Upstart Holdings Inc
NASDAQ:UPST
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| 52 Week Range |
21.64
81
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Upstart Holdings Inc
Income Statement
Earnings Waterfall
Upstart Holdings Inc
|
Revenue
|
557.9m
USD
|
|
Cost of Revenue
|
-153.5m
USD
|
|
Gross Profit
|
404.4m
USD
|
|
Operating Expenses
|
-620m
USD
|
|
Operating Income
|
-215.6m
USD
|
|
Other Expenses
|
47.4m
USD
|
|
Net Income
|
-168.2m
USD
|
Income Statement
Upstart Holdings Inc
| Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | Jun-2024 | Sep-2024 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||||||||||||||||
| Revenue |
122
N/A
|
160
+31%
|
206
+29%
|
190
-7%
|
205
+8%
|
229
+11%
|
277
+21%
|
451
+63%
|
598
+33%
|
801
+34%
|
999
+25%
|
1 070
+7%
|
1 039
-3%
|
907
-13%
|
710
-22%
|
596
-16%
|
563
-5%
|
514
-9%
|
559
+9%
|
543
-3%
|
558
+3%
|
|
| Gross Profit | ||||||||||||||||||||||
| Cost of Revenue |
(21)
|
(25)
|
(29)
|
(31)
|
(33)
|
(38)
|
(46)
|
(64)
|
(89)
|
(118)
|
(149)
|
(176)
|
(186)
|
(188)
|
(180)
|
(166)
|
(158)
|
(150)
|
(149)
|
(151)
|
(154)
|
|
| Gross Profit |
102
N/A
|
135
+33%
|
176
+31%
|
160
-9%
|
172
+8%
|
191
+11%
|
231
+21%
|
387
+68%
|
509
+31%
|
684
+34%
|
850
+24%
|
895
+5%
|
854
-5%
|
719
-16%
|
530
-26%
|
430
-19%
|
405
-6%
|
363
-10%
|
409
+13%
|
391
-4%
|
404
+3%
|
|
| Operating Income | ||||||||||||||||||||||
| Operating Expenses |
(117)
|
(144)
|
(175)
|
(168)
|
(171)
|
(184)
|
(218)
|
(329)
|
(450)
|
(589)
|
(729)
|
(804)
|
(810)
|
(768)
|
(736)
|
(659)
|
(630)
|
(620)
|
(601)
|
(606)
|
(620)
|
|
| Selling, General & Administrative |
(103)
|
(125)
|
(152)
|
(141)
|
(139)
|
(145)
|
(167)
|
(255)
|
(349)
|
(455)
|
(564)
|
(614)
|
(590)
|
(531)
|
(438)
|
(360)
|
(343)
|
(340)
|
(348)
|
(360)
|
(376)
|
|
| Research & Development |
(14)
|
(19)
|
(23)
|
(27)
|
(32)
|
(39)
|
(51)
|
(75)
|
(102)
|
(134)
|
(165)
|
(191)
|
(220)
|
(237)
|
(297)
|
(298)
|
(287)
|
(280)
|
(233)
|
(234)
|
(244)
|
|
| Other Operating Expenses |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(20)
|
(12)
|
0
|
|
| Operating Income |
(16)
N/A
|
(9)
+43%
|
2
N/A
|
(8)
N/A
|
1
N/A
|
7
+600%
|
13
+83%
|
58
+352%
|
59
+2%
|
95
+61%
|
122
+28%
|
90
-26%
|
44
-52%
|
(49)
N/A
|
(205)
-318%
|
(229)
-11%
|
(224)
+2%
|
(257)
-14%
|
(192)
+25%
|
(214)
-12%
|
(216)
-1%
|
|
| Pre-Tax Income | ||||||||||||||||||||||
| Interest Income Expense |
0
|
4
|
0
|
0
|
0
|
5
|
8
|
14
|
32
|
47
|
38
|
2
|
(39)
|
(65)
|
(75)
|
(53)
|
(43)
|
(5)
|
0
|
0
|
0
|
|
| Non-Reccuring Items |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(1)
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
33
|
|
| Gain/Loss on Disposition of Assets |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
1
|
0
|
0
|
0
|
|
| Total Other Income |
0
|
(0)
|
3
|
8
|
9
|
(6)
|
(5)
|
(14)
|
(15)
|
(7)
|
(4)
|
(2)
|
1
|
5
|
10
|
13
|
14
|
20
|
17
|
13
|
14
|
|
| Pre-Tax Income |
(16)
N/A
|
(5)
+68%
|
4
N/A
|
(0)
N/A
|
10
N/A
|
6
-37%
|
15
+155%
|
58
+277%
|
76
+31%
|
134
+76%
|
156
+17%
|
90
-42%
|
6
-93%
|
(109)
N/A
|
(271)
-148%
|
(269)
+1%
|
(253)
+6%
|
(240)
+5%
|
(175)
+27%
|
(202)
-15%
|
(168)
+17%
|
|
| Net Income | ||||||||||||||||||||||
| Tax Provision |
0
|
(0)
|
(0)
|
(0)
|
(0)
|
(0)
|
(1)
|
0
|
2
|
2
|
2
|
1
|
(0)
|
0
|
1
|
1
|
1
|
(0)
|
(0)
|
(0)
|
(0)
|
|
| Income from Continuing Operations |
(16)
|
(5)
|
4
|
(0)
|
10
|
6
|
15
|
58
|
78
|
135
|
158
|
91
|
6
|
(109)
|
(271)
|
(269)
|
(253)
|
(240)
|
(175)
|
(202)
|
(168)
|
|
| Income to Minority Interest |
4
|
5
|
1
|
2
|
2
|
0
|
(0)
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Net Income (Common) |
(11)
N/A
|
(1)
+95%
|
6
N/A
|
1
-80%
|
11
+909%
|
6
-46%
|
15
+143%
|
58
+298%
|
78
+33%
|
135
+75%
|
158
+17%
|
91
-43%
|
6
-94%
|
(109)
N/A
|
(271)
-149%
|
(269)
+1%
|
(253)
+6%
|
(240)
+5%
|
(175)
+27%
|
(202)
-15%
|
(168)
+17%
|
|
| EPS (Diluted) |
-0.14
N/A
|
-0.01
+93%
|
0.08
N/A
|
0.01
-88%
|
0.14
+1 300%
|
0.08
-43%
|
0.16
+100%
|
0.61
+281%
|
0.81
+33%
|
1.43
+77%
|
1.64
+15%
|
1.08
-34%
|
0.06
-94%
|
-1.31
N/A
|
-3.31
-153%
|
-3.23
+2%
|
-2.99
+7%
|
-2.87
+4%
|
-2.01
+30%
|
-2.28
-13%
|
-1.99
+13%
|
|
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