Upstart Holdings, Inc. financial data

Symbol
UPST on Nasdaq
Location
San Mateo, CA
Fiscal year end
31 December
Latest financial report
10-K - Q4 2025 - 10 Feb 2026

Key Ratios

Label TTM Value / Value Unit Change %
Debt-to-equity 262% % 16%
Return On Assets 2% %
Operating Margin 4.1% %

Shares

Label TTM Value / Value Unit Change %
Entity Common Stock, Shares Outstanding 98,061,276 shares 4.6%
Common Stock, Shares, Outstanding 98,033,361 shares 4.9%
Common Stock, Value, Issued $10,000 USD 11%
Weighted Average Number of Shares Outstanding, Basic 96,030,558 shares 7.4%
Weighted Average Number of Shares Outstanding, Diluted 107,492,735 shares 20%

Income Statement

Label TTM Value / Value Unit Change %
Revenues $1,043,857,000 USD 64%
Research and Development Expense $257,602,000 USD 1.6%
Selling and Marketing Expense $301,507,000 USD 81%
General and Administrative Expense $253,740,000 USD 9.9%
Operating Income (Loss) $42,631,000 USD
Income Tax Expense (Benefit) $728,000 USD 294%
Net Income (Loss) Attributable to Parent $53,601,000 USD
Earnings Per Share, Basic 0.56 USD/shares
Earnings Per Share, Diluted 0.45 USD/shares

Balance Sheet

Label TTM Value / Value Unit Change %
Cash and Cash Equivalents, at Carrying Value $652,388,000 USD -17%
Property, Plant and Equipment, Net $44,174,000 USD 13%
Operating Lease, Right-of-Use Asset $16,410,000 USD -62%
Intangible Assets, Net (Excluding Goodwill) $8,289,000 USD -12%
Goodwill $67,062,000 USD 0%
Assets $2,974,805,000 USD 26%
Liabilities $2,175,990,000 USD 26%
Retained Earnings (Accumulated Deficit) $357,556,000 USD 13%
Stockholders' Equity Attributable to Parent $798,815,000 USD 26%
Liabilities and Equity $2,974,805,000 USD 26%

Popular Metrics

Label TTM Value / Value Unit Change %
Common Stock, Shares Authorized 700,000,000 shares 0%
Common Stock, Shares, Issued 98,033,361 shares 4.9%
Common Stock, Par or Stated Value Per Share 0.0001 USD/shares 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $1,057,012,000 USD 8.3%
Deferred Tax Assets, Valuation Allowance $531,883,000 USD 4.5%
Deferred Tax Assets, Gross $551,371,000 USD 2.8%
Operating Lease, Liability $21,149,000 USD -58%
Depreciation $23,700,000 USD 27%
Lessee, Operating Lease, Liability, to be Paid $23,596,000 USD -58%
Property, Plant and Equipment, Gross $122,595,000 USD 30%
Lessee, Operating Lease, Liability, to be Paid, Year Two $5,558,000 USD -65%
Lessee, Operating Lease, Liability, to be Paid, Year One $10,607,000 USD -31%
Operating Lease, Weighted Average Discount Rate, Percent 0.0713 pure 37%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $2,447,000 USD -56%
Lessee, Operating Lease, Liability, to be Paid, Year Three $4,441,000 USD -71%
Deferred Tax Assets, Operating Loss Carryforwards $357,440,000 USD 3.2%
Unrecognized Tax Benefits $32,197,000 USD 22%
Lessee, Operating Lease, Liability, to be Paid, Year Four $2,990,000 USD -51%
Operating Lease, Payments $15,902,000 USD 10%
Additional Paid in Capital $1,156,361,000 USD 11%
Deferred Tax Assets, Net of Valuation Allowance $19,488,000 USD -28%
Share-based Payment Arrangement, Expense $131,950,000 USD -1.1%