UPST · Upstart Holdings, Inc.
Income-statement, balance-sheet and cash-flow figures extracted from the company's SEC filings — 10-K annual and 10-Q quarterly reports — and standardised for comparison across periods.
Chart any reported metric, KPI or segment over time — the full statement history lives here
| Line Item | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|---|
| $1.25B | $1.04B | $636.53M | $513.56M | $842.44M | $848.59M | $233.42M | $164.19M | |
| — | — | — | — | $105.58M | $20.63M | $26.41M | $63.31M | |
| $97.28M | $93.85M | $1.06M | -$46.87M | -$64.83M | $47.31M | — | — | |
| $304.91M | $257.6M | $253.65M | $280.14M | $237.25M | $134M | $38.8M | $18.78M | |
| $388.4M | $301.51M | $166.8M | $127.14M | $345.78M | $333.45M | $99.66M | $93.18M | |
| $285.06M | $253.74M | $230.94M | $212.39M | $185.29M | $122.68M | $45.61M | $31.87M | |
| $25.58M | $24.84M | $20.55M | $24.9M | $13.51M | $7.54M | $2.28M | $774K | |
| $1.2B | $1B | $809.38M | $770.09M | $956.31M | $707.71M | $221.65M | $168.76M | |
| $49.71M | $42.63M | -$172.86M | -$256.53M | -$113.86M | $140.88M | $11.77M | -$4.58M | |
| — | 4.08% | -27.16% | -49.95% | -13.52% | 16.6% | 5.04% | -2.79% | |
| $75.28M | $67.47M | -$152.31M | -$231.62M | -$100.35M | $148.42M | $14.04M | -$3.8M | |
| $39.77M | $31.66M | $40.43M | $34.89M | $10.84M | $3.27M | $8.03M | $26.49M | |
| $231.15M | $204.23M | $186.36M | $169M | $105.58M | $20.63M | — | — | |
| $24.6M | $24.32M | $18.79M | $21.21M | $9.47M | -$5.17M | $5.55M | $1.04M | |
| $1.35M | $728K | $185K | $107K | -$409K | -$1.71M | $371K | $74K | |
| $60.33M | $53.6M | -$128.58M | -$240.13M | -$108.67M | $135.44M | $5.98M | -$466K | |
| — | 5.13% | -20.2% | -46.76% | -12.9% | 15.96% | 2.56% | -0.28% | |
| — | — | — | — | $0 | $0 | -$404K | -$4.55M | |
| $60.33M | $53.6M | -$128.58M | -$240.13M | -$108.67M | $135.44M | $0 | -$466K | |
| USD/shares | $0.63 | $0.56 | -$1.44 | -$2.87 | -$1.31 | $1.73 | $0.00 | -$0.03 |
| USD/shares | $0.52 | $0.45 | -$1.44 | -$2.87 | -$1.31 | $1.43 | $0.00 | -$0.03 |
| shares | — | 96.03M | 89.45M | 83.77M | 82.77M | 78.11M | 17.51M | 14.34M |
| shares | — | 107.49M | 89.45M | 83.77M | 82.77M | 94.77M | 17.51M | 14.34M |
Capital Returned to Shareholders
Cash spent on share repurchases and dividends per fiscal year, as reported on the cash-flow statement. Across FY2021–FY2024: $177.88M in buybacks.
Price & Valuation
Multiples computed on the strict TTM/EV methodology — today's snapshot against peers, and each ratio recomputed as of past filing dates.
Valuation
Peer medians compare against the 27 similar-size Credit Services companies (of 41 listed).
Valuation over time computed as of each quarter's filing date
Revenue Breakdown
Annual revenue as the company disaggregates it in its own XBRL filings. Years a component wasn't reported show a dash.
Share mode is each component's slice of the reported components that year — issuers rarely tag every revenue dollar, so slices need not sum to total revenue.
By Product & Service (USD)
| Component | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| Origination Fees | $7,600,000 | $0 | $0 | — | — | — | — |
| Subscription Fee | $4,700,000 | $5,400,000 | $3,800,000 | $0 | $0 | — | — |
| Borrower Fees | — | — | — | $25,208,000 | $7,289,000 | $2,093,000 | $1,539,000 |
| Collection Agency Fees | — | — | — | $10,519,000 | $4,473,000 | $2,777,000 | $2,111,000 |
| Platform and Referral Fees Net | — | — | — | $732,237,000 | $726,161,000 | $200,257,000 | $144,055,000 |
| Servicing Fees Net | — | — | — | $175,035,000 | $75,114,000 | $28,343,000 | $15,792,000 |