Upstart Holdings, Inc.
UPST · NASDAQ
9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | |
|---|---|---|---|---|
| Operating Activities | – | – | – | – |
| Net Income | $31,805 | $5,607 | -$2,447 | -$2,755 |
| Dep. & Amort. | $6,131 | $5,843 | $6,400 | $4,699 |
| Deferred Tax | $0 | $0 | $0 | $0 |
| Stock-Based Comp. | $0 | $0 | $29,831 | $0 |
| Change in WC | -$119,606 | -$130,494 | -$42,696 | -$131,097 |
| Other Non-Cash | -$40,959 | -$1,118 | -$4,574 | $18,227 |
| Operating Cash Flow | -$122,629 | -$120,162 | -$13,486 | -$110,926 |
| Investing Activities | – | – | – | – |
| PP&E Inv. | -$3,963 | -$4,366 | -$6,159 | -$3,419 |
| Net Acquisitions | $49,268 | $27,596 | $0 | $4,615 |
| Inv. Purchases | -$288,109 | -$228,024 | $0 | -$126,516 |
| Inv. Sales/Matur. | $123,003 | $91,124 | $0 | $45,498 |
| Other Inv. Act. | -$705 | $3,836 | -$72,410 | $1,913 |
| Investing Cash Flow | -$120,506 | -$109,834 | -$78,569 | -$77,909 |
| Financing Activities | – | – | – | – |
| Debt Repay. | $371,167 | $81,718 | -$80,074 | $541,689 |
| Stock Issued | $8,385 | $1,657 | $12,901 | $1,448 |
| Stock Repurch. | $0 | $0 | $0 | $0 |
| Dividends Paid | $0 | $0 | $0 | $0 |
| Other Fin. Act. | -$972 | $8,553 | $22,493 | -$33,806 |
| Financing Cash Flow | $378,580 | $91,928 | -$44,680 | $509,331 |
| Forex Effect | $0 | $0 | $0 | $0 |
| Net Chg. in Cash | $135,445 | -$138,068 | -$136,735 | $320,496 |
| Supplemental Information | – | – | – | – |
| Beg. Cash | $701,460 | $839,528 | $976,263 | $655,767 |
| End Cash | $836,905 | $701,460 | $839,528 | $976,263 |
| Free Cash Flow | -$122,704 | -$120,277 | -$19,645 | -$110,926 |