Upstart Holdings, Inc.
NASDAQ:UPST
48.54 (USD) • At close March 14, 2025
Overview | Financials
Numbers are in millions (except for per share data and ratios) USD.
| 2024 Q4 | 2024 Q3 | 2024 Q2 | 2024 Q1 | 2023 Q4 | 2023 Q3 | 2023 Q2 | 2023 Q1 | 2022 Q4 | 2022 Q3 | 2022 Q2 | 2022 Q1 | 2021 Q4 | 2021 Q3 | 2021 Q2 | 2021 Q1 | 2020 Q4 | 2020 Q3 | 2020 Q2 | 2020 Q1 | 2019 Q4 | 2019 Q3 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities: | ||||||||||||||||||||||
| Net Income
| -2.755 | -6.758 | -54.47 | -64.598 | -42.398 | -40.315 | -28.165 | -129.254 | -55.263 | -56.223 | -29.871 | 32.692 | 58.944 | 29.113 | 37.284 | 10.102 | 1.027 | 9.669 | -6.109 | 0.992 | 4.865 | -0.322 |
| Depreciation & Amortization
| 4.699 | 5.39 | 4.828 | 5.632 | 9.103 | 4.934 | 4.425 | 6.441 | 3.654 | 3.724 | 3.354 | 2.781 | 2.557 | 2.185 | 1.983 | 0.816 | 0.647 | 0.581 | 0.535 | 0.515 | 0.45 | 0 |
| Deferred Income Tax
| 0 | 0 | 0 | 0 | 0.063 | 52.679 | 39.592 | 0 | 0 | 0 | 0 | 0 | 5.611 | -1.672 | -5.068 | 0.901 | 10.248 | 4.537 | 2.269 | 11.995 | 1.451 | 0 |
| Stock Based Compensation
| 29.796 | 33.618 | 34.209 | 35.777 | 32.766 | 35.568 | 32.596 | 74.109 | 33.91 | 36.656 | 30.329 | 25.05 | 23.061 | 20.317 | 21.186 | 8.622 | 4.412 | 2.618 | 2.519 | 1.965 | 1.602 | 0.847 |
| Change In Working Capital
| 18.691 | 23.743 | 31.22 | 20.636 | -222.559 | 14.332 | -3.348 | -79.533 | -2.478 | -26.083 | -27.658 | 34.353 | 12.913 | 2.923 | 39.379 | 0.029 | 8.172 | 3.003 | 11.829 | -11.765 | 2.562 | 0 |
| Accounts Receivables
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change In Inventory
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change In Accounts Payables
| 0 | 0 | 0 | 0 | 5.572 | 0.087 | 0.384 | -12.17 | 8.432 | -11.633 | 11.708 | 3.371 | -2.957 | -7.936 | 9.187 | -5.807 | 7.625 | 2.749 | -0.338 | -3.003 | 5.122 | 0 |
| Other Working Capital
| 18.691 | 23.743 | 31.22 | 20.636 | -228.131 | 14.245 | -3.732 | -67.363 | -10.91 | -14.45 | -39.366 | 30.982 | 15.87 | 10.859 | 30.192 | 5.836 | 0.547 | 0.254 | 12.167 | -8.762 | -2.56 | 0 |
| Other Non Cash Items
| -161.357 | 123.347 | 93.373 | 102.216 | 79.313 | -170.631 | 117.279 | 52.51 | -232.7 | -59.44 | -29.797 | -361.671 | -114.23 | -9.265 | -1.96 | 22.622 | 44.008 | -2.686 | 4.94 | -90.224 | -0.375 | -0.525 |
| Operating Cash Flow
| -110.926 | 179.34 | 65.295 | 52.622 | -143.712 | -103.433 | 162.379 | -75.727 | -252.877 | -101.366 | -53.643 | -266.795 | -11.144 | 43.601 | 92.804 | 43.092 | 68.514 | 17.722 | 15.983 | -86.522 | 10.555 | 0 |
| Investing Activities: | ||||||||||||||||||||||
| Investments In Property Plant And Equipment
| -3.419 | 3.24 | -2.328 | -1.749 | -1.666 | -2.946 | -2.016 | -5.458 | -4.983 | -5.523 | -7.12 | -5.287 | -5.683 | -5.287 | -3.544 | -0.601 | -1.356 | -1.682 | -1.201 | -1.366 | -4.012 | 0 |
| Acquisitions Net
| 0 | 61.517 | -43.404 | -18.113 | -17.387 | -13.078 | -26.427 | -24.422 | -16.757 | 20.321 | 0 | 0 | -0.196 | 0 | -16.561 | 2.668 | -82.164 | 0 | 0 | 0 | -10.786 | 0 |
| Purchases Of Investments
| 0 | -85.639 | -64.789 | -46.152 | -35.929 | -13.078 | -26.427 | -46.382 | -0.25 | -41.418 | -13.876 | -1 | -9.655 | -90.19 | -29.601 | -12.947 | -9.655 | 0 | 0 | 0 | -0.485 | 0 |
| Sales Maturities Of Investments
| 0 | 0 | 32.965 | 27.242 | 24.317 | 28.674 | 26.005 | 24.422 | 14.206 | 21.097 | 0.083 | 9.397 | 97.34 | 8.309 | 5.875 | 8.329 | 97.34 | 0 | 0 | 0 | 3.71 | 0 |
| Other Investing Activites
| -74.49 | -25.288 | 1.456 | 1.225 | 0.772 | -23.788 | -9.629 | 25.988 | -77.329 | -18.725 | 10.972 | 11.464 | -101.582 | -79.115 | -37.057 | 3.453 | 4.642 | 5.795 | 16.057 | 110.107 | 3.486 | 0 |
| Investing Cash Flow
| -77.909 | -46.17 | -76.1 | -37.547 | -29.893 | -24.216 | -38.494 | -25.852 | -85.113 | -24.248 | -9.941 | 5.177 | -19.776 | -84.402 | -40.601 | 0.902 | 8.807 | 4.113 | 14.856 | 108.741 | -8.087 | 0 |
| Financing Activities: | ||||||||||||||||||||||
| Debt Repayment
| 502.691 | -9.428 | 113.544 | -49.479 | 22.967 | 227.278 | -70.985 | 13.711 | 66.724 | 61.605 | 86.572 | 73.014 | 45.437 | 658.293 | -35.871 | -20.753 | -37.982 | -7.223 | -7.065 | -29.912 | -21.028 | 0 |
| Common Stock Issued
| 0 | -6.784 | 0 | 0 | 160.293 | 5.506 | 0 | 7.265 | 0 | 0 | 0 | 10.057 | 4.963 | 10.986 | 1.44 | 1.492 | 0 | 0 | 0 | 0 | 0 | 0 |
| Common Stock Repurchased
| -0.003 | 0.002 | 0 | 0 | -0.009 | 0 | -0.001 | -0.005 | -27.813 | -25.028 | -125.042 | 4.431 | 0 | 0 | -0.236 | 0 | 0 | 0 | 0 | 0 | -0.661 | 0 |
| Dividends Paid
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Financing Activities
| 6.643 | -28.593 | 17.713 | -0.001 | 3.397 | 5.506 | 5.135 | 7.26 | 1.62 | 4.542 | 3.781 | 10.057 | 4.963 | -63.264 | 265.135 | 1.492 | 161.346 | 0.307 | -0.223 | -0.196 | -2.09 | 0 |
| Financing Cash Flow
| 509.331 | -38.021 | 132.272 | -43.711 | 26.364 | 232.784 | -65.851 | 20.971 | 40.531 | 41.119 | -34.689 | 83.071 | 50.4 | 595.029 | 229.264 | -19.261 | 123.364 | -6.916 | -7.288 | -30.108 | -22.457 | 0 |
| Other Information: | ||||||||||||||||||||||
| Effect Of Forex Changes On Cash
| 0 | 0 | 0 | 0 | 147.418 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Change In Cash
| 320.496 | 95.149 | 121.467 | -28.636 | -147.241 | 105.135 | 58.034 | -80.608 | -297.459 | -84.495 | -98.273 | -178.547 | 19.48 | 554.228 | 281.467 | 24.733 | 200.685 | 14.919 | 23.551 | -7.889 | -19.989 | 0 |
| Cash At End Of Period
| 976.263 | 655.767 | 560.618 | 439.151 | 467.787 | 615.028 | 509.893 | 451.859 | 532.467 | 829.926 | 914.421 | 1,012.694 | 1,191.241 | 1,171.761 | 617.533 | 336.066 | 311.333 | 110.648 | 95.729 | 72.178 | 80.067 | 0 |