Upstart Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . Upstart Holdings
UPST Stock  USD 66.07  0.45  0.68%   
Upstart Holdings financial statements provide useful quarterly and yearly information to potential Upstart Holdings investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Upstart Holdings financial statements helps investors assess Upstart Holdings' valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Upstart Holdings' valuation are summarized below:
Gross Profit
451.4 M
Profit Margin
(0.28)
Market Capitalization
6 B
Enterprise Value Revenue
12.6879
Revenue
604.9 M
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 2025 and make sure the trends continue to evolve in the right direction. Market Cap is likely to drop to about 2.5 B in 2025. Enterprise Value is likely to drop to about 3.2 B in 2025

Upstart Holdings Total Revenue

433.53 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 Net Interest Income of 158 M, Interest Income of 188.6 M or Depreciation And Amortization of 30.1 M, as well as many indicators such as Price To Sales Ratio of 6.28, Dividend Yield of 0.0 or PTB Ratio of 10.6. Upstart financial statements analysis is a perfect complement when working with Upstart Holdings Valuation or Volatility modules.
  
Check out the analysis of Upstart Holdings Correlation against competitors.
For more information on how to buy Upstart Stock please use our How to Invest in Upstart Holdings guide.

Upstart Holdings Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Common Stock Shares Outstanding68.5 M96.3 M43.6 M
Slightly volatile
Total Assets1.3 B2.3 B1 B
Slightly volatile
Short and Long Term Debt Total1.5 B1.4 B461.3 M
Slightly volatile
Total Current Liabilities120.4 M125.5 M295 M
Slightly volatile
Other Liabilities66.4 M119.1 M48.3 M
Slightly volatile
Property Plant And Equipment Net59.1 M76 M29.3 M
Slightly volatile
Accounts Payable11.2 M14.5 M6.9 M
Slightly volatile
Cash394.8 M423.7 M222.9 M
Slightly volatile
Non Current Assets Total224.7 M434.8 M118.6 M
Slightly volatile
Other Assets1.091.15458 M
Slightly volatile
Long Term Debt460.2 M750.9 M272 M
Slightly volatile
Cash And Short Term Investments394.8 M423.7 M222.9 M
Slightly volatile
Net Receivables34.6 M63.6 M23.4 M
Slightly volatile
Common Stock Total Equity5.7 K9.2 K3.6 K
Slightly volatile
Liabilities And Stockholders Equity1.3 B2.3 B1 B
Slightly volatile
Non Current Liabilities Total1.6 B1.5 B457.4 M
Slightly volatile
Other Current Assets1.5 B1.5 B405.8 M
Slightly volatile
Other Stockholder Equity1.1 B1.1 B312.6 M
Slightly volatile
Total Liabilities915.1 M1.6 B818.8 M
Slightly volatile
Net Invested Capital974.8 M1.9 B544.4 M
Slightly volatile
Property Plant And Equipment Gross80.3 M155 M42.8 M
Slightly volatile
Short and Long Term Debt467.8 M445.5 M140.9 M
Slightly volatile
Total Current Assets958.4 M1.9 B547 M
Slightly volatile
Capital Stock6.4 K10.3 K3.7 K
Slightly volatile
Short Term Debt467.8 M445.5 M140.9 M
Slightly volatile
Common Stock6.4 K10.3 K3.7 K
Slightly volatile
Property Plant Equipment45.8 M50.8 M22.6 M
Slightly volatile
Capital Lease Obligations66 M71.7 M36.9 M
Slightly volatile
Intangible Assets21.1 M13.1 M9.4 M
Slightly volatile
Short Term Investments33.3 M47.4 M16.5 M
Slightly volatile
Long Term Debt Total925 M1.1 B773.6 M
Slightly volatile
Capital Surpluse582.3 M643.4 M721.6 M
Slightly volatile
Long Term Investments44.9 M47.4 M40.9 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 Income158 M150.5 M40.7 M
Slightly volatile
Interest Income188.6 M179.6 M55.4 M
Slightly volatile
Depreciation And Amortization30.1 M28.6 M6.8 M
Slightly volatile
Interest Expense42.1 M40.1 M16.7 M
Slightly volatile
Selling General Administrative161.4 M244.2 M100.8 M
Slightly volatile
Selling And Marketing Expenses172.3 M146.2 M103.3 M
Slightly volatile
Total Revenue433.5 M590.6 M261.5 M
Slightly volatile
Gross Profit367.7 M562 M225 M
Slightly volatile
Other Operating Expenses929.9 M885.6 M313.6 M
Slightly volatile
Research Development338.3 M322.2 M88.8 M
Slightly volatile
Cost Of Revenue27.2 M28.6 M34.1 M
Slightly volatile
Total Operating Expenses470.9 M885.6 M300.4 M
Slightly volatile
Reconciled Depreciation23.5 M22.4 M5.7 M
Slightly volatile

Upstart Holdings Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation211.4 M201.3 M50.9 M
Slightly volatile
Begin Period Cash Flow370 M612.3 M227.7 M
Slightly volatile
Depreciation30.1 M28.6 M6.8 M
Slightly volatile
Capital Expenditures1.7 M1.8 M3.8 M
Slightly volatile
End Period Cash Flow436.6 M538 M266.7 M
Slightly volatile
Dividends Paid6.8 M9.7 M4.7 M
Slightly volatile
Cash Flows Other Operating349.8 M333.2 M82.4 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio6.286.06.8842
Pretty Stable
PTB Ratio10.66.26.9446
Slightly volatile
Book Value Per Share5.186.836.8311
Pretty Stable
Stock Based Compensation To Revenue0.320.310.0902
Slightly volatile
Capex To Depreciation0.0670.07055.1874
Slightly volatile
PB Ratio10.66.26.9446
Slightly volatile
EV To Sales10.049.598.0057
Slightly volatile
Payables Turnover1.691.785.4627
Very volatile
Sales General And Administrative To Revenue0.390.370.2436
Slightly volatile
Research And Ddevelopement To Revenue0.520.490.1847
Slightly volatile
Capex To Revenue0.00250.00270.0128
Very volatile
Cash Per Share4.244.45.1137
Very volatile
Days Payables Outstanding17516689.7045
Slightly volatile
Intangibles To Total Assets0.02280.0350.0154
Slightly volatile
Current Ratio9.7110.5810.2303
Slightly volatile
Tangible Book Value Per Share4.675.986.4613
Slightly volatile
Graham Number20.919.9112.687
Slightly volatile
Shareholders Equity Per Share5.066.836.3449
Very volatile
Debt To Equity2.312.233.8192
Slightly volatile
Capex Per Share0.01560.01640.0743
Pretty Stable
Revenue Per Share5.375.525.7188
Slightly volatile
Interest Debt Per Share14.817.3525.7282
Slightly volatile
Debt To Assets0.570.70.6639
Slightly volatile
Short Term Coverage Ratios0.770.430.7664
Slightly volatile
Price Book Value Ratio10.66.26.9446
Slightly volatile
Days Of Payables Outstanding17516689.7045
Slightly volatile
Company Equity Multiplier3.843.655.3147
Slightly volatile
Long Term Debt To Capitalization0.590.750.7025
Slightly volatile
Total Debt To Capitalization0.650.760.7319
Slightly volatile
Debt Equity Ratio2.312.233.8192
Slightly volatile
Quick Ratio9.7110.5810.2303
Slightly volatile
Net Income Per E B T0.70.90.8612
Very volatile
Cash Ratio3.352.382.4397
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.730.970.9111
Very volatile
Price To Book Ratio10.66.26.9446
Slightly volatile
Fixed Asset Turnover8.498.94698
Slightly volatile
Debt Ratio0.570.70.6639
Slightly volatile
Price Sales Ratio6.286.06.8842
Pretty Stable
Asset Turnover0.310.230.2779
Slightly volatile
Gross Profit Margin0.690.860.8442
Pretty Stable
Price Fair Value10.66.26.9446
Slightly volatile

Upstart Holdings Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap2.5 B3.1 B1.9 B
Slightly volatile
Enterprise Value3.2 B3.9 B2.3 B
Slightly volatile

Upstart Fundamental Market Drivers

Forward Price Earnings69.4444
Cash And Short Term Investments368.4 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 Revenue590.6 M433.5 M
Cost Of Revenue28.6 M27.2 M
Stock Based Compensation To Revenue 0.31  0.32 
Sales General And Administrative To Revenue 0.37  0.39 
Research And Ddevelopement To Revenue 0.49  0.52 
Revenue Per Share 5.52  5.37 
Ebit Per Revenue(0.57)(0.55)

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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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