stock
Upstart Holdings Inc
NASDAQ | UPST
44.96
USD
+$0.00
(+0.00%
)At Close (As of Nov 28, 2025)
$4.09B
Market Cap
161.77
P/E Ratio
0.26
EPS
$96.43
52 Week High
$31.40
52 Week Low
FINANCIAL SERVICES
Sector
UPST Chart
Recent Chart
Price Action
UPST Technicals
UPST Earnings
Yearly Income Statement (As of Dec 31, 2024)
| Field | Value (USD) |
|---|---|
| Gross Profit | $629M |
| Total Revenue | $677M |
| Cost Of Revenue | $48M |
| Costof Goods And Services Sold | $48M |
| Operating Income | -$128M |
| Selling General And Administrative | $389M |
| Research And Development | $254M |
| Operating Expenses | $757M |
| Investment Income Net | - |
| Net Interest Income | $138M |
| Interest Income | $186M |
| Interest Expense | $48M |
| Non Interest Income | - |
| Other Non Operating Income | - |
| Depreciation | - |
| Depreciation And Amortization | $21M |
| Income Before Tax | -$128M |
| Income Tax Expense | $185K |
| Interest And Debt Expense | - |
| Net Income From Continuing Operations | -$129M |
| Comprehensive Income Net Of Tax | - |
| Ebit | -$128M |
| Ebitda | -$108M |
| Net Income | -$129M |
Revenue & Profitability
Earnings Performance
UPST Financials
yearly Balance Sheet (As of Dec 31, 2024)
| Field | Value (USD) |
|---|---|
| Total Assets | $2.4B |
| Total Current Assets | $949M |
| Cash And Cash Equivalents At Carrying Value | $794M |
| Cash And Short Term Investments | $794M |
| Inventory | - |
| Current Net Receivables | $127M |
| Total Non Current Assets | $1.4B |
| Property Plant Equipment | - |
| Accumulated Depreciation Amortization Ppe | - |
| Intangible Assets | $9.4M |
| Intangible Assets Excluding Goodwill | $9.4M |
| Goodwill | $67M |
| Investments | - |
| Long Term Investments | $41M |
| Short Term Investments | $5.2M |
| Other Current Assets | $29M |
| Other Non Current Assets | - |
| Total Liabilities | $1.7B |
| Total Current Liabilities | $310M |
| Current Accounts Payable | $12M |
| Deferred Revenue | - |
| Current Debt | - |
| Short Term Debt | $196M |
| Total Non Current Liabilities | $1.4B |
| Capital Lease Obligations | $50M |
| Long Term Debt | $1.2B |
| Current Long Term Debt | $196M |
| Long Term Debt Noncurrent | - |
| Short Long Term Debt Total | $1.5B |
| Other Current Liabilities | $102M |
| Other Non Current Liabilities | - |
| Total Shareholder Equity | $633M |
| Treasury Stock | - |
| Retained Earnings | -$411M |
| Common Stock | $9K |
| Common Stock Shares Outstanding | $89M |
yearly Cash Flow (As of Dec 31, 2024)
| Field | Value (USD) |
|---|---|
| Operating Cashflow | $186M |
| Payments For Operating Activities | - |
| Proceeds From Operating Activities | - |
| Change In Operating Liabilities | - |
| Change In Operating Assets | - |
| Depreciation Depletion And Amortization | $21M |
| Capital Expenditures | $837K |
| Change In Receivables | - |
| Change In Inventory | - |
| Profit Loss | - |
| Cashflow From Investment | -$238M |
| Cashflow From Financing | $560M |
| Proceeds From Repayments Of Short Term Debt | - |
| Payments For Repurchase Of Common Stock | - |
| Payments For Repurchase Of Equity | - |
| Payments For Repurchase Of Preferred Stock | - |
| Dividend Payout | - |
| Dividend Payout Common Stock | - |
| Dividend Payout Preferred Stock | - |
| Proceeds From Issuance Of Common Stock | - |
| Proceeds From Issuance Of Long Term Debt And Capital Securities Net | - |
| Proceeds From Issuance Of Preferred Stock | - |
| Proceeds From Repurchase Of Equity | -$22K |
| Proceeds From Sale Of Treasury Stock | - |
| Change In Cash And Cash Equivalents | - |
| Change In Exchange Rate | - |
| Net Income | -$129M |
yearly Income Statement (As of Dec 31, 2024)
| Field | Value (USD) |
|---|---|
| Gross Profit | $629M |
| Total Revenue | $677M |
| Cost Of Revenue | $48M |
| Costof Goods And Services Sold | $48M |
| Operating Income | -$128M |
| Selling General And Administrative | $389M |
| Research And Development | $254M |
| Operating Expenses | $757M |
| Investment Income Net | - |
| Net Interest Income | $138M |
| Interest Income | $186M |
| Interest Expense | $48M |
| Non Interest Income | - |
| Other Non Operating Income | - |
| Depreciation | - |
| Depreciation And Amortization | $21M |
| Income Before Tax | -$128M |
| Income Tax Expense | $185K |
| Interest And Debt Expense | - |
| Net Income From Continuing Operations | -$129M |
| Comprehensive Income Net Of Tax | - |
| Ebit | -$128M |
| Ebitda | -$108M |
| Net Income | -$129M |
UPST News
UPST Profile
Upstart Holdings Inc Profile
Sector: FINANCIAL SERVICES
Industry: CREDIT SERVICES
Upstart Holdings, Inc. is a cutting-edge financial technology firm based in San Mateo, California, that is revolutionizing the personal lending space through the use of cloud-based artificial intelligence. By leveraging sophisticated machine learning algorithms, the company optimizes credit decision-making processes, resulting in higher loan approval rates and lower borrowing costs for consumers, while enhancing risk assessment for lenders. This innovative model not only disrupts traditional lending frameworks but also solidifies Upstart's role as a key player in the rapidly expanding market of AI-driven financial services, addressing the dynamic requirements of both borrowers and financial institutions.
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