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Upstart (UPST) Financials

$52.00 +1.92 (+3.83%)

Closing price 05/5/2025 04:00 PM Eastern

Extended Trading

$51.22 -0.77 (-1.49%)

As of 05:16 AM Eastern

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Annual Income Statements for Upstart

This table shows Upstart's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2019	2020	2021	2022	2023	2024
Period end date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	-0.47	5.98	135	-109	-240	-129
Consolidated Net Income / (Loss)	-5.02	5.58	135	-109	-240	-129
Net Income / (Loss) Continuing Operations	-5.02	5.58	135	-109	-240	-128
Total Pre-Tax Income	-4.95	5.95	134	-109	-240	-127
Total Operating Income	-4.58	12	141	-114	-257	-173
Total Gross Profit	164	233	822	907	560	635
Total Revenue	164	233	822	907	560	635
Operating Revenue	164	233	822	907	560	635
Total Cost of Revenue	0.00	0.00	0.00	0.00	0.00	0.00
Total Operating Expenses	169	222	708	956	770	809
Selling, General & Admin Expense	32	46	123	185	212	231
Marketing Expense	93	100	333	346	127	167
Research & Development Expense	19	39	134	237	280	254
Other Operating Expenses / (Income)	25	38	118	188	150	158
Total Other Income / (Expense), net	-0.37	-5.82	20	-60	-30	46
Interest Expense	-	-	-27	175	221	160
Interest & Investment Income	-	-	-	106	169	186
Other Income / (Expense), net	-0.37	-5.82	-7.15	9.47	21	19
Income Tax Expense	0.07	0.37	-1.71	-0.41	0.11	0.19
Basic Earnings per Share	($0.03)	$0.00	$1.73	($1.31)	($2.87)	($1.44)
Weighted Average Basic Shares Outstanding	14.34M	17.51M	78.11M	82.77M	83.77M	89.45M
Diluted Earnings per Share	($0.03)	$0.00	$1.43	($1.31)	($2.87)	($1.44)
Weighted Average Diluted Shares Outstanding	14.34M	17.51M	94.77M	82.77M	83.77M	89.45M
Weighted Average Basic & Diluted Shares Outstanding	-	-	84.06M	81.39M	86.43M	93.71M

This table shows Upstart's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	-56	-55	-129	-28	-40	-42	-65	-54	-6.76	-2.76
Consolidated Net Income / (Loss)	-56	-55	-129	-28	-40	-42	-65	-54	-6.76	-2.76
Net Income / (Loss) Continuing Operations	-56	-55	-129	-28	-40	-42	-65	-54	-6.76	-1.69
Total Pre-Tax Income	-56	-56	-129	-28	-40	-42	-65	-54	-6.71	-1.58
Total Operating Income	-58	-58	-132	-33	-44	-48	-67	-55	-45	-4.75
Total Gross Profit	179	183	117	144	147	153	138	131	168	199
Total Revenue	179	183	117	144	147	153	138	131	168	199
Operating Revenue	179	183	117	144	147	153	138	131	168	199
Total Operating Expenses	215	205	235	169	178	188	195	183	207	224
Selling, General & Admin Expense	48	47	53	50	54	56	58	53	60	60
Marketing Expense	56	51	31	24	33	39	35	33	43	55
Research & Development Expense	66	64	110	58	55	57	63	58	65	67
Other Operating Expenses / (Income)	45	43	41	37	37	36	39	39	39	41
Total Other Income / (Expense), net	-20	-34	-12	-2.73	-8.66	-7.37	-7.39	-1.87	33	22
Interest Expense	3.05	169	60	42	50	69	61	56	13	29
Interest & Investment Income	22	-	45	34	38	52	51	53	41	41
Other Income / (Expense), net	-39	67	2.60	5.20	3.54	9.87	2.88	1.03	5.08	9.80
Income Tax Expense	0.01	-0.46	0.02	0.02	0.01	0.06	0.01	0.02	0.05	0.11
Basic Earnings per Share	($0.69)	($0.65)	($1.58)	($0.34)	($0.48)	($0.47)	($0.74)	($0.62)	($0.07)	($0.01)
Weighted Average Basic Shares Outstanding	81.67M	82.77M	81.91M	83.13M	84.40M	83.77M	87.03M	88.44M	90.12M	89.45M
Diluted Earnings per Share	($0.69)	($0.60)	($1.58)	($0.34)	($0.48)	($0.47)	($0.74)	($0.62)	($0.07)	($0.01)
Weighted Average Diluted Shares Outstanding	81.67M	82.77M	81.91M	83.13M	84.40M	83.77M	87.03M	88.44M	90.12M	89.45M
Weighted Average Basic & Diluted Shares Outstanding	81.88M	81.39M	82.67M	83.89M	85.06M	86.43M	87.88M	89.51M	91.23M	93.71M

This table details how cash moves in and out of Upstart's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2019	2020	2021	2022	2023	2024
Period end date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Change in Cash & Equivalents	-42	231	880	-659	-65	508
Net Cash From Operating Activities	32	16	168	-658	-112	186
Net Cash From Continuing Operating Activities	32	16	168	-658	-112	186
Net Income / (Loss) Continuing Operations	-5.02	5.58	135	-109	-240	-129
Consolidated Net Income / (Loss)	-5.02	5.58	135	-109	-240	-129
Depreciation Expense	0.77	2.28	7.54	14	25	21
Amortization Expense	-	-	-	0.00	-3.87	-17
Non-Cash Adjustments To Reconcile Net Income	1.08	-39	-30	-721	-86	100
Changes in Operating Assets and Liabilities, net	35	47	55	158	193	212
Net Cash From Investing Activities	45	137	-144	-114	-118	-238
Net Cash From Continuing Investing Activities	45	137	-144	-114	-118	-238
Purchase of Property, Plant & Equipment	-5.28	-5.61	-15	-23	-12	-9.99
Acquisitions	0.00	0.00	-17	0.00	-57	-63
Purchase of Investments	-265	-9.66	-199	-151	-157	-323
Sale and/or Maturity of Investments	158	30	36	50	107	151
Other Investing Activities, net	158	121	51	9.29	0.97	7.46
Net Cash From Financing Activities	-119	79	855	113	165	560
Net Cash From Continuing Financing Activities	-119	79	855	113	165	560
Repayment of Debt	-309	-174	-87	-401	-599	-742
Repurchase of Common Equity	-	0.00	0.00	-178	0.00	0.00
Issuance of Debt	193	92	718	689	792	1,301
Issuance of Common Equity	0.00	159	268	7.66	8.43	7.69
Other Financing Activities, net	1.91	2.37	-44	-4.48	-36	-6.53
Cash Interest Paid	27	8.03	3.27	12	37	43
Cash Income Taxes Paid	0.00	0.00	2.30	0.33	-0.66	0.26

This table details how cash moves in and out of Upstart's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024
Net Change in Cash & Equivalents	-84	-297	-81	58	105	-147	-29	121	95	320
Net Cash From Operating Activities	-101	-236	-76	217	-108	-146	53	65	179	-111
Net Cash From Continuing Operating Activities	-101	-236	-76	217	-108	-146	53	65	179	-111
Net Income / (Loss) Continuing Operations	-56	-55	-129	-28	-40	-42	-65	-54	-6.76	-2.76
Consolidated Net Income / (Loss)	-56	-55	-129	-28	-40	-42	-65	-54	-6.76	-2.76
Depreciation Expense	3.72	3.65	6.44	4.43	4.93	9.10	5.63	4.83	5.39	4.70
Non-Cash Adjustments To Reconcile Net Income	-45	-291	72	160	-133	-185	64	46	69	-79
Changes in Operating Assets and Liabilities, net	-4.13	106	-25	81	60	77	48	68	112	-17
Net Cash From Investing Activities	-24	-85	-26	-38	-24	-30	-38	-76	-46	-78
Net Cash From Continuing Investing Activities	-24	-85	-26	-38	-24	-30	-38	-76	-46	-78
Purchase of Property, Plant & Equipment	-5.52	-4.98	-5.46	-2.02	-2.95	-1.67	-1.75	-2.33	-2.49	-3.42
Acquisitions	-	-	0.00	-26	-13	-17	-17	-46	-	-0.04
Purchase of Investments	-41	-94	-46	-37	-37	-36	-46	-65	-86	-127
Sale and/or Maturity of Investments	11	17	26	27	29	24	28	34	41	47
Other Investing Activities, net	-	-2.70	0.00	-	-	0.97	-1.17	2.90	1.08	4.65
Net Cash From Financing Activities	41	24	21	-121	237	28	-44	132	-38	509
Net Cash From Continuing Financing Activities	41	24	21	-121	237	28	-44	132	-38	509
Repayment of Debt	-107	-192	-47	-351	-127	-74	-124	-60	-479	-79
Issuance of Debt	169	259	61	280	354	97	74	173	473	580
Other Financing Activities, net	1.31	-15	1.53	-50	7.08	5.28	1.20	19	-35	8.53
Cash Interest Paid	3.88	4.52	7.96	4.28	10	14	12	12	10	8.32
Cash Income Taxes Paid	0.15	0.12	-1.15	0.16	0.01	0.32	0.09	0.13	0.04	0.01

This table presents Upstart's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2020	2021	2022	2023	2024
Period end date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Total Assets	477	1,820	1,936	2,017	2,367
Total Current Assets	348	987	422	368	1,595
Cash & Equivalents	251	987	422	368	788
Note & Lease Receivable	98	-	-	-	806
Plant, Property, & Equipment, net	10	24	44	43	39
Total Noncurrent Assets	119	810	1,469	1,606	733
Goodwill	0.00	67	67	67	67
Other Noncurrent Operating Assets	119	470	392	383	666
Total Liabilities & Shareholders' Equity	477	1,820	1,936	2,017	2,367
Total Liabilities	177	1,013	1,264	1,382	1,734
Total Current Liabilities	49	110	86	84	134
Accrued Expenses	36	103	67	84	134
Total Noncurrent Liabilities	128	903	1,178	1,298	1,600
Long-Term Debt	63	-	0.00	141	1,489
Other Noncurrent Operating Liabilities	65	903	1,178	1,156	110
Total Equity & Noncontrolling Interests	300	807	672	635	633
Total Preferred & Common Equity	300	807	672	635	633
Total Common Equity	300	807	672	635	633
Common Stock	369	741	715	918	1,044
Retained Earnings	-69	66	-42	-283	-411

This table presents Upstart's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024
Period end date	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024
Total Assets	1,915	1,822	1,764	2,002	1,928	1,820	1,809
Total Current Assets	1,384	387	1,281	1,489	301	1,195	1,101
Cash & Equivalents	684	387	444	517	301	375	445
Note & Lease Receivable	700	-	838	972	-	821	656
Plant, Property, & Equipment, net	41	47	47	48	41	40	38
Total Noncurrent Assets	490	1,388	435	465	1,587	585	669
Goodwill	67	67	67	67	67	67	67
Other Noncurrent Operating Assets	406	324	368	398	439	518	602
Total Liabilities & Shareholders' Equity	1,915	1,822	1,764	2,002	1,928	1,820	1,809
Total Liabilities	1,197	1,195	1,126	1,361	1,315	1,226	1,213
Total Current Liabilities	85	54	55	59	62	77	112
Accrued Expenses	74	47	48	52	62	77	112
Total Noncurrent Liabilities	1,112	1,141	1,071	1,302	1,253	1,148	1,102
Long-Term Debt	919	-	931	1,157	129	1,026	988
Other Noncurrent Operating Liabilities	193	1,141	140	145	1,124	122	114
Total Equity & Noncontrolling Interests	719	627	638	641	613	595	596
Total Preferred & Common Equity	719	627	638	641	613	595	596
Total Common Equity	719	627	638	641	613	595	596
Common Stock	706	799	838	881	960	996	1,004
Retained Earnings	13	-172	-200	-240	-347	-402	-408

This table displays calculated financial ratios and metrics derived from Upstart's official financial filings.

Metric	2019	2020	2021	2022	2023	2024
Period end date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Growth Metrics	-	-	-	-	-	-
Revenue Growth	0.00%	42.16%	252.12%	10.39%	-38.23%	13.39%
EBITDA Growth	0.00%	297.22%	1,616.97%	-164.33%	-135.80%	29.75%
EBIT Growth	0.00%	220.30%	2,147.58%	-178.06%	-125.42%	34.53%
NOPAT Growth	0.00%	444.46%	1,193.44%	-155.86%	-125.29%	32.62%
Net Income Growth	0.00%	211.14%	2,327.73%	-180.23%	-120.98%	46.45%
EPS Growth	0.00%	100.00%	0.00%	-191.61%	-119.08%	49.83%
Operating Cash Flow Growth	0.00%	-50.30%	972.52%	-490.76%	83.02%	266.80%
Free Cash Flow Firm Growth	0.00%	0.00%	529.86%	-217.27%	33.66%	-209.88%
Invested Capital Growth	0.00%	0.00%	-260.21%	239.27%	63.31%	226.78%
Revenue Q/Q Growth	0.00%	0.00%	30.37%	-9.45%	-5.18%	7.88%
EBITDA Q/Q Growth	0.00%	0.00%	73.35%	-122.03%	-26.04%	12.37%
EBIT Q/Q Growth	0.00%	0.00%	76.28%	-95.68%	-24.20%	21.69%
NOPAT Q/Q Growth	0.00%	0.00%	53.67%	-1,786.28%	4.11%	19.83%
Net Income Q/Q Growth	0.00%	0.00%	74.71%	-2,060.75%	5.09%	23.57%
EPS Q/Q Growth	0.00%	0.00%	27.68%	-1,537.50%	4.33%	24.21%
Operating Cash Flow Q/Q Growth	0.00%	0.00%	-32.12%	-51.95%	48.99%	81.12%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%	0.00%	59.94%	34.41%	-13,800.45%
Invested Capital Q/Q Growth	0.00%	0.00%	44.31%	-73.78%	-68.13%	17.25%
Profitability Metrics	-	-	-	-	-	-
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
EBITDA Margin	-2.54%	3.53%	17.19%	-10.02%	-38.24%	-23.69%
Operating Margin	-2.79%	5.04%	17.14%	-12.55%	-45.77%	-27.20%
EBIT Margin	-3.01%	2.55%	16.27%	-11.51%	-41.99%	-24.24%
Profit (Net Income) Margin	-3.06%	2.39%	16.48%	-11.98%	-42.85%	-20.23%
Tax Burden Percent	101.50%	93.76%	101.28%	99.63%	100.04%	100.98%
Interest Burden Percent	100.00%	100.00%	100.00%	104.49%	102.00%	82.65%
Effective Tax Rate	0.00%	6.24%	-1.28%	0.00%	0.00%	0.00%
Return on Invested Capital (ROIC)	0.00%	19.69%	0.00%	-226.13%	-54.55%	-13.89%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	25.48%	0.00%	-222.02%	-35.90%	-17.09%
Return on Net Nonoperating Assets (RNNOA)	0.00%	-15.97%	0.00%	211.44%	17.83%	-6.39%
Return on Equity (ROE)	0.00%	3.72%	24.46%	-14.69%	-36.72%	-20.27%
Cash Return on Invested Capital (CROIC)	0.00%	-180.31%	0.00%	-203.68%	-102.64%	-120.16%
Operating Return on Assets (OROA)	0.00%	1.25%	11.64%	-5.56%	-11.91%	-7.03%
Return on Assets (ROA)	0.00%	1.17%	11.79%	-5.79%	-12.15%	-5.87%
Return on Common Equity (ROCE)	0.00%	3.72%	24.46%	-14.69%	-36.72%	-20.27%
Return on Equity Simple (ROE_SIMPLE)	0.00%	1.86%	16.78%	-16.16%	-37.80%	-20.31%
Net Operating Profit after Tax (NOPAT)	-3.20	11	143	-80	-180	-121
NOPAT Margin	-1.95%	4.73%	17.36%	-8.79%	-32.04%	-19.04%
Net Nonoperating Expense Percent (NNEP)	0.00%	-5.79%	-1.23%	-4.11%	-18.65%	3.20%
Return On Investment Capital (ROIC_SIMPLE)	-	-	-	-11.85%	-23.12%	-5.70%
Cost of Revenue to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	19.41%	19.54%	14.93%	20.42%	37.90%	36.34%
R&D to Revenue	11.44%	16.62%	16.30%	26.15%	49.99%	39.92%
Operating Expenses to Revenue	102.79%	94.96%	86.11%	105.40%	137.41%	127.37%
Earnings before Interest and Taxes (EBIT)	-4.95	5.95	134	-104	-235	-154
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	-4.17	8.23	141	-91	-214	-151
Valuation Ratios	-	-	-	-	-	-
Price to Book Value (P/BV)	0.00	1.63	15.36	1.61	5.47	8.87
Price to Tangible Book Value (P/TBV)	0.00	1.63	17.22	1.79	6.12	9.92
Price to Revenue (P/Rev)	1.46	2.10	15.09	1.19	6.20	8.84
Price to Earnings (P/E)	0.00	81.84	91.55	0.00	0.00	0.00
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	0.00%	1.22%	1.09%	0.00%	0.00%	0.00%
Enterprise Value to Invested Capital (EV/IC)	0.00	2.69	0.00	2.64	7.96	4.74
Enterprise Value to Revenue (EV/Rev)	0.00	1.29	13.89	0.73	5.80	9.94
Enterprise Value to EBITDA (EV/EBITDA)	0.00	36.64	80.79	0.00	0.00	0.00
Enterprise Value to EBIT (EV/EBIT)	0.00	50.66	85.35	0.00	0.00	0.00
Enterprise Value to NOPAT (EV/NOPAT)	0.00	27.33	79.99	0.00	0.00	0.00
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	19.20	67.80	0.00	0.00	33.91
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	26.28	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-
Debt to Equity	0.00	0.21	0.00	0.00	0.22	2.35
Long-Term Debt to Equity	0.00	0.21	0.00	0.00	0.22	2.35
Financial Leverage	0.00	-0.63	-1.06	-0.95	-0.50	0.37
Leverage Ratio	0.00	1.59	2.08	2.54	3.02	3.46
Compound Leverage Factor	0.00	1.59	2.08	2.65	3.08	2.86
Debt to Total Capital	0.00%	17.26%	0.00%	0.00%	18.21%	70.17%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	0.00%	17.26%	0.00%	0.00%	18.21%	70.17%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	0.00%	82.74%	100.00%	100.00%	81.79%	29.83%
Debt to EBITDA	0.00	7.61	0.00	0.00	-0.66	-9.89
Net Debt to EBITDA	0.00	-22.87	0.00	0.00	1.06	-4.66
Long-Term Debt to EBITDA	0.00	7.61	0.00	0.00	-0.66	-9.89
Debt to NOPAT	0.00	5.68	0.00	0.00	-0.79	-12.31
Net Debt to NOPAT	0.00	-17.06	0.00	0.00	1.26	-5.79
Long-Term Debt to NOPAT	0.00	5.68	0.00	0.00	-0.79	-12.31
Altman Z-Score	0.00	2.74	8.66	0.98	1.38	2.50
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-
Current Ratio	0.00	7.05	8.97	4.93	4.38	11.92
Quick Ratio	0.00	7.05	8.97	4.93	4.38	11.92
Cash Flow Metrics	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	0.00	-101	434	-509	-338	-1,047
Operating Cash Flow to CapEx	598.26%	280.05%	1,113.81%	-2,871.12%	-924.31%	1,865.18%
Free Cash Flow to Firm to Interest Expense	0.00	0.00	0.00	-2.91	-1.53	-6.56
Operating Cash Flow to Interest Expense	0.00	0.00	0.00	-3.76	-0.51	1.17
Operating Cash Flow Less CapEx to Interest Expense	0.00	0.00	0.00	-3.89	-0.56	1.10
Efficiency Ratios	-	-	-	-	-	-
Asset Turnover	0.00	0.49	0.72	0.48	0.28	0.29
Accounts Receivable Turnover	0.00	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	0.00	23.27	47.94	26.52	12.91	15.56
Accounts Payable Turnover	0.00	0.00	0.00	0.00	0.00	0.00
Days Sales Outstanding (DSO)	0.00	0.00	0.00	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	0.00	0.00	0.00	0.00	0.00	0.00
Cash Conversion Cycle (CCC)	0.00	0.00	0.00	0.00	0.00	0.00
Capital & Investment Metrics	-	-	-	-	-	-
Invested Capital	0.00	112	-180	250	408	1,334
Invested Capital Turnover	0.00	4.17	-24.36	25.74	1.70	0.73
Increase / (Decrease) in Invested Capital	0.00	112	-292	430	158	926
Enterprise Value (EV)	0.00	301	11,414	660	3,248	6,318
Market Capitalization	240	490	12,400	1,082	3,475	5,617
Book Value per Share	$0.00	$17.14	$9.85	$8.21	$7.47	$6.94
Tangible Book Value per Share	$0.00	$17.14	$8.79	$7.39	$6.68	$6.21
Total Capital	0.00	363	807	672	777	2,123
Total Debt	0.00	63	0.00	0.00	141	1,489
Total Long-Term Debt	0.00	63	0.00	0.00	141	1,489
Net Debt	0.00	-188	-987	-422	-227	701
Capital Expenditures (CapEx)	5.28	5.61	15	23	12	9.99
Debt-free, Cash-free Net Working Capital (DFCFNWC)	0.00	48	-110	-86	-84	673
Debt-free Net Working Capital (DFNWC)	0.00	299	877	337	284	1,461
Net Working Capital (NWC)	0.00	299	877	337	284	1,461
Net Nonoperating Expense (NNE)	1.82	5.45	7.24	29	61	7.58
Net Nonoperating Obligations (NNO)	0.00	-188	-987	-422	-227	701
Total Depreciation and Amortization (D&A)	0.77	2.28	7.54	14	21	3.53
Debt-free, Cash-free Net Working Capital to Revenue	0.00%	20.60%	-13.38%	-9.44%	-15.00%	105.83%
Debt-free Net Working Capital to Revenue	0.00%	128.06%	106.66%	37.12%	50.74%	229.90%
Net Working Capital to Revenue	0.00%	128.06%	106.66%	37.12%	50.74%	229.90%
Earnings Adjustments	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.00	$0.00	$1.73	($1.31)	($2.87)	($1.44)
Adjusted Weighted Average Basic Shares Outstanding	0.00	0.00	78.11M	82.77M	83.77M	89.45M
Adjusted Diluted Earnings per Share	$0.00	$0.00	$1.43	($1.31)	($2.87)	($1.44)
Adjusted Weighted Average Diluted Shares Outstanding	0.00	0.00	94.77M	82.77M	83.77M	89.45M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	0.00	84.06M	81.39M	86.43M	93.71M
Normalized Net Operating Profit after Tax (NOPAT)	-3.20	11	99	-80	-180	-121
Normalized NOPAT Margin	-1.95%	4.73%	12.00%	-8.79%	-32.04%	-19.04%
Pre Tax Income Margin	-3.01%	2.55%	16.27%	-12.02%	-42.83%	-20.04%
Debt Service Ratios	-	-	-	-	-	-
EBIT to Interest Expense	0.00	0.00	0.00	-0.60	-1.07	-0.97
NOPAT to Interest Expense	0.00	0.00	0.00	-0.46	-0.81	-0.76
EBIT Less CapEx to Interest Expense	0.00	0.00	0.00	-0.73	-1.12	-1.03
NOPAT Less CapEx to Interest Expense	0.00	0.00	0.00	-0.59	-0.87	-0.82
Payout Ratios	-	-	-	-	-	-
Dividend Payout Ratio	-98.80%	11.15%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	-98.80%	11.15%	0.00%	-163.70%	0.00%	0.00%

This table displays calculated financial ratios and metrics derived from Upstart's official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-21.49%	-34.04%	-62.69%	-37.66%	-18.17%	-16.69%	17.86%	-9.16%	14.20%	30.38%
EBITDA Growth	-412.13%	-80.79%	-802.86%	10.46%	62.26%	-340.18%	51.99%	-109.20%	1.94%	134.18%
EBIT Growth	-449.99%	-86.13%	-979.77%	5.70%	58.64%	-557.61%	50.03%	-93.47%	0.57%	113.42%
NOPAT Growth	-235.99%	-168.15%	-365.09%	-3.85%	24.52%	18.80%	48.82%	-66.40%	-2.98%	90.00%
Net Income Growth	-293.12%	-193.76%	-495.37%	5.71%	28.29%	23.28%	50.02%	-93.40%	83.24%	93.50%
EPS Growth	-330.00%	-195.24%	-564.71%	5.56%	30.43%	21.67%	53.16%	-82.35%	85.42%	97.87%
Operating Cash Flow Growth	-332.49%	-2,018.23%	71.62%	505.13%	-6.26%	38.32%	169.49%	-69.95%	266.50%	23.81%
Free Cash Flow Firm Growth	-473.73%	-233.79%	164.22%	37.87%	72.77%	59.29%	-144.71%	50.81%	131.18%	-385.16%
Invested Capital Growth	395.78%	239.27%	-72.94%	36.68%	34.38%	63.31%	83.70%	10.77%	-11.19%	226.78%
Revenue Q/Q Growth	-22.18%	2.30%	-36.15%	22.66%	2.13%	4.15%	-9.67%	-5.46%	28.39%	18.91%
EBITDA Q/Q Growth	-253.80%	112.67%	-1,133.91%	80.68%	-49.11%	19.35%	-593.32%	15.82%	30.11%	128.11%
EBIT Q/Q Growth	-226.52%	108.44%	-1,671.66%	78.22%	-43.19%	6.64%	-2,368.49%	15.68%	26.41%	112.60%
NOPAT Q/Q Growth	-80.93%	-0.70%	-125.37%	74.71%	-31.49%	-8.34%	-42.03%	17.76%	18.62%	89.48%
Net Income Q/Q Growth	-88.22%	1.71%	-133.89%	78.21%	-43.14%	-5.17%	-52.36%	15.68%	87.59%	59.23%
EPS Q/Q Growth	-91.67%	13.04%	-163.33%	78.48%	-41.18%	2.08%	-57.45%	16.22%	88.71%	85.71%
Operating Cash Flow Q/Q Growth	-88.96%	-132.87%	70.05%	386.98%	-149.56%	-35.18%	136.62%	24.08%	174.66%	-161.85%
Free Cash Flow Firm Q/Q Growth	-151.47%	64.26%	218.03%	-158.57%	-10.23%	46.58%	-29.64%	35.56%	169.86%	-931.31%
Invested Capital Q/Q Growth	15.83%	-73.78%	-3.90%	368.28%	13.89%	-68.13%	8.09%	182.38%	-8.69%	17.25%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
EBITDA Margin	-52.26%	6.47%	-104.83%	-16.51%	-24.10%	-18.66%	-42.70%	-38.02%	-20.70%	4.89%
Operating Margin	-32.39%	-31.88%	-112.54%	-23.21%	-29.88%	-31.08%	-48.87%	-42.51%	-26.94%	-2.38%
EBIT Margin	-54.34%	4.48%	-110.33%	-19.59%	-27.46%	-24.62%	-46.78%	-41.72%	-23.91%	2.53%
Profit (Net Income) Margin	-31.35%	-30.12%	-110.34%	-19.60%	-27.47%	-27.74%	-46.79%	-41.73%	-4.03%	-1.38%
Tax Burden Percent	100.02%	99.17%	100.01%	100.06%	100.02%	100.15%	100.02%	100.03%	100.67%	174.15%
Interest Burden Percent	57.68%	-677.70%	100.00%	100.00%	100.00%	112.51%	100.00%	100.00%	16.75%	-31.33%
Effective Tax Rate	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Invested Capital (ROIC)	-71.99%	-574.51%	-99.22%	-10.40%	-11.06%	-37.04%	-58.35%	-14.26%	-9.18%	-1.22%
ROIC Less NNEP Spread (ROIC-NNEP)	-68.13%	-572.48%	-79.53%	-12.14%	-13.26%	-34.22%	-52.13%	-17.00%	-4.98%	-0.98%
Return on Net Nonoperating Assets (RNNOA)	38.22%	545.20%	19.86%	-4.81%	-8.54%	16.99%	23.47%	-15.70%	-4.77%	-0.36%
Return on Equity (ROE)	-33.77%	-29.31%	-79.36%	-15.21%	-19.60%	-20.04%	-34.88%	-29.96%	-13.95%	-1.58%
Cash Return on Invested Capital (CROIC)	-133.31%	-203.68%	80.00%	-51.24%	-46.10%	-102.64%	-98.47%	-22.87%	-0.62%	-120.16%
Operating Return on Assets (OROA)	-30.92%	2.17%	-41.15%	-6.64%	-8.29%	-6.98%	-14.51%	-13.23%	-7.39%	0.73%
Return on Assets (ROA)	-17.84%	-14.55%	-41.16%	-6.64%	-8.29%	-7.87%	-14.51%	-13.23%	-1.25%	-0.40%
Return on Common Equity (ROCE)	-33.77%	-29.31%	-79.36%	-15.21%	-19.60%	-20.04%	-34.88%	-29.96%	-13.95%	-1.58%
Return on Equity Simple (ROE_SIMPLE)	0.77%	0.00%	-43.15%	-42.14%	-39.48%	0.00%	-28.64%	-33.93%	-28.25%	0.00%
Net Operating Profit after Tax (NOPAT)	-41	-41	-92	-23	-31	-33	-47	-39	-32	-3.33
NOPAT Margin	-22.67%	-22.32%	-78.78%	-16.24%	-20.91%	-21.75%	-34.21%	-29.76%	-18.86%	-1.67%
Net Nonoperating Expense Percent (NNEP)	-3.86%	-2.03%	-19.69%	1.74%	2.20%	-2.82%	-6.22%	2.75%	-4.20%	-0.24%
Return On Investment Capital (ROIC_SIMPLE)	-	-6.09%	-	-	-	-4.28%	-	-	-	-0.16%
Cost of Revenue to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	26.63%	25.70%	44.96%	35.11%	36.46%	36.49%	41.73%	40.62%	35.73%	30.32%
R&D to Revenue	36.90%	34.90%	93.96%	40.35%	37.44%	37.39%	45.70%	44.78%	38.72%	33.73%
Operating Expenses to Revenue	120.06%	111.96%	200.41%	117.69%	121.56%	122.88%	141.42%	140.28%	123.69%	112.26%
Earnings before Interest and Taxes (EBIT)	-97	8.22	-129	-28	-40	-38	-65	-54	-40	5.05
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	-94	12	-123	-24	-35	-29	-59	-50	-35	9.75
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	2.35	1.61	2.06	4.64	3.74	5.47	3.73	3.49	6.01	8.87
Price to Tangible Book Value (P/TBV)	2.66	1.79	2.37	5.18	4.17	6.12	4.19	3.93	6.78	9.92
Price to Revenue (P/Rev)	1.69	1.19	1.82	4.75	4.05	6.20	3.93	3.65	6.08	8.84
Price to Earnings (P/E)	305.17	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	0.33%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Enterprise Value to Invested Capital (EV/IC)	2.02	2.64	3.77	3.06	2.37	7.96	4.79	2.19	3.62	4.74
Enterprise Value to Revenue (EV/Rev)	1.92	0.73	1.28	5.53	5.13	5.80	3.64	4.80	7.00	9.94
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to NOPAT (EV/NOPAT)	407.52	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	40.09	33.91
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	2.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	1.28	0.00	0.00	1.46	1.81	0.22	0.21	1.73	1.66	2.35
Long-Term Debt to Equity	1.28	0.00	0.00	1.46	1.81	0.22	0.21	1.73	1.66	2.35
Financial Leverage	-0.56	-0.95	-0.25	0.40	0.64	-0.50	-0.45	0.92	0.96	0.37
Leverage Ratio	2.45	2.54	2.53	2.64	2.88	3.02	3.02	2.91	3.08	3.46
Compound Leverage Factor	1.41	-17.21	2.53	2.64	2.88	3.40	3.02	2.91	0.52	-1.08
Debt to Total Capital	56.12%	0.00%	0.00%	59.32%	64.36%	18.21%	17.40%	63.31%	62.38%	70.17%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	56.12%	0.00%	0.00%	59.32%	64.36%	18.21%	17.40%	63.31%	62.38%	70.17%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	43.88%	100.00%	100.00%	40.68%	35.64%	81.79%	82.60%	36.69%	37.62%	29.83%
Debt to EBITDA	-22.45	0.00	0.00	-4.08	-6.81	-0.66	-0.88	-5.95	-5.75	-9.89
Net Debt to EBITDA	-5.74	0.00	0.00	-2.13	-3.77	1.06	1.17	-3.78	-3.16	-4.66
Long-Term Debt to EBITDA	-22.45	0.00	0.00	-4.08	-6.81	-0.66	-0.88	-5.95	-5.75	-9.89
Debt to NOPAT	194.41	0.00	0.00	-4.72	-6.18	-0.79	-0.96	-6.84	-6.54	-12.31
Net Debt to NOPAT	49.71	0.00	0.00	-2.47	-3.42	1.26	1.27	-4.34	-3.59	-5.79
Long-Term Debt to NOPAT	194.41	0.00	0.00	-4.72	-6.18	-0.79	-0.96	-6.84	-6.54	-12.31
Altman Z-Score	2.03	1.17	0.89	2.56	1.97	1.70	1.13	1.66	2.36	2.72
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Current Ratio	16.37	4.93	7.23	23.45	25.29	4.38	4.84	15.47	9.87	11.92
Quick Ratio	16.37	4.93	7.23	23.45	25.29	4.38	4.84	15.47	9.87	11.92
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-1,317	-471	555	-325	-359	-192	-248	-160	112	-929
Operating Cash Flow to CapEx	-1,835.34%	-4,737.23%	-1,387.45%	10,779.91%	-3,656.11%	-8,739.44%	3,008.69%	2,804.77%	7,190.86%	-3,244.40%
Free Cash Flow to Firm to Interest Expense	-431.66	-2.79	9.33	-7.77	-7.19	-2.76	-4.04	-2.87	8.64	-31.54
Operating Cash Flow to Interest Expense	-33.23	-1.40	-1.27	5.19	-2.16	-2.10	0.86	1.17	13.87	-3.76
Operating Cash Flow Less CapEx to Interest Expense	-35.05	-1.43	-1.36	5.15	-2.22	-2.12	0.83	1.13	13.67	-3.88
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.57	0.48	0.37	0.34	0.30	0.28	0.31	0.32	0.31	0.29
Accounts Receivable Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	33.46	26.52	18.50	15.02	13.28	12.91	13.28	13.10	13.64	15.56
Accounts Payable Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Sales Outstanding (DSO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Cash Conversion Cycle (CCC)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	954	250	240	1,125	1,281	408	441	1,246	1,138	1,334
Invested Capital Turnover	3.18	25.74	1.26	0.64	0.53	1.70	1.71	0.48	0.49	0.73
Increase / (Decrease) in Invested Capital	1,276	430	-648	302	328	158	201	121	-143	926
Enterprise Value (EV)	1,926	660	906	3,447	3,035	3,248	2,116	2,725	4,124	6,318
Market Capitalization	1,691	1,082	1,293	2,960	2,394	3,475	2,287	2,073	3,581	5,617
Book Value per Share	$8.83	$8.21	$7.71	$7.72	$7.64	$7.47	$7.04	$6.77	$6.65	$6.94
Tangible Book Value per Share	$7.80	$7.39	$6.70	$6.91	$6.84	$6.68	$6.27	$6.00	$5.90	$6.21
Total Capital	1,637	672	627	1,569	1,798	777	742	1,621	1,583	2,123
Total Debt	919	0.00	0.00	931	1,157	141	129	1,026	988	1,489
Total Long-Term Debt	919	0.00	0.00	931	1,157	141	129	1,026	988	1,489
Net Debt	235	-422	-387	487	641	-227	-171	652	542	701
Capital Expenditures (CapEx)	5.52	4.98	5.46	2.02	2.95	1.67	1.75	2.33	2.49	3.42
Debt-free, Cash-free Net Working Capital (DFCFNWC)	616	-86	-54	783	913	-84	-62	743	545	673
Debt-free Net Working Capital (DFNWC)	1,300	337	333	1,227	1,430	284	238	1,118	990	1,461
Net Working Capital (NWC)	1,300	337	333	1,227	1,430	284	238	1,118	990	1,461
Net Nonoperating Expense (NNE)	16	14	37	4.82	9.62	9.15	17	16	-25	-0.57
Net Nonoperating Obligations (NNO)	235	-422	-387	487	641	-227	-171	652	542	701
Total Depreciation and Amortization (D&A)	3.72	3.65	6.44	4.43	4.93	9.10	5.63	4.83	5.39	4.70
Debt-free, Cash-free Net Working Capital to Revenue	61.47%	-9.44%	-7.54%	125.54%	154.55%	-15.00%	-10.67%	130.83%	92.44%	105.83%
Debt-free Net Working Capital to Revenue	129.73%	37.12%	46.93%	196.68%	241.95%	50.74%	41.02%	196.79%	168.03%	229.90%
Net Working Capital to Revenue	129.73%	37.12%	46.93%	196.68%	241.95%	50.74%	41.02%	196.79%	168.03%	229.90%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	($0.69)	($0.65)	($1.58)	($0.34)	($0.48)	($0.47)	($0.74)	($0.62)	($0.07)	($0.01)
Adjusted Weighted Average Basic Shares Outstanding	81.67M	82.77M	81.91M	83.13M	84.40M	83.77M	87.03M	88.44M	90.12M	89.45M
Adjusted Diluted Earnings per Share	($0.69)	($0.60)	($1.58)	($0.34)	($0.48)	($0.47)	($0.74)	($0.62)	($0.07)	($0.01)
Adjusted Weighted Average Diluted Shares Outstanding	81.67M	82.77M	81.91M	83.13M	84.40M	83.77M	87.03M	88.44M	90.12M	89.45M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	81.88M	81.39M	82.67M	83.89M	85.06M	86.43M	87.88M	89.51M	91.23M	93.71M
Normalized Net Operating Profit after Tax (NOPAT)	-41	-41	-92	-23	-31	-33	-47	-39	-32	-3.33
Normalized NOPAT Margin	-22.67%	-22.32%	-78.78%	-16.24%	-20.91%	-21.75%	-34.21%	-29.76%	-18.86%	-1.67%
Pre Tax Income Margin	-31.34%	-30.37%	-110.33%	-19.59%	-27.46%	-27.70%	-46.78%	-41.72%	-4.01%	-0.79%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	-31.95	0.05	-2.17	-0.67	-0.81	-0.54	-1.05	-0.98	-3.10	0.17
NOPAT to Interest Expense	-13.33	-0.24	-1.55	-0.56	-0.62	-0.48	-0.77	-0.70	-2.44	-0.11
EBIT Less CapEx to Interest Expense	-33.76	0.02	-2.26	-0.72	-0.87	-0.57	-1.08	-1.02	-3.29	0.06
NOPAT Less CapEx to Interest Expense	-15.14	-0.27	-1.64	-0.61	-0.67	-0.50	-0.80	-0.74	-2.64	-0.23
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	2,707.87%	-163.70%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Frequently Asked Questions About Upstart's Financials

When does Upstart's fiscal year end?

According to the most recent income statement we have on file, Upstart's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Upstart's net income changed over the last 5 years?

Upstart's net income appears to be on an upward trend, with a most recent value of -$128.58 million in 2024, rising from -$5.02 million in 2019. The previous period was -$240.13 million in 2023. See Upstart's forecast for analyst expectations on what’s next for the company.

What is Upstart's operating income?

Upstart's total operating income in 2024 was -$172.86 million, based on the following breakdown:

Total Gross Profit: $635.47 million
Total Operating Expenses: $809.38 million

How has Upstart revenue changed over the last 5 years?

Over the last 5 years, Upstart's total revenue changed from $164.19 million in 2019 to $635.47 million in 2024, a change of 287.0%.

How much debt does Upstart have?

Upstart's total liabilities were at $1.73 billion at the end of 2024, a 25.5% increase from 2023, and a 879.5% increase since 2020.

How much cash does Upstart have?

In the past 4 years, Upstart's cash and equivalents has ranged from $250.82 million in 2020 to $986.61 million in 2021, and is currently $788.42 million as of their latest financial filing in 2024.

How has Upstart's book value per share changed over the last 5 years?

Over the last 5 years, Upstart's book value per share changed from 0.00 in 2019 to 6.94 in 2024, a change of 694.1%.

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This page (NASDAQ:UPST) was last updated on 5/6/2025 by MarketBeat.com Staff

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Upstart (UPST) Financials

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