Upstart Inc. (UPST)
NASDAQ: UPST
· Real-Time Price · USD
64.11
0.28 (0.44%)
At close: Aug 15, 2025, 3:59 PM
64.22
0.16%
After-hours: Aug 15, 2025, 06:21 PM EDT
Upstart Income Statement
Financials in USD. Fiscal
year is
January - December.
| Fiscal Year | Q2 2025 | Q1 2025 | 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 |
| Period Ending | Jun 30, 2025 | Mar 31, 2025 | 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 |
Revenue | 257.29M | 220.39M | 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 |
Cost of Revenue | 5.84M | 7.02M | 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 |
Gross Profit | 251.45M | 213.37M | 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 |
Operating Income | 4.54M | -2.42M | -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 |
Interest Income | n/a | 40.57M | 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 |
Pretax Income | 5.66M | -2.42M | -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 |
Net Income | 5.61M | -2.45M | -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 |
Selling & General & Admin | 178.08M | 119.53M | 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 |
Research & Development | 68.83M | 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 |
Other Expenses | n/a | 55.76M | 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 |
Operating Expenses | 246.91M | 215.79M | 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 |
Interest Expense | -7.77M | 7.02M | 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 |
Selling & Marketing Expenses | 73.11M | 58.97M | 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 |
Cost & Expenses | 252.75M | 222.81M | 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 |
Income Tax Expense | 49K | 29K | 111K | 45K | 15K | 14K | 63K | 10K | 18K | 16K | -464K | 12K | 24K | 19K | 323K | -1.27M | -988K | 221K |
Shares Outstanding (Basic) | 95.53M | 94.28M | 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 |
Shares Outstanding (Diluted) | 102.85M | 94.28M | 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 |
EPS (Basic) | 0.06 | -0.03 | -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 |
EPS (Diluted) | 0.05 | -0.03 | -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 |
EBITDA | 11.5M | 3.98M | 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 |
EBIT | 5.66M | -2.42M | 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 |
Depreciation & Amortization | 5.84M | 6.4M | 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 |