Upstart Holdings
Quarterly Financials
| Values in thousands | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 |
|---|---|---|---|---|
Revenue | $304,168 | $285,899 | $265,063 | $220,391 |
Gross Profit | 276,218 | 277,105 | 257,291 | 213,371 |
EBITDA | 25,623 | 38,060 | 11,499 | 3,982 |
EBIT | 19,162 | 31,929 | 5,656 | -2,418 |
Net Income | 18,636 | 31,805 | 5,607 | -2,447 |
Net Change In Cash | 304,168 | 285,899 | 265,063 | 220,391 |
Free Cash Flow | 104,633 | -126,592 | -124,528 | -19,645 |
Cash | 657,445 | 494,887 | 400,556 | 605,365 |
Basic Shares | 112,223 | 109,724 | 102,852 | 94,275 |
Annual Financials
| Values in thousands | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
Revenue | $1,075,521 | $676,961 | $547,719 | $842,444 |
Gross Profit | 1,023,985 | 628,834 | 508,119 | 654,450 |
EBITDA | 79,164 | -107,847 | -215,122 | -100,350 |
EBIT | 54,329 | -128,396 | -240,025 | -113,863 |
Net Income | 53,601 | -128,581 | -240,132 | -108,665 |
Net Change In Cash | 1,075,521 | 676,961 | 547,719 | 842,444 |
Cost of Revenue | -658,774 | |||
Free Cash Flow | -166,132 | 176,341 | -123,798 | -680,773 |
Cash | 657,445 | 793,607 | 377,324 | 432,413 |
Basic Shares | 107,492 | 89,450 | 83,765 | 82,771 |
Earnings Calls
| Quarter | EPS |
|---|---|
2026-03-31 | $0 |
2025-12-31 | $0.17 |
2025-09-30 | $0.52 |
2025-06-30 | $0.36 |
