UPST NASDAQ
Upstart Holdings, Inc.
1W: -2.9%
1M: -16.9%
3M: -1.5%
YTD: -37.1%
1Y: -38.1%
3Y: +48.9%
5Y: -72.1%
$28.56
-0.29 (-1.01%)
Weekly Expected Move ±9.6%
$24
$27
$30
$32
$35
Overview
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Chart
Smart Money
Financials
Income Statement
Cash Flow
Balance Sheet
Earnings
Dividends
Analysis
Technicals
Weather
Peers
ESG
Institutions
ETF Exposure
Dark Pool
Short Interest
Supply Chain
Revenue Segmentation
By Product / Service
Revenue by Segment (5-Year Trend)
Income Trends
Revenue
$1.1B
+58.9% ▲
5Y CAGR: +36.1%
Gross Profit
$1.0B
+62.8% ▲
5Y CAGR: +35.8%
Operating Income
$54M
+142.3% ▲
5Y CAGR: +55.6%
Net Income
$54M
+141.7% ▲
5Y CAGR: +55.0%
EPS (Diluted)
$0.45
+131.2% ▲
5Y CAGR: +14.4%
EBITDA
$79M
+173.4% ▲
5Y CAGR: +57.3%
Profit Margins
Year-over-Year Growth
View Full Income Statement
| Line Item | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| Revenue | $850M | $853M | $548M | $677M | $1.1B |
| YoY Growth | +269.4% | +0.4% | -35.8% | +23.6% | +58.9% |
| Cost of Revenue | $3M | $16M | $40M | $48M | $52M |
| Gross Profit | $847M | $838M | $508M | $629M | $1.0B |
| Gross Margin | 99.6% | 98.2% | 92.8% | 92.9% | 95.2% |
| R&D Expenses | $0 | $0 | $0 | $0 | $0 |
| SG&A Expenses | $572M | $719M | $490M | $556M | $744M |
| Operating Expenses | $713M | $947M | $748M | $757M | $970M |
| Operating Income | $134M | -$109M | -$240M | -$128M | $54M |
| Operating Margin | 15.7% | -12.8% | -43.8% | -19.0% | 5.1% |
| Interest Expense | $3M | $11M | $35M | $48M | $52M |
| Income Before Tax | $134M | -$109M | -$240M | -$128M | $54M |
| Tax Expense | -$2M | -$409K | $107K | $185K | $728K |
| Net Income | $135M | -$109M | -$240M | -$129M | $54M |
| Net Margin | 15.9% | -12.7% | -43.8% | -19.0% | 5.0% |
| EPS (Diluted) | $1.43 | $-1.31 | $-2.87 | $-1.44 | $0.45 |
| EBITDA | $141M | -$96M | -$215M | -$108M | $79M |
| Shares Outstanding | 95M | 83M | 84M | 89M | 107M |