Upstart Holdings
Quarterly Financials
| Values in thousands | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 |
|---|---|---|---|---|
Revenue | $285,899 | $257,291 | $220,391 | $226,395 |
Gross Profit | 236,109 | 251,448 | 213,371 | 211,270 |
EBITDA | 38,591 | 11,499 | 3,982 | 2,055 |
EBIT | 32,460 | 5,656 | -2,418 | -2,644 |
Net Income | 31,805 | 5,607 | -2,447 | -2,755 |
Net Change In Cash | 285,899 | 257,291 | 220,391 | 226,395 |
Free Cash Flow | -122,704 | -120,277 | -19,645 | -110,926 |
Cash | 836,905 | 400,556 | 605,365 | 793,607 |
Basic Shares | 109,724 | 102,852 | 94,275 | 92,174 |
Annual Financials
| Values in thousands | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
Revenue | $676,961 | $547,719 | $842,444 | $848,589 |
Gross Profit | 628,834 | 508,119 | 654,450 | 731,010 |
EBITDA | -107,847 | -215,122 | -100,350 | 148,422 |
EBIT | -128,396 | -240,025 | -113,863 | 140,881 |
Net Income | -128,581 | -240,132 | -108,665 | 135,443 |
Net Change In Cash | 676,961 | 547,719 | 842,444 | 848,589 |
Cost of Revenue | -658,774 | 879,908 | ||
Free Cash Flow | 185,494 | -162,020 | -697,594 | 153,238 |
Cash | 793,607 | 377,324 | 432,413 | 994,985 |
Basic Shares | 89,450 | 83,765 | 82,771 | 94,772 |
Earnings Calls
| Quarter | EPS |
|---|---|
2025-12-31 | $0 |
2025-09-30 | $0.52 |
2025-06-30 | $0.36 |
2025-03-31 | $0.30 |
