Upstart Holdings Inc. (UPST) Financials
Income statement, balance sheet, and financial data
Annual Financials
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | 1B | 636.5M | 513.6M | 842.4M | 848.6M |
| Cost of Revenue | — | — | — | — | — |
| Gross Profit | — | — | — | — | — |
| Operating Income | 42.6M | -172.9M | -256.5M | -113.9M | 140.9M |
| Net Income | 53.6M | -128.6M | -240.1M | -108.7M | 135.4M |
| EPS (Basic) | $0.56 | $-1.44 | $-2.87 | $-1.31 | $1.73 |
| EPS (Diluted) | $0.45 | $-1.44 | $-2.87 | $-1.31 | $1.43 |
| Balance Sheet | |||||
| Total Assets | 3B | 2.4B | 2B | 1.9B | 1.8B |
| Total Liabilities | 2.2B | 1.7B | 1.4B | 1.3B | 1B |
| Stockholders' Equity | 798.8M | 633.2M | 635.3M | 672.4M | 807.1M |
| Cash & Equivalents | 652.4M | 788.4M | 368.4M | — | — |
| Total Debt | — | — | — | — | — |
Quarterly Financials
| Metric | Q2 2026 | Q1 2026 | Q1 2026 | Q3 2025 | Q2 2025 | Q1 2025 | Q1 2025 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||
| Revenue | 672.9M | 308.2M | — | 747.8M | 470.7M | 213.4M | — | 417.6M |
| Cost of Revenue | — | — | — | — | — | — | — | — |
| Gross Profit | — | — | — | — | — | — | — | — |
| Operating Income | 7.1M | -7.5M | — | 23.7M | 46K | -4.5M | — | -168.1M |
| Net Income | 9.9M | -6.6M | — | 35M | 3.2M | -2.4M | — | -125.8M |
| EPS (Basic) | $0.10 | $-0.07 | — | $0.37 | $0.03 | $-0.03 | — | $-1.42 |
| EPS (Diluted) | $0.10 | $-0.07 | — | $0.28 | $0.03 | $-0.03 | — | $-1.42 |
| Balance Sheet | ||||||||
| Total Assets | 3.2B | 3B | 3B | 2.9B | 2.5B | 2.3B | 2.4B | 1.8B |
| Total Liabilities | 2.4B | 2.2B | 2.2B | 2.2B | 1.8B | 1.6B | 1.7B | 1.2B |
| Stockholders' Equity | 797.5M | 733.2M | 798.8M | 743.7M | 722M | 676.6M | 633.2M | 595.5M |
| Cash & Equivalents | 456M | 472.9M | 652.4M | 489.8M | 395.9M | 599.8M | 788.4M | — |
| Total Debt | — | — | — | — | — | — | — | — |