UPST
Upstart Holdings, Inc.
$31.59
-0.13 (-0.41%)
At close · Jul 15
Market Cap
$3.04B
Shares
95,711,569
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.
Revenue
$1.04B
+64%
FY2025
Net Income
$53.6M
+141.7%
FY2025
Operating Margin
4.08%
+31.2pp
FY2025
Diluted EPS
$0.45
+131.2%
FY2025
Operating Cash Flow
-$147.73M
-179.3%
FY2025
Chart any reported metric, KPI or segment over time — the full statement history lives here
Search above to add metrics — fundamentals, product and segment revenue, company KPIs, valuation.
| Line Item | FY2026 (G) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|---|
| $1.4B | $1.14B | $1.04B | $636.53M | $513.56M | $842.44M | $848.59M | |
| — | — | — | — | — | $105.58M | $20.63M | |
| — | $97.1M | $93.85M | $1.06M | -$46.87M | — | — | |
| — | $279.88M | $257.6M | $253.65M | $280.14M | $237.25M | $134M | |
| — | $346.99M | $301.51M | $166.8M | $127.14M | $345.78M | $333.45M | |
| — | $269.25M | $253.74M | $230.94M | $212.39M | $185.29M | $122.68M | |
| — | — | $24.84M | $20.55M | $24.9M | $13.51M | $7.54M | |
| — | $1.1B | $1B | $809.38M | $770.09M | $956.31M | $707.71M | |
| — | $39.61M | $42.63M | -$172.86M | -$256.53M | -$113.86M | $140.88M | |
| — | — | 4.08% | -27.16% | -49.95% | -13.52% | 16.6% | |
| — | — | $67.47M | -$152.31M | -$231.62M | -$100.35M | $148.42M | |
| — | $38.48M | — | — | $34.89M | $10.84M | $3.27M | |
| — | $23.2M | $24.32M | $18.79M | $21.21M | $9.47M | -$5.17M | |
| — | $783K | $728K | $185K | $107K | -$409K | -$1.71M | |
| — | $49.4M | $53.6M | -$128.58M | -$240.13M | -$108.67M | $135.44M | |
| — | — | 5.13% | -20.2% | -46.76% | -12.9% | 15.96% | |
| — | — | — | — | — | $0 | $0 | |
| — | — | $53.6M | — | — | -$108.67M | $135.44M | |
| USD/shares | — | — | $0.56 | -$1.44 | -$2.87 | -$1.31 | $1.73 |
| USD/shares | — | — | $0.45 | -$1.44 | -$2.87 | -$1.31 | $1.43 |
| shares | — | — | 96.03M | 89.45M | 83.77M | 82.77M | 78.11M |
| shares | — | — | 107.49M | 89.45M | 83.77M | 82.77M | 94.77M |
Italic rows are computed from reported lines — open a row's info icon for its formula. Values reflect the latest filing (restatements included); per-share figures on today's split basis. Click a value for its source filing.
TTM: trailing twelve months through the latest reported quarter — flows sum the last four quarters, balances take the latest. 3Y/5Y/10Y columns are trailing CAGR from the newest fiscal year; blank where an endpoint is missing or negative. (G): the company's own guidance — a (G) column is a guided period not yet reported; a G marker shows how the reported figure landed against the guided range. Non-GAAP-basis guidance (*) is shown as stated and never judged against GAAP actuals.
Capital Returned to Shareholders
Cash spent on share repurchases and dividends per fiscal year, as reported on the cash-flow statement. Across FY2022–FY2024: $177.88M in buybacks.
Price & Valuation
Multiples computed on the strict TTM/EV methodology — today's snapshot against the industry, and each ratio recomputed as of past filing dates.
Valuation
EV/Revenue
—
Credit Services median 8.70×
EV/EBIT
—
Credit Services median 24.62×
P/E (TTM)
77.54×
Credit Services median 11.71×
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 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|---|---|
| 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 |
Key facts
CIK
1647639
CUSIP
91680M107
13F (30d)
34 filings
23 filers
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