Upstart Holdings, Inc.
UPST · NASDAQ
9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | |
|---|---|---|---|---|
| Revenue | $286 | $257 | $220 | $226 |
| % Growth | 11.1% | 16.7% | -2.7% | – |
| Cost of Goods Sold | $50 | $6 | $7 | $15 |
| Gross Profit | $236 | $251 | $213 | $211 |
| % Margin | 82.6% | 97.7% | 96.8% | 93.3% |
| R&D Expenses | $64 | $69 | $0 | $0 |
| G&A Expenses | $61 | $65 | $101 | $101 |
| SG&A Expenses | $140 | $138 | $160 | $156 |
| Sales & Mktg Exp. | $79 | $73 | $59 | $55 |
| Other Operating Expenses | $9 | $40 | $56 | $57 |
| Operating Expenses | $212 | $247 | $216 | $214 |
| Operating Income | $24 | $5 | -$2 | -$3 |
| % Margin | 8.3% | 1.8% | -1.1% | -1.2% |
| Other Income/Exp. Net | $8 | $1 | $0 | $0 |
| Pre-Tax Income | $32 | $6 | -$2 | -$3 |
| Tax Expense | $0 | $0 | $0 | $0 |
| Net Income | $32 | $6 | -$2 | -$3 |
| % Margin | 11.1% | 2.2% | -1.1% | -1.2% |
| EPS | 0.33 | 0.059 | -0.026 | -0.03 |
| % Growth | 462.2% | 325.8% | 13% | – |
| EPS Diluted | 0.23 | 0.055 | -0.026 | -0.03 |
| Weighted Avg Shares Out | 97 | 96 | 94 | 92 |
| Weighted Avg Shares Out Dil | 110 | 103 | 94 | 92 |
| Supplemental Information | – | – | – | – |
| Interest Income | $57 | $46 | $41 | $41 |
| Interest Expense | $9 | $8 | $7 | $15 |
| Depreciation & Amortization | $6 | $6 | $6 | $5 |
| EBITDA | $39 | $11 | $4 | $2 |
| % Margin | 13.5% | 4.5% | 1.8% | 0.9% |