Upstart Holdings, Inc.
UPST · NASDAQ
9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | |
|---|---|---|---|---|
| Revenue | $285,899 | $257,291 | $220,391 | $226,395 |
| % Growth | 11.1% | 16.7% | -2.7% | – |
| Cost of Goods Sold | $49,790 | $5,843 | $7,020 | $15,125 |
| Gross Profit | $236,109 | $251,448 | $213,371 | $211,270 |
| % Margin | 82.6% | 97.7% | 96.8% | 93.3% |
| R&D Expenses | $64,026 | $68,825 | $0 | $0 |
| G&A Expenses | $60,779 | $64,573 | $101,059 | $101,029 |
| SG&A Expenses | $139,623 | $137,678 | $160,029 | $156,492 |
| Sales & Mktg Exp. | $78,844 | $73,105 | $58,970 | $55,463 |
| Other Operating Expenses | $8,794 | $40,403 | $55,760 | $57,422 |
| Operating Expenses | $212,443 | $246,906 | $215,789 | $213,914 |
| Operating Income | $23,666 | $4,542 | -$2,418 | -$2,644 |
| % Margin | 8.3% | 1.8% | -1.1% | -1.2% |
| Other Income/Exp. Net | $8,263 | $1,114 | $0 | $0 |
| Pre-Tax Income | $31,929 | $5,656 | -$2,418 | -$2,644 |
| Tax Expense | $124 | $49 | $29 | $111 |
| Net Income | $31,805 | $5,607 | -$2,447 | -$2,755 |
| % 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 | 96,683 | 95,526 | 94,275 | 92,174 |
| Weighted Avg Shares Out Dil | 109,725 | 102,852 | 94,275 | 92,174 |
| Supplemental Information | – | – | – | – |
| Interest Income | $57,203 | $45,623 | $40,568 | $41,461 |
| Interest Expense | $8,794 | $7,772 | $7,020 | $15,125 |
| Depreciation & Amortization | $6,131 | $5,843 | $6,400 | $4,699 |
| EBITDA | $38,591 | $11,499 | $3,982 | $2,055 |
| % Margin | 13.5% | 4.5% | 1.8% | 0.9% |