M	37.28M	10.1M	1.03M	9.67M	-6.19M	1.48M	6.05M	-322K
Selling & General & Admin	156.49M	142.41M	124.66M	132.17M	130.66M	123.46M	111.14M	124.69M	141.38M	149.14M	203.22M	225.31M	196.7M	162.77M	126.2M	86.78M	62.17M	43.19M	21.07M	56.42M	51.76M	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	n/a	n/a	n/a	5.06M
Other Expenses	57.42M	26.45M	57.42M	60.21M	46.54M	51.4M	52.78M	107.47M	56.57M	64.3M	54.78M	52.11M	47.71M	37.84M	31.45M	24.24M	14.1M	9.92M	2.37M	6.87M	7.09M	n/a
Operating Expenses	213.91M	168.85M	182.09M	192.38M	177.2M	174.86M	163.91M	232.16M	197.96M	213.44M	258.01M	277.43M	244.41M	200.6M	157.65M	111.02M	76.27M	53.1M	23.44M	63.29M	58.85M	43M
Interest Expense	15.13M	10.82M	11.47M	10.71M	14.07M	9.41M	4.28M	7.13M	4.52M	3.05M	2.31M	959K	478K	269K	1.5M	1.03M	1.07M	1.44M	2.26M	3.25M	4.36M	n/a
Selling & Marketing Expenses	55.46M	43.23M	32.96M	35.15M	38.77M	33.04M	23.89M	31.44M	50.75M	56.36M	105.21M	133.45M	114.81M	93.35M	75.92M	49.38M	34.55M	23.73M	5.44M	35.95M	31.94M	27.33M
Cost & Expenses	213.91M	168.85M	182.09M	192.38M	177.2M	174.86M	163.91M	232.16M	197.96M	213.44M	258.01M	277.43M	244.41M	200.6M	157.65M	111.02M	76.27M	53.1M	23.44M	63.29M	58.85M	49.69M
Income Tax Expense	111K	45K	15K	14K	63K	10K	18K	16K	-464K	12K	24K	19K	323K	-1.27M	-988K	221K	371K	n/a	n/a	n/a	74K	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)	-0.03	-0.07	-0.62	-0.74	-0.5	-0.48	-0.34	-1.58	-0.67	-0.69	-0.36	0.34	0.71	0.37	0.49	0.14	0.04	0.12	-0.28	0.10	0.42	-0.02
EPS (Diluted)	-0.03	-0.07	-0.62	-0.74	-0.5	-0.48	-0.34	-1.58	-0.67	-0.69	-0.36	0.34	0.60	0.30	0.39	0.11	0.04	0.10	-0.22	0.10	0.42	-0.02
EBITDA	7.38M	-28.94M	-39.19M	-51.12M	-24.33M	-29.5M	-24.64M	-118.26M	-50.32M	-51.32M	-26.44M	38.57M	63.45M	31.05M	39.79M	17.42M	12.11M	14.23M	-8.59M	4.32M	8.32M	2.1M
EBIT	2.68M	-34.33M	-44.02M	-56.75M	-33.44M	-34.43M	-29.06M	-124.7M	-53.98M	-55.04M	-29.79M	35.79M	60.89M	28.87M	37.81M	16.6M	11.47M	13.64M	-9.13M	3.81M	7.87M	1.99M
Depreciation & Amortization	4.7M	5.39M	4.83M	5.63M	9.1M	4.93M	4.42M	6.44M	3.65M	3.72M	3.35M	2.78M	2.56M	2.19M	1.98M	816K	647K	581K	535K	515K	450K	108K