Upstart Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . Upstart Holdings
UPST Stock  USD 44.96  1.61  3.46%   
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
820.6 M
Profit Margin
0.0323
Market Capitalization
4.5 B
Enterprise Value Revenue
6.7927
Revenue
997.7 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 gain to about 5.8 B in 2025. Enterprise Value is likely to gain to about 6.5 B in 2025

Upstart Holdings Total Revenue

477.11 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 194.2 K, Net Interest Income of 145.1 M or Interest Income of 195.7 M, as well as many indicators such as Price To Sales Ratio of 4.74, Dividend Yield of 0.0 or PTB Ratio of 9.13. 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 Outstanding57.7 M89.5 M35.9 M
Slightly volatile
Total Assets1.5 B2.4 B1 B
Slightly volatile
Short and Long Term Debt Total810.4 M1.5 B623.6 M
Slightly volatile
Other Current Liabilities77.9 M102.3 M220 M
Slightly volatile
Total Current Liabilities247 M310.3 M149.6 M
Slightly volatile
Other Liabilities66.4 M119.1 M48.3 M
Slightly volatile
Property Plant And Equipment Net75.6 M82.5 M34.9 M
Slightly volatile
Accounts Payable11.6 M12.4 M6.8 M
Slightly volatile
Cash468.4 M793.6 M252.1 M
Slightly volatile
Non Current Assets Total886.2 M1.4 B414.2 M
Slightly volatile
Non Currrent Assets Other430.1 M409.6 M102.7 M
Slightly volatile
Other Assets635.6 M1.2 B572.1 M
Pretty Stable
Long Term Debt1.3 B1.2 B350.9 M
Slightly volatile
Cash And Short Term Investments468.4 M793.6 M252.1 M
Slightly volatile
Net Receivables132.9 M126.6 M34.4 M
Slightly volatile
Common Stock Total Equity5.7 K9.2 K3.6 K
Slightly volatile
Liabilities And Stockholders Equity1.5 B2.4 B1 B
Slightly volatile
Non Current Liabilities Total785 M1.4 B596.7 M
Slightly volatile
Other Current Assets27.4 M28.8 M320.5 M
Slightly volatile
Other Stockholder Equity598.5 M1 B279.6 M
Slightly volatile
Total Liabilities1 B1.7 B746.3 M
Slightly volatile
Net Invested Capital1.2 B2 B562.5 M
Slightly volatile
Property Plant And Equipment Gross90.5 M137.9 M42.4 M
Slightly volatile
Short and Long Term Debt179.4 M195.6 M107.2 M
Slightly volatile
Total Current Assets631.3 M949 M607.2 M
Very volatile
Capital Stock6.9 K10.3 K3.8 K
Slightly volatile
Short Term Debt179.4 M195.6 M107.2 M
Slightly volatile
Intangible Assets10.4 M9.4 M5.5 M
Slightly volatile
Common Stock6.9 K10.3 K3.8 K
Slightly volatile
Property Plant Equipment45.8 M50.8 M22.6 M
Slightly volatile
Capital Lease Obligations64.2 M50.3 M35.5 M
Slightly volatile
Short Term Investments4.9 M5.2 M12.1 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 Investments45 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 Income145.1 M138.2 M39.1 M
Slightly volatile
Interest Income195.7 M186.4 M56.2 M
Slightly volatile
Depreciation And Amortization21.6 M20.5 M5.8 M
Slightly volatile
Interest Expense50.5 M48.1 M17.8 M
Slightly volatile
Selling General Administrative215.3 M388.9 M122.6 M
Slightly volatile
Selling And Marketing Expenses173.7 M166.8 M104.6 M
Slightly volatile
Total Revenue477.1 M677 M271.8 M
Slightly volatile
Gross Profit410.9 M628.8 M233 M
Slightly volatile
Other Operating Expenses496.1 M805.4 M282.6 M
Slightly volatile
Research Development134.2 M253.7 M71.7 M
Slightly volatile
Cost Of Revenue66.2 M48.1 M38.7 M
Slightly volatile
Total Operating Expenses513.1 M757.2 M293.7 M
Slightly volatile
Reconciled Depreciation21.6 M20.5 M5.4 M
Slightly volatile

Upstart Holdings Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation72.4 M133.4 M38 M
Slightly volatile
Begin Period Cash Flow388.1 M467.8 M219.8 M
Slightly volatile
Depreciation21.6 M20.5 M5.8 M
Slightly volatile
Capital Expenditures795.1 K837 K3.7 M
Slightly volatile
End Period Cash Flow516.3 M976.3 M299 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 Ratio4.748.13556.4718
Pretty Stable
Days Sales Outstanding34.8668.236330.8918
Slightly volatile
Stock Based Compensation To Revenue0.190.180.0674
Slightly volatile
Capex To Depreciation0.03870.04075.1838
Slightly volatile
EV To Sales5.389.10887.6926
Slightly volatile
Payables Turnover4.083.88723.3373
Slightly volatile
Sales General And Administrative To Revenue0.340.57450.4385
Very volatile
Capex To Revenue0.00120.00120.014
Pretty Stable
Cash Per Share5.948.87216.2016
Slightly volatile
Days Payables Outstanding89.293.8987188
Slightly volatile
Intangibles To Total Assets0.02620.03230.0189
Slightly volatile
Current Ratio4.173.05856.3257
Slightly volatile
Receivables Turnover5.085.349114.4968
Slightly volatile
Capex Per Share0.00890.00940.1032
Pretty Stable
Revenue Per Share6.987.5686.5544
Slightly volatile
Interest Debt Per Share16.7516.775526.3872
Slightly volatile
Debt To Assets0.390.61360.6281
Slightly volatile
Graham Number11.7218.0711.972
Slightly volatile
Operating Cycle34.8668.236330.8918
Slightly volatile
Days Of Payables Outstanding89.293.8987188
Slightly volatile
Ebt Per Ebit1.031.271.259
Slightly volatile
Total Debt To Capitalization0.850.69640.8115
Pretty Stable
Quick Ratio4.173.05856.3257
Slightly volatile
Net Income Per E B T0.711.00140.8682
Very volatile
Cash Ratio1.862.55771.6439
Slightly volatile
Days Of Sales Outstanding34.8668.236330.8918
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.740.99550.9092
Pretty Stable
Fixed Asset Turnover7.88.2088530
Slightly volatile
Debt Ratio0.390.61360.6281
Slightly volatile
Price Sales Ratio4.748.13556.4718
Pretty Stable
Asset Turnover0.410.2860.2606
Slightly volatile
Gross Profit Margin0.750.92890.8844
Slightly volatile

Upstart Holdings Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap5.8 B5.5 B2 B
Slightly volatile
Enterprise Value6.5 B6.2 B2.4 B
Slightly volatile

Upstart Fundamental Market Drivers

Forward Price Earnings125
Cash And Short Term Investments793.6 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 Revenue677 M477.1 M
Cost Of Revenue48.1 M66.2 M
Stock Based Compensation To Revenue 0.18  0.19 
Sales General And Administrative To Revenue 0.57  0.34 
Revenue Per Share 7.57  6.98 
Ebit Per Revenue(0.19)(0.20)

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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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