Upstart Inc. (UPST)
NASDAQ: UPST
· Real-Time Price · USD
51.96
-0.92 (-1.74%)
At close: Oct 03, 2025, 3:59 PM
52.03
0.13%
After-hours: Oct 03, 2025, 07:57 PM EDT
Upstart Income Statement
Financials in USD. Fiscal
year is
January - December.
| Fiscal Year | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 | Q2 2021 | Q1 2021 |
| Period Ending | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 | Sep 30, 2023 | Jun 30, 2023 | Mar 31, 2023 | Dec 31, 2022 | Sep 30, 2022 | Jun 30, 2022 | Mar 31, 2022 | Dec 31, 2021 | Sep 30, 2021 | Jun 30, 2021 | Mar 31, 2021 |
Revenue | 877.03M | 758.84M | 676.96M | 590.88M | 552.48M | 549.14M | 513.56M | 515.48M | 538.15M | 630.55M | 837.76M | 999.21M | 1.07B | 1.04B | 847.42M | 621.4M | 455.73M | 279.11M |
Cost of Revenue | 92.34M | 125.18M | 124.08M | 92.58M | 87.19M | 48.51M | 9.1M | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
Gross Profit | 777.87M | 626.84M | 518.97M | 464.38M | 465.28M | 500.63M | 504.46M | 515.48M | 538.15M | 630.55M | 837.76M | 999.21M | 1.07B | 1.04B | 847.42M | 621.4M | 455.73M | 279.11M |
Operating Income | -47.78M | -107.81M | -172.86M | -215.61M | -214.3M | -192.16M | -256.52M | -267.52M | -281.77M | -280.53M | -113.86M | 5.05M | 91.74M | 160.14M | 140.88M | 90.86M | 74.47M | 26.79M |
Interest Income | 168.5M | 175.76M | 186.36M | 196.97M | 193.82M | 174.85M | 169M | 156.22M | 140.7M | 135.76M | 105.58M | 74.9M | 57.79M | 32.36M | 20.63M | 15.72M | 16.45M | 20.63M |
Pretax Income | -6.12M | -66.23M | -128.4M | -168.09M | -201.68M | -175.37M | -240.03M | -253.42M | -269.32M | -271.02M | -109.07M | 5.92M | 89.98M | 156.12M | 133.73M | 75.86M | 57.69M | 15.28M |
Net Income | -6.35M | -66.43M | -128.58M | -168.22M | -201.78M | -175.48M | -240.13M | -253M | -268.9M | -270.61M | -108.67M | 5.54M | 90.88M | 158.03M | 135.44M | 77.53M | 58.08M | 14.61M |
Selling & General & Admin | 556.1M | 543.09M | 555.73M | 529.9M | 510.96M | 497.43M | 489.95M | 500.67M | 526.35M | 618.44M | 719.06M | 774.38M | 788M | 710.98M | 572.46M | 437.92M | 318.34M | 213.21M |
Research & Development | 126.66M | 57.84M | 63.09M | 120.24M | 120.24M | 120.24M | 57.15M | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
Other Expenses | 196.52M | 209.75M | 170.01M | 98.39M | 90.29M | 89.44M | 202.55M | 268.23M | 281.13M | 283.13M | 227.77M | 218.91M | 192.45M | 169.11M | 141.23M | 107.62M | 79.7M | 50.62M |
Operating Expenses | 879.29M | 810.67M | 788.84M | 748.53M | 721.49M | 707.12M | 749.65M | 768.9M | 807.48M | 901.57M | 946.83M | 993.29M | 980.45M | 880.09M | 713.69M | 545.54M | 398.04M | 263.83M |
Interest Expense | 40.73M | 44.43M | 48.13M | 47.07M | 45.66M | 38.48M | 34.89M | 25.35M | 18.98M | 17.02M | 10.84M | 6.8M | 4.02M | 3.2M | 3.27M | 3.87M | 5.04M | 5.8M |
Selling & Marketing Expenses | 230.77M | 190.62M | 166.8M | 150.11M | 139.92M | 130.85M | 127.14M | 139.12M | 162.44M | 243.76M | 345.78M | 409.84M | 446.82M | 417.53M | 333.45M | 253.18M | 183.56M | 113.08M |
Cost & Expenses | 916.07M | 857.91M | 839M | 795.67M | 763.24M | 732.56M | 758.75M | 768.9M | 807.48M | 901.57M | 946.83M | 993.29M | 980.45M | 880.09M | 713.69M | 545.54M | 398.04M | 263.83M |
Income Tax Expense | 234K | 200K | 185K | 137K | 102K | 105K | 107K | -420K | -418K | -412K | -409K | 378K | -902K | -1.91M | -1.71M | -1.66M | -396K | 592K |
Shares Outstanding (Basic) | 95.53M | 94.28M | 92.17M | 90.12M | 88.44M | 87.03M | 85.57M | 84.4M | 83.13M | 81.91M | 82.23M | 81.48M | 82.97M | 95.46M | 98.29M | 96.06M | 94.8M | 91.45M |
Shares Outstanding (Diluted) | 102.85M | 94.28M | 92.17M | 90.12M | 88.44M | 87.03M | 85.57M | 84.4M | 83.13M | 81.91M | 82.23M | 81.67M | 83.83M | 95.46M | 98.8M | 97.04M | 95.6M | 91.84M |
EPS (Basic) | -0.07 | -0.75 | -1.46 | -1.93 | -2.34 | -2.06 | -2.9 | -3.07 | -3.28 | -3.3 | -1.38 | n/a | 1.06 | 1.91 | 1.71 | 1.04 | 0.79 | 0.02 |
EPS (Diluted) | -0.08 | -0.75 | -1.46 | -1.93 | -2.34 | -2.06 | -2.9 | -3.07 | -3.28 | -3.3 | -1.38 | -0.11 | 0.88 | 1.63 | 1.40 | 0.84 | 0.64 | 0.03 |
EBITDA | -6.08M | -56.77M | -111.87M | -143.59M | -144.14M | -129.59M | -196.73M | -222.72M | -244.54M | -246.34M | -89.51M | 24.27M | 106.64M | 172.87M | 151.71M | 100.38M | 83.55M | 35.17M |
EBIT | -28.41M | -78.09M | -132.42M | -168.54M | -168.64M | -153.68M | -221.63M | -242.17M | -262.78M | -263.51M | -103.02M | 11.85M | 95.76M | 163.36M | 144.17M | 94.75M | 79.52M | 32.59M |
Depreciation & Amortization | 22.33M | 21.32M | 20.55M | 24.95M | 24.5M | 24.09M | 24.9M | 19.45M | 18.24M | 17.17M | 13.51M | 12.42M | 10.88M | 9.51M | 7.54M | 5.63M | 4.03M | 2.58M |