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-K - Q4 2024 - Feb 14, 2025

Key Ratios

Label TTM Value / Value Unit Change %
Debt-to-equity 225 % +13.1%
Return On Assets -6.49 % +48.6%
Operating Margin -27.2 % +45.6%

Shares

Label TTM Value / Value Unit Change %
Entity Common Stock, Shares Outstanding 93.7M shares +8.42%
Common Stock, Shares, Outstanding 93.5M shares +8.27%
Entity Public Float 1.83B USD -29.6%
Common Stock, Value, Issued 9K USD 0%
Weighted Average Number of Shares Outstanding, Basic 89.5M shares +6.79%
Weighted Average Number of Shares Outstanding, Diluted 89.5M shares +6.79%

Income Statement

Label TTM Value / Value Unit Change %
Revenues 637M USD +23.9%
Revenue from Contract with Customer, Excluding Assessed Tax 563M USD -45.8%
Research and Development Expense 254M USD -9.45%
Selling and Marketing Expense 167M USD +31.2%
General and Administrative Expense 231M USD +8.73%
Operating Income (Loss) -173M USD +32.6%
Income Tax Expense (Benefit) 185K USD +72.9%
Net Income (Loss) Attributable to Parent -129M USD +46.5%
Earnings Per Share, Basic -1.44 USD/shares +49.8%
Earnings Per Share, Diluted -1.44 USD/shares +49.8%

Balance Sheet

Label TTM Value / Value Unit Change %
Cash and Cash Equivalents, at Carrying Value 788M USD +114%
Property, Plant and Equipment, Net 39M USD -8.54%
Operating Lease, Right-of-Use Asset 43.5M USD -20.5%
Intangible Assets, Net (Excluding Goodwill) 9.43M USD -17%
Goodwill 67.1M USD 0%
Assets 2.37B USD +17.3%
Liabilities 1.73B USD +25.5%
Retained Earnings (Accumulated Deficit) -411M USD -45.5%
Stockholders' Equity Attributable to Parent 633M USD -0.33%
Liabilities and Equity 2.37B USD +17.3%

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 93.5M shares +8.27%
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 976M USD +109%
Interest Paid, Excluding Capitalized Interest, Operating Activities 12.5M USD +56.6%
Deferred Tax Assets, Valuation Allowance 509M USD +14.8%
Deferred Tax Assets, Gross 536M USD +12.5%
Operating Lease, Liability 50.3M USD -19.3%
Depreciation 18.6M USD -9.71%
Payments to Acquire Property, Plant, and Equipment 684K USD -38.4%
Lessee, Operating Lease, Liability, to be Paid 55.9M USD -21.1%
Property, Plant and Equipment, Gross 94.4M USD +17.9%
Lessee, Operating Lease, Liability, to be Paid, Year Two 15.9M USD +2.91%
Lessee, Operating Lease, Liability, to be Paid, Year One 15.4M USD +2.91%
Operating Lease, Weighted Average Discount Rate, Percent 0.05 pure 0%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount 5.58M USD -34.3%
Lessee, Operating Lease, Liability, to be Paid, Year Three 15.5M USD -2.37%
Deferred Tax Assets, Operating Loss Carryforwards 346M USD +5.43%
Unrecognized Tax Benefits 26.5M USD +19.4%
Lessee, Operating Lease, Liability, to be Paid, Year Four 6.14M USD -60.3%
Operating Lease, Payments 14.4M USD -34.6%
Additional Paid in Capital 1.04B USD +13.8%
Depreciation, Depletion and Amortization 5.63M USD -12.6%
Deferred Tax Assets, Net of Valuation Allowance 27.1M USD -18.7%
Share-based Payment Arrangement, Expense 133M USD -23.8%
Interest Expense 38.5M USD +126%