Upstart Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . Upstart Holdings
UPST Stock  USD 29.29  1.36  4.44%   
Analyzing historical trends in various income statement and balance sheet accounts from Upstart Holdings' financial statements helps investors evaluate the company's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Upstart Holdings' valuation are summarized below:
Gross Profit
887.1 M
Profit Margin
0.0498
Market Capitalization
3.1 B
Enterprise Value Revenue
4.745
Revenue
1.1 B
There are currently one hundred twenty fundamental trend indicators for Upstart Holdings that can be evaluated and compared over time across competition. All traders should double-check Upstart Holdings' current fundamentals against the performance from 2010 to 2026 and make sure the trends continue to evolve in the right direction. Market Cap is likely to drop to about 2.5 B in 2026. Enterprise Value is likely to drop to about 3.1 B in 2026

Upstart Holdings Total Revenue

555.55 Million

Check Upstart Holdings financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Upstart Holdings' main balance sheet or income statement drivers, such as Tax Provision of 764.4 K, Net Interest Income of 160.3 M or Interest Income of 214.4 M, as well as many indicators such as Price To Sales Ratio of 4.56, Dividend Yield of 0.0 or PTB Ratio of 3.65. Upstart financial statements analysis is a perfect complement when working with Upstart Holdings Valuation or Volatility modules.
  
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Upstart Holdings Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Common Stock Shares Outstanding64.4 M107.5 M40.5 M
Slightly volatile
Total Assets1.7 B3 B1.1 B
Slightly volatile
Short and Long Term Debt Total963.5 M1.9 B704.7 M
Slightly volatile
Other Current Liabilities285.3 M271.7 M235.2 M
Slightly volatile
Total Current Liabilities271.3 M401 M165.8 M
Slightly volatile
Other Liabilities66.4 M119.1 M51.6 M
Slightly volatile
Property Plant And Equipment Net74.5 M60.6 M36.3 M
Slightly volatile
Accounts Payable33.6 M32 M9.6 M
Slightly volatile
Cash500.3 M657.4 M277.8 M
Slightly volatile
Non Current Assets Total1 B1.8 B502.1 M
Slightly volatile
Non Currrent Assets Other644.6 M613.9 M145.4 M
Slightly volatile
Other Assets2.2 B2.1 B758.2 M
Slightly volatile
Long Term Debt1.8 B1.7 B464.6 M
Slightly volatile
Cash And Short Term Investments500.3 M657.4 M277.8 M
Slightly volatile
Net Receivables65.2 M97.4 M34.1 M
Slightly volatile
Common Stock Total Equity5.7 K9.2 K3.8 K
Slightly volatile
Liabilities And Stockholders Equity1.7 B3 B1.1 B
Slightly volatile
Non Current Liabilities Total930.9 M1.8 B674.6 M
Slightly volatile
Other Current Assets466.5 M444.3 M353.6 M
Slightly volatile
Other Stockholder Equity682.6 M1.2 B336.2 M
Slightly volatile
Total Liabilities1.2 B2.2 B840.4 M
Slightly volatile
Net Invested Capital1.4 B2.6 B696.8 M
Slightly volatile
Property Plant And Equipment Gross98.3 M139 M48.5 M
Slightly volatile
Short and Long Term Debt170.4 M97.3 M106.1 M
Slightly volatile
Total Current Assets717.3 M1.2 B647.1 M
Pretty Stable
Capital Stock7.4 K10 K4.1 K
Slightly volatile
Short Term Debt170.4 M97.3 M106.1 M
Slightly volatile
Intangible Assets10.2 M8.3 M5.6 M
Slightly volatile
Common Stock7.4 K10 K4.1 K
Slightly volatile
Property Plant Equipment45.8 M50.8 M23.8 M
Slightly volatile
Capital Lease Obligations20.1 M21.1 M32.1 M
Slightly volatile
Short Term Investments30.2 M41.2 M15.3 M
Slightly volatile
Long Term Debt Total925 M1.1 B786.1 M
Slightly volatile
Capital Surpluse582.3 M643.4 M721.2 M
Slightly volatile
Long Term Investments45.1 M47.4 M41 M
Slightly volatile
Non Current Liabilities Other110.6 M115.9 M102 M
Slightly volatile

Upstart Holdings Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Net Interest Income160.3 M152.7 M46.7 M
Slightly volatile
Interest Income214.4 M204.2 M66 M
Slightly volatile
Depreciation And Amortization26.1 M24.8 M7.1 M
Slightly volatile
Interest Expense27.4 M51.5 M18.7 M
Slightly volatile
Selling General Administrative245.5 M442.1 M143.1 M
Slightly volatile
Selling And Marketing Expenses191.3 M301.5 M117.2 M
Slightly volatile
Total Revenue555.6 M1.1 B323.6 M
Slightly volatile
Gross Profit1.1 B1 B318.6 M
Slightly volatile
Other Operating Expenses565.8 M1 B330.1 M
Slightly volatile
Research Development150.8 M257.6 M83.6 M
Slightly volatile
Cost Of Revenue65.1 M51.5 M39.4 M
Slightly volatile
Total Operating Expenses574.6 M969.7 M337.1 M
Slightly volatile
Reconciled Depreciation26.1 M24.8 M6.8 M
Slightly volatile

Upstart Holdings Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation80.4 M131.9 M44 M
Slightly volatile
Begin Period Cash Flow1 B976.3 M301.7 M
Slightly volatile
Depreciation26.1 M24.8 M7.1 M
Slightly volatile
Capital Expenditures11.1 M18.4 M6.3 M
Slightly volatile
End Period Cash Flow588.1 M1.1 B347.9 M
Slightly volatile
Dividends Paid6.8 M9.7 M5 M
Slightly volatile
Cash Flows Other Operating349.8 M333.2 M94.6 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio4.563.96816.3139
Slightly volatile
Days Sales Outstanding46.4933.060131.7035
Slightly volatile
Stock Based Compensation To Revenue0.0880.12270.0728
Slightly volatile
Capex To Depreciation0.70.74125.0125
Slightly volatile
EV To Sales5.215.07727.5287
Slightly volatile
Payables Turnover1.661.61153.0935
Slightly volatile
Sales General And Administrative To Revenue0.340.41110.4369
Very volatile
Capex To Revenue0.01560.01710.017
Slightly volatile
Cash Per Share5.866.73656.2283
Slightly volatile
Days Payables Outstanding365227206
Slightly volatile
Intangibles To Total Assets0.02520.02530.0193
Slightly volatile
Current Ratio4.062.99026.1231
Slightly volatile
Receivables Turnover11.9111.040514.6952
Slightly volatile
Graham Number10.59.0510.078
Pretty Stable
Capex Per Share0.150.18860.13
Slightly volatile
Revenue Per Share7.1811.02036.8288
Slightly volatile
Interest Debt Per Share17.3619.48726.0238
Slightly volatile
Debt To Assets0.410.6220.6289
Slightly volatile
Operating Cycle46.4933.060131.7035
Slightly volatile
Days Of Payables Outstanding365227206
Slightly volatile
Ebt Per Ebit1.031.271.2677
Slightly volatile
Total Debt To Capitalization0.840.69850.8042
Pretty Stable
Quick Ratio4.062.99026.1231
Slightly volatile
Net Income Per E B T0.720.98660.8757
Very volatile
Cash Ratio1.791.63941.6395
Slightly volatile
Days Of Sales Outstanding46.4933.060131.7035
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.751.12460.9254
Very volatile
Fixed Asset Turnover16.8617.7526501
Slightly volatile
Debt Ratio0.410.6220.6289
Slightly volatile
Price Sales Ratio4.563.96816.3139
Slightly volatile
Asset Turnover0.410.36150.2666
Slightly volatile
Gross Profit Margin0.750.95210.8884
Slightly volatile

Upstart Holdings Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap2.5 B4.3 B2 B
Slightly volatile
Enterprise Value3.1 B5.5 B2.4 B
Slightly volatile

Upstart Fundamental Market Drivers

Forward Price Earnings12.7877
Cash And Short Term Investments657.4 M

Upstart Upcoming Events

13th of February 2024
Upcoming Quarterly Report
View
14th of May 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
13th of February 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

About Upstart Holdings Financial Statements

Upstart Holdings shareholders use historical fundamental indicators, such as revenue or net income, to determine how well the company is positioned to perform in the future. Although Upstart Holdings investors may analyze each financial statement separately, they are all interrelated. The changes in Upstart Holdings' assets and liabilities, for example, are also reflected in the revenues and expenses on on Upstart Holdings' income statement. Understanding these patterns can help investors time the market effectively. Please read more on our fundamental analysis page.
Last ReportedProjected for Next Year
Current Deferred Revenue-348.7 M-366.1 M
Total Revenue1.1 B555.6 M
Cost Of Revenue51.5 M65.1 M
Stock Based Compensation To Revenue 0.12  0.09 
Sales General And Administrative To Revenue 0.41  0.34 
Capex To Revenue 0.02  0.02 
Revenue Per Share 11.02  7.18 
Ebit Per Revenue 0.05  0.05 

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Additional Tools for Upstart Stock Analysis

When running Upstart Holdings' price analysis, check to measure Upstart Holdings' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Upstart Holdings is operating at the current time. Most of Upstart Holdings' value examination focuses on studying past and present price action to predict the probability of Upstart Holdings' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Upstart Holdings' price. Additionally, you may evaluate how the addition of Upstart Holdings to your portfolios can decrease your overall portfolio volatility.
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