Upstart Holdings, Inc. Common stock (UPST) Financial Statements
Historical financial data — 22 statements covering FY2021–FY2025
Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and conne...
Upstart Holdings, Inc. Common stock's revenue increased 64.0% year over year, from $636.5M to $1.04B.
Net income increased 141.7% over the same period, from $-128.6M to $53.6M.
Over the 4-year period from FY2021 to FY2025, revenue grew by 23% in total.
Operating cash flow declined 179.3% to $-147.7M.
Upstart Holdings, Inc. Common stock maintains a moderate net profit margin of 5.1%.
Recent Financial Statements
Quarterly figures are standalone quarters, de-cumulated from YTD filings (Q4 = FY − Q3 YTD when not reported).
| Period | Revenue | Net Income | Gross Profit | EBIT | Op. Cash Flow | Total Assets | Total Debt | Equity |
|---|---|---|---|---|---|---|---|---|
| Q3 FY2024 | $140.0M-6.6% | $-6.8M | $133.7M | $-67.3M | $179.3M | $1.81B | $1.04B | $595.5M |
| Q4 FY2024 | $219.0M+56.5% | $-2.8M | N/A | $-4.8M | $-110.9M | $2.37B | N/A | $633.2M |
| Q1 FY2025 | $213.4M-2.6% | $-2.4M | $179.9M | $2.5M | $-13.5M | $2.30B | $1.46B | $676.6M |
| Q2 FY2025 | $257.3M+20.6% | $5.6M | $218.8M | $12.3M | $-120.2M | $2.48B | $1.54B | $722.0M |
| Q3 FY2025 | $277.1M+7.7% | $31.8M | $236.1M | $8.9M | $-122.6M | $2.90B | $1.95B | $743.7M |
| Q4 FY2025 | $296.1M+6.9% | $18.6M | N/A | $18.9M | $108.6M | $2.97B | N/A | $798.8M |
| Q1 FY2026 | $308.2M+4.1% | $-6.6M | $263.5M | $2.9M | $-133.3M | $2.96B | $1.98B | $733.2M |
| Q2 FY2026 | $364.7M+18.3% | $16.5M | $315.9M | $27.2M | $-136.6M | $3.17B | $2.06B | $797.5M |
Balance Sheet Summary (Q2 FY2026)
Upstart Holdings, Inc. Common stock (UPST) Financial Statements & Revenue History
Upstart Holdings, Inc. Common stock (UPST) is a US-listed stock operating in the Financial Services sector, specifically the Finance Services industry trading at $23.25 with a market capitalization of $2. This page provides 22 historical financial statements for Upstart Holdings, Inc. Common stock, including income statement, balance sheet, and cash flow data across multiple reporting periods. Most recently, Upstart Holdings, Inc. Common stock reported revenue of $1.0 billion, representing 64.0% year-over-year growth. The net profit margin of 5.1% indicates moderate profitability..
UPST Income Statement, Balance Sheet & Cash Flow
The financial statements table above shows Upstart Holdings, Inc. Common stock's revenue, net income, gross profit, EBIT, operating cash flow, total assets, total debt, and shareholders' equity across the most recent reporting periods. Year-over-year growth rates help identify whether UPST is accelerating or decelerating in terms of top-line revenue and bottom-line profitability.
- Revenue trend: Track UPST's top-line growth across quarters and fiscal years to identify acceleration or deceleration in the business.
- Profitability: Net income and gross profit margins reveal how efficiently Upstart Holdings, Inc. Common stock converts revenue into earnings.
- Balance sheet health: Total assets, liabilities, debt, and equity provide a snapshot of UPST's financial position and leverage.
- Cash flow: Operating cash flow shows how much cash the business generates from its core operations, which is critical for funding dividends, buybacks, and growth.
How to Use UPST Financial Data
Investors use Upstart Holdings, Inc. Common stock's financial statements to assess the company's financial health, growth trajectory, and valuation. Key metrics to focus on include:
- Revenue growth rate: Consistent double-digit revenue growth suggests a strong business; declining revenue may signal competitive pressure.
- Net profit margin: Higher margins indicate a more efficient business with pricing power. Compare UPST's margins to sector peers for context.
- Debt levels: High debt-to-equity ratios increase financial risk, especially in rising-rate environments. Low debt provides flexibility.
- Valuation multiples: See how UPST's P/E, P/S, and EV/EBITDA ratios compare to historical levels.
- Full analysis: View UPST's financial health score, earnings, and pre-market pricing.
Financial data is sourced from Upstart Holdings, Inc. Common stock's SEC filings (10-K, 10-Q) via Polygon.io and Finnhub.UPST trades on NYSE. This page is for informational purposes only and is not financial advice.