UPST

Upstart Holdings, Inc.

Finance Services · SIC 6199CIK 1647639Held by 2 tracked managersEDGAR filings ↗10-K/10-Q ↗

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Revenue FY2025

$1.04B

Net Income FY2025

$0.05B

EPS (Basic, as reported)

$0.56

Net Margin FY2025

5.1%

ROE FY2025

6.7%

Total Equity

$0.80B

Shares Out

97M

Business description

Upstart Holdings, Inc. — Finance Services. Figures are as reported in each year's original 10-K via SEC EDGAR XBRL company facts (FY2019–FY2025; structured XBRL data begins around 2008). Market-price metrics are not part of EDGAR data.

Annual (fiscal years, as reported)USD millions

default rows · click any row to chart itRevenue: 160 → 1,044 +36.7% CAGR

Fiscal yearFY2019FY2020⚑FY2021FY2022FY2023FY2024FY2025

Revenue1602298019075146371,044

Research & development(19)(39)(134)(237)(280)(254)(258)

Selling & marketing(93)(100)(333)(346)(127)(167)(302)

General & administrative(32)(46)(123)(185)(212)(231)(254)

Total operating expenses(169)(222)(708)(956)(770)(809)(1,001)

Operating income(5)12141(114)(257)(173)43

Interest expense(26)(8)(3)(11)(35)(40)(32)

Interest & investment income——21106169186204

Other income (expense), net16(5)9211924

Income tax expense00(2)000(1)

Net income06135(109)(240)(129)54

EPS — basic($0.03)$0.00$1.73($1.31)($2.87)($1.44)$0.56

EPS — diluted($0.03)$0.00$1.43($1.31)($2.87)($1.44)$0.45

Shares outstanding — basic (M)14187883848996

Shares outstanding — diluted (M)141895838489107

⚑ Weighted-average shares changed ×4.33 between FY2020 and FY2021 — likely a stock split. Per-share figures on either side are as reported and not adjusted.

Source: SEC EDGAR XBRL company facts — figures as reported in each period's original filing (structured data begins ~2008). EPS and other per-share figures are as reported and are not adjusted for later stock splits; a ⚑ marks a period where the reported share count changed by a large factor. Dollar figures in millions unless per-share. Line items a company never reports are omitted. Where a filer switched XBRL concepts, the successor concept is used and definitions can differ slightly (e.g. cash may include restricted cash; banks' revenue is net of interest expense; cost of revenue may exclude D&A; net income may be the amount available to common stockholders; debt issued/repaid may be net of issuance costs or include finance-lease obligations — each only where the original concept stopped being reported). Click a period header to open that period's source filing on EDGAR.