Upstart Holdings, Inc.
NASDAQ:UPST
64.08 (USD) • At close January 3, 2025
Overview | Financials
Numbers are in millions (except for per share data and ratios) USD.
| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue
| 162.14 | 127.63 | 127.794 | 140.312 | 134.557 | 133.457 | 102.927 | 151.434 | 160.283 | 230.475 | 311.095 | 305.326 | 228.719 | 195.443 | 122.375 | 87.784 | 66.797 | 19.612 | 67.249 | 66.929 | 49.487 |
| Cost of Revenue
| 5.39 | 4.828 | 5.632 | 9.103 | 4.934 | 4.525 | 6.441 | 43.487 | 45.028 | 51.072 | 48.407 | 41.049 | 34.978 | 24.164 | 17.388 | 12.789 | 9.36 | 6.621 | 8.811 | 8.354 | 6.689 |
| Gross Profit
| 156.75 | 122.802 | 122.162 | 131.209 | 129.623 | 128.932 | 96.486 | 107.947 | 115.255 | 179.403 | 262.688 | 264.277 | 193.741 | 171.279 | 104.987 | 74.995 | 57.437 | 12.991 | 58.438 | 58.575 | 42.798 |
| Gross Profit Ratio
| 0.967 | 0.962 | 0.956 | 0.935 | 0.963 | 0.966 | 0.937 | 0.713 | 0.719 | 0.778 | 0.844 | 0.866 | 0.847 | 0.876 | 0.858 | 0.854 | 0.86 | 0.662 | 0.869 | 0.875 | 0.865 |
| Reseach & Development Expenses
| 64.887 | 58.453 | 63.091 | 57.152 | 54.941 | 57.974 | 110.071 | 64.029 | 66.182 | 57.045 | 49.991 | 46.495 | 37.085 | 31.431 | 18.988 | 14.151 | 9.966 | 7.667 | 7.018 | 7.297 | 5.063 |
| General & Administrative Expenses
| 59.874 | 91.705 | 97.021 | 55.772 | 53.505 | 50.448 | 52.663 | 47.142 | 47.752 | 46.94 | 43.456 | 42.075 | 34.442 | 26.124 | 20.019 | 14.831 | 10.101 | 9.017 | 11.66 | 9.298 | 8.418 |
| Selling & Marketing Expenses
| 43.229 | 32.958 | 35.15 | 38.772 | 33.042 | 23.891 | 31.438 | 50.753 | 56.362 | 105.212 | 133.449 | 114.815 | 93.346 | 75.916 | 49.376 | 34.546 | 23.725 | 5.436 | 35.952 | 31.939 | 27.329 |
| SG&A
| 103.103 | 119.835 | 126.539 | 121.558 | 118.527 | 106.611 | 118.25 | 97.895 | 104.114 | 152.152 | 176.905 | 156.89 | 127.788 | 102.04 | 69.395 | 49.377 | 33.826 | 14.453 | 47.612 | 43.405 | 35.747 |
| Other Expenses
| 39.302 | 1.031 | 2.884 | 36.117 | 3.54 | 5.197 | 2.597 | 3.944 | 1.88 | 2.26 | -2.122 | 0.022 | -0.754 | 0.002 | -5.251 | 0.052 | 0.05 | 5.297 | 0.15 | 0.204 | 0 |
| Operating Expenses
| 162.14 | 178.288 | 189.63 | 178.71 | 173.468 | 164.585 | 228.321 | 168.626 | 167.616 | 206.137 | 229.018 | 204.558 | 165.627 | 133.486 | 93.634 | 72.575 | 46.38 | 16.841 | 54.338 | 50.315 | 43.003 |
| Operating Income
| -45.152 | -55.486 | -67.468 | -47.501 | -43.845 | -35.653 | -131.835 | -53.977 | -55.041 | -29.794 | 35.792 | 60.892 | 28.868 | 37.808 | 16.604 | 11.467 | 13.645 | -9.129 | 3.808 | 7.873 | 1.988 |
| Operating Income Ratio
| -0.278 | -0.435 | -0.528 | -0.339 | -0.326 | -0.267 | -1.281 | -0.356 | -0.343 | -0.129 | 0.115 | 0.199 | 0.126 | 0.193 | 0.136 | 0.131 | 0.204 | -0.465 | 0.057 | 0.118 | 0.04 |
| Total Other Income Expenses Net
| 38.439 | 1.031 | 2.884 | 5.166 | 3.54 | 5.197 | 2.597 | 2.771 | 1.88 | 2.26 | -2.122 | -1.147 | -0.754 | 0.002 | -5.251 | -8.995 | -2.538 | 5.279 | -3.331 | -3.384 | -2.193 |
| Income Before Tax
| -6.713 | -54.455 | -64.584 | -42.335 | -40.305 | -28.147 | -129.238 | -55.727 | -56.211 | -29.847 | 32.711 | 59.267 | 27.845 | 36.296 | 10.323 | 1.398 | 9.669 | -6.109 | 0.992 | 4.939 | -0.205 |
| Income Before Tax Ratio
| -0.041 | -0.427 | -0.505 | -0.302 | -0.3 | -0.211 | -1.256 | -0.368 | -0.351 | -0.13 | 0.105 | 0.194 | 0.122 | 0.186 | 0.084 | 0.016 | 0.145 | -0.311 | 0.015 | 0.074 | -0.004 |
| Income Tax Expense
| 0.045 | 0.015 | 0.014 | 0.063 | 0.01 | 0.018 | 0.016 | 0.464 | 0.012 | 0.024 | 0.019 | 0.323 | 1.268 | 0.988 | 0.221 | 0.371 | 7.934 | 0.084 | -0.488 | 0.074 | 0.117 |
| Net Income
| -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 | 1.735 | -3.215 | 1.48 | 6.051 | -0.322 |
| Net Income Ratio
| -0.042 | -0.427 | -0.505 | -0.302 | -0.3 | -0.211 | -1.256 | -0.365 | -0.351 | -0.13 | 0.105 | 0.193 | 0.127 | 0.191 | 0.083 | 0.012 | 0.026 | -0.164 | 0.022 | 0.09 | -0.007 |
| EPS
| -0.075 | -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 | 0.1 | 0.42 | -0.023 |
| EPS Diluted
| -0.075 | -0.62 | -0.74 | -0.5 | -0.48 | -0.34 | -1.58 | -0.67 | -0.69 | -0.36 | 0.34 | 0.6 | 0.3 | 0.39 | 0.11 | 0.04 | 0.099 | -0.22 | 0.1 | 0.42 | -0.023 |
| EBITDA
| 0 | -49.627 | -58.952 | -33.232 | -35.371 | -23.722 | -122.797 | -52.073 | -51.317 | -26.44 | 34.833 | 61.824 | 28.599 | 36.294 | 15.574 | 12.114 | 12.207 | -5.574 | 4.323 | 8.323 | -0.068 |
| EBITDA Ratio
| 0 | -0.397 | -0.484 | -0.274 | -0.289 | -0.233 | -1.218 | -0.332 | -0.32 | -0.115 | 0.124 | 0.208 | 0.136 | 0.204 | 0.142 | 0.138 | 0.213 | -0.438 | 0.064 | 0.124 | 0.042 |