Upstart Holdings, Inc. financial data

Symbol
UPST on Nasdaq
Industry
Finance Services
Location
2950 S. Delaware Street, Suite 300, San Mateo, CA
State of incorporation
DE
Fiscal year end
December 31
Latest financial report
10-Q - Q3 2024 - Nov 8, 2024

Key Ratios

Label TTM Value / Value Unit Change %
Debt-to-equity 211 % +9.84%
Return On Assets -8.88 % +34%
Operating Margin -38.7 % +24.8%

Shares

Label TTM Value / Value Unit Change %
Entity Common Stock, Shares Outstanding 91.2M shares +7.26%
Common Stock, Shares, Outstanding 91M shares +7.03%
Entity Public Float 2.59B USD +16.1%
Common Stock, Value, Issued 9K USD 0%
Weighted Average Number of Shares Outstanding, Basic 90.1M shares +6.77%
Weighted Average Number of Shares Outstanding, Diluted 90.1M shares +6.77%

Income Statement

Label TTM Value / Value Unit Change %
Revenues 558M USD +7.25%
Revenue from Contract with Customer, Excluding Assessed Tax 563M USD -45.8%
Research and Development Expense 244M USD -15.1%
Selling and Marketing Expense 150M USD +7.9%
General and Administrative Expense 226M USD +11.1%
Operating Income (Loss) -216M USD +19.4%
Income Tax Expense (Benefit) 137K USD +350%
Net Income (Loss) Attributable to Parent -168M USD +33.5%
Earnings Per Share, Basic -1.9 USD/shares +37.7%
Earnings Per Share, Diluted -1.9 USD/shares +36.7%

Balance Sheet

Label TTM Value / Value Unit Change %
Property, Plant and Equipment, Net 38.3M USD -20.2%
Operating Lease, Right-of-Use Asset 46.3M USD -40.1%
Intangible Assets, Net (Excluding Goodwill) 9.72M USD -21.8%
Goodwill 67.1M USD 0%
Assets 1.81B USD -9.63%
Liabilities 1.21B USD -10.8%
Retained Earnings (Accumulated Deficit) -408M USD -70%
Stockholders' Equity Attributable to Parent 596M USD -7.06%
Liabilities and Equity 1.81B USD -9.63%

Popular Metrics

Label TTM Value / Value Unit Change %
Net Cash Provided by (Used in) Operating Activities 52.6M USD
Net Cash Provided by (Used in) Financing Activities -43.7M USD -308%
Net Cash Provided by (Used in) Investing Activities -37.5M USD -45.2%
Common Stock, Shares Authorized 700M shares 0%
Common Stock, Shares, Issued 91M shares +7.03%
Common Stock, Par or Stated Value Per Share 0 USD/shares 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect -28.6M USD +64.5%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents 656M USD +6.62%
Interest Paid, Excluding Capitalized Interest, Operating Activities 12.5M USD +56.6%
Deferred Tax Assets, Valuation Allowance 443M USD +14.2%
Deferred Tax Assets, Gross 477M USD +9.79%
Operating Lease, Liability 53.3M USD -42.9%
Depreciation 21.1M USD +30.8%
Payments to Acquire Property, Plant, and Equipment 684K USD -38.4%
Lessee, Operating Lease, Liability, to be Paid 59.6M USD -45.3%
Property, Plant and Equipment, Gross 89.5M USD +15.2%
Lessee, Operating Lease, Liability, to be Paid, Year Two 15.9M USD -9.66%
Lessee, Operating Lease, Liability, to be Paid, Year One 15.4M USD -9.69%
Operating Lease, Weighted Average Discount Rate, Percent 0.05 pure +25.9%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount 6.26M USD -53.1%
Lessee, Operating Lease, Liability, to be Paid, Year Three 15.5M USD -14.3%
Deferred Tax Assets, Operating Loss Carryforwards 329M USD +7.75%
Unrecognized Tax Benefits 22.2M USD +19.9%
Lessee, Operating Lease, Liability, to be Paid, Year Four 6.14M USD -65.4%
Operating Lease, Payments 21.6M USD +50.2%
Additional Paid in Capital 1B USD +14%
Depreciation, Depletion and Amortization 5.63M USD -12.6%
Deferred Tax Assets, Net of Valuation Allowance 33.4M USD -27.6%
Share-based Payment Arrangement, Expense 136M USD -22.6%
Interest Expense 38.5M USD +126%