Upstart Holdings, Inc.

UPST

Current Price: $24.87

IPO: 2020-12-16

Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform aggregates consumer demand for loans and connects it to its network of the company's AI-enabled bank partners. The company was founded in 2012 and is headquartered in San Mateo, California.

Website

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Income Statement

Revenue

Year Q1 Q2 Q3 Q4
2019 - - - $64m
2020 $64.43m $24.05m $51.46m $77.72m
2021 $121.3m $193.9m $227.7m $298.5m
2022 $310.1m $228.2m $157.2m $145.7m
2023 $102.9m - - -

YoY % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - 21.44%
2021 88.3% 706.5% 342.49% 284.1%
2022 155.62% 17.64% -30.95% -51.18%
2023 -66.81% - - -

YoY Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 64.43m 24.05m 51.46m 13.72m
2021 56.89m 169.9m 176.2m 220.8m
2022 188.8m 34.21m -70.46m -152.8m
2023 -207.2m - - -

QoQ % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 0.68% -62.68% 113.98% 51.03%
2021 56.12% 59.86% 17.4% 31.1%
2022 3.9% -26.43% -31.09% -7.31%
2023 -29.38% - - -

Cost Of Revenue

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - -
2021 - - - -
2022 - - - -
2023 - - - -

YoY % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - -
2021 - - - -
2022 - - - -
2023 - - - -

YoY Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - -
2021 - - - -
2022 - - - -
2023 - - - -

QoQ % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - -
2021 - - - -
2022 - - - -
2023 - - - -

Gross Profit

Year Q1 Q2 Q3 Q4
2019 - - - $64m
2020 $64.43m $24.05m $51.46m $77.72m
2021 $121.3m $193.9m $227.7m $298.5m
2022 $310.1m $228.2m $157.2m $145.7m
2023 $102.9m - - -

YoY % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - 21.44%
2021 88.3% 706.5% 342.49% 284.1%
2022 155.62% 17.64% -30.95% -51.18%
2023 -66.81% - - -

YoY Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 64.43m 24.05m 51.46m 13.72m
2021 56.89m 169.9m 176.2m 220.8m
2022 188.8m 34.21m -70.46m -152.8m
2023 -207.2m - - -

QoQ % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 0.68% -62.68% 113.98% 51.03%
2021 56.12% 59.86% 17.4% 31.1%
2022 3.9% -26.43% -31.09% -7.31%
2023 -29.38% - - -

Gross Profit Ratio

Year Q1 Q2 Q3 Q4
2019 - - - 100.00%
2020 100.00% 100.00% 100.00% 100.00%
2021 100.00% 100.00% 100.00% 100.00%
2022 100.00% 100.00% 100.00% 100.00%
2023 100.00% - - -

YoY % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - -
2021 - - - -
2022 - - - -
2023 - - - -

Research & Development Expenses

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - $14.15m
2021 - - - -
2022 - $57.05m $37.09m $114m
2023 $110.1m - - -

YoY % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - -
2021 - - - -
2022 - - - -
2023 - - - -

YoY Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - 14.15m
2021 - - - -
2022 - 57.05m 37.09m 114m
2023 110.1m - - -

QoQ % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - -
2021 - - - -
2022 - - -34.99% 207.46%
2023 -3.46% - - -

General & Administrative Expenses

Year Q1 Q2 Q3 Q4
2019 - - - $19.82m
2020 $20.47m $15.64m $19.46m $27.62m
2021 $37.41m $50.31m $69.42m $83.12m
2022 $91.86m $98.01m $92.78m $90.63m
2023 $93.25m - - -

YoY % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - 39.35%
2021 82.73% 221.68% 256.71% 200.96%
2022 145.58% 94.84% 33.65% 9.03%
2023 1.51% - - -

YoY Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 20.47m 15.64m 19.46m 7.8m
2021 16.94m 34.67m 49.96m 55.5m
2022 54.46m 47.71m 23.36m 7.505m
2023 1.39m - - -

QoQ % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 3.28% -23.61% 24.45% 41.92%
2021 35.43% 34.48% 38.0% 19.74%
2022 10.51% 6.69% -5.34% -2.32%
2023 2.9% - - -

Selling & Marketing Expenses

Year Q1 Q2 Q3 Q4
2019 - - - $31.94m
2020 $35.95m $5.436m $23.73m $34.55m
2021 $49.38m $75.92m $93.35m $114.8m
2022 $133.4m $105.2m $56.36m $50.75m
2023 $31.44m - - -

YoY % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - 8.16%
2021 37.34% 1296.54% 293.45% 232.35%
2022 170.27% 38.59% -39.62% -55.8%
2023 -76.44% - - -

YoY Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 35.95m 5.436m 23.73m 2.607m
2021 13.42m 70.48m 69.62m 80.27m
2022 84.07m 29.3m -36.98m -64.06m
2023 -102m - - -

QoQ % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 12.56% -84.88% 336.44% 45.61%
2021 42.93% 53.75% 22.96% 23.0%
2022 16.23% -21.16% -46.43% -9.95%
2023 -38.06% - - -

Selling General & Administrative Expenses

Year Q1 Q2 Q3 Q4
2019 - - - $51.76m
2020 $56.42m $21.07m $43.19m $62.17m
2021 $86.78m $126.2m $162.8m $197.9m
2022 $225.3m $203.2m $149.1m $141.4m
2023 $124.7m - - -

YoY % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - 20.11%
2021 53.81% 498.94% 276.9% 218.4%
2022 159.63% 61.01% -8.37% -28.57%
2023 -44.66% - - -

YoY Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 56.42m 21.07m 43.19m 10.41m
2021 30.36m 105.1m 119.6m 135.8m
2022 138.5m 77m -13.62m -56.56m
2023 -100.6m - - -

QoQ % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 9.01% -62.65% 104.93% 43.95%
2021 39.6% 45.44% 28.95% 21.61%
2022 13.83% -9.8% -26.61% -5.2%
2023 -11.81% - - -

Other Expenses

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - -
2021 $18.99m $31.43m $37.09m $23.71m
2022 $-2.122m $2.26m $1.88m $3.944m
2023 $2.597m - - -

YoY % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - -
2021 - - - -
2022 -111.18% -92.81% -94.93% -83.37%
2023 -222.38% - - -

YoY Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - -
2021 18.99m 31.43m 37.09m 23.71m
2022 -21.11m -29.17m -35.21m -19.77m
2023 4.719m - - -

QoQ % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - -
2021 - 65.53% 17.99% -36.06%
2022 -108.95% -206.5% -16.81% 109.79%
2023 -34.15% - - -

Operating Expenses

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - $76.32m
2021 $105.8m $157.7m $199.9m $221.7m
2022 $223.2m $262.5m $188.1m $259.3m
2023 $237.4m - - -

YoY % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - -
2021 - - - 190.43%
2022 111.01% 66.52% -5.88% 17.01%
2023 6.35% - - -

YoY Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - 76.32m
2021 105.8m 157.7m 199.9m 145.3m
2022 117.4m 104.9m -11.74m 37.7m
2023 14.17m - - -

QoQ % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - -
2021 38.59% 49.05% 26.77% 10.91%
2022 0.69% 17.63% -28.35% 37.87%
2023 -8.48% - - -

Cost & Expenses

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - -
2021 - - - $221.7m
2022 $223.2m $262.5m $188.1m $259.3m
2023 $237.4m - - -

YoY % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - -
2021 - - - -
2022 - - - 17.01%
2023 6.35% - - -

YoY Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - -
2021 - - - 221.7m
2022 223.2m 262.5m 188.1m 37.7m
2023 14.17m - - -

QoQ % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - -
2021 - - - -
2022 0.69% 17.63% -28.35% 37.87%
2023 -8.48% - - -

Interest Expense

Year Q1 Q2 Q3 Q4
2019 - - - $4.357m
2020 $3.255m $2.26m $1.437m $1.074m
2021 $1.03m $1.497m $269k $478k
2022 $959k $2.313m $3.05m $4.521m
2023 $7.132m - - -

YoY % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - -75.35%
2021 -68.36% -33.76% -81.28% -55.49%
2022 -6.89% 54.51% 1033.83% 845.82%
2023 643.69% - - -

YoY Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 3.255m 2.26m 1.437m -3.283m
2021 -2.225m -763k -1.168m -596k
2022 -71k 816k 2.781m 4.043m
2023 6.173m - - -

QoQ % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 -25.29% -30.57% -36.42% -25.26%
2021 -4.1% 45.34% -82.03% 77.7%
2022 100.63% 141.19% 31.86% 48.23%
2023 57.75% - - -

Depreciation & Amortization

Year Q1 Q2 Q3 Q4
2019 - - - $450k
2020 $515k $535k $581k $647k
2021 $816k $1.983m $2.185m $2.557m
2022 $2.781m $3.354m $3.724m $3.654m
2023 $6.441m - - -

YoY % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - 43.78%
2021 58.45% 270.65% 276.08% 295.21%
2022 240.81% 69.14% 70.43% 42.9%
2023 131.61% - - -

YoY Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 515k 535k 581k 197k
2021 301k 1.448m 1.604m 1.91m
2022 1.965m 1.371m 1.539m 1.097m
2023 3.66m - - -

QoQ % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 14.44% 3.88% 8.6% 11.36%
2021 26.12% 143.01% 10.19% 17.03%
2022 8.76% 20.6% 11.03% -1.88%
2023 76.27% - - -

Ebitda

Year Q1 Q2 Q3 Q4
2019 - - - $10.93m
2020 $5.25m $-3.398m $11.69m $3.119m
2021 $12.17m $39.78m $30.3m $62.3m
2022 $36.45m $-24.18m $-49.44m $-46.73m
2023 $-131.8m - - -

YoY % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - -Infinity% - -71.47%
2021 131.79% -1270.57% 159.25% 1897.5%
2022 199.54% -160.79% -263.16% -175.01%
2023 -461.68% - - -

YoY Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 5.25m -3.398m 11.69m -7.813m
2021 6.919m 43.17m 18.61m 59.18m
2022 24.28m -63.96m -79.74m -109m
2023 -168.3m - - -

QoQ % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 -51.98% -164.72% -443.94% -73.31%
2021 290.16% 226.86% -23.83% 105.62%
2022 -41.49% -166.34% 104.45% -5.47%
2023 182.1% - - -

Operating Income

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - $10.39m
2021 - - - $59.75m
2022 $33.67m $-27.53m $-53.16m $-50.39m
2023 $-138.3m - - -

YoY % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - -
2021 - - - 474.86%
2022 - -Infinity% -Infinity% -184.34%
2023 -510.68% - - -

YoY Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - 10.39m
2021 - - - 49.35m
2022 33.67m -27.53m -53.16m -110.1m
2023 -171.9m - - -

QoQ % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - -
2021 - - - -
2022 -43.64% -181.78% 93.07% -5.22%
2023 174.42% - - -

Operating Income Ratio

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - $0.1337
2021 - - - $0.2001
2022 $0.1086 $-0.1207 $-0.3381 $-0.3457
2023 $-1.343 - - -

YoY % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - -
2021 - - - 49.66%
2022 - -Infinity% -Infinity% -272.74%
2023 -1337.45% - - -

YoY Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - 0.1337
2021 - - - 0.06642
2022 0.1086 -0.1207 -0.3381 -0.5459
2023 -1.452 - - -

QoQ % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - -
2021 - - - -
2022 -45.76% -211.16% 180.17% 2.26%
2023 288.57% - - -

Total Other Income Expenses Net

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - $-8.995m
2021 - - - $-478k
2022 $-959k $-2.313m $-3.05m $-5.339m
2023 $9.038m - - -

YoY % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - -Infinity%
2021 - - - -94.69%
2022 -Infinity% -Infinity% -Infinity% 1016.95%
2023 -1042.44% - - -

YoY Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - -8.995m
2021 - - - 8.517m
2022 -959k -2.313m -3.05m -4.861m
2023 9.997m - - -

QoQ % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - -Infinity%
2021 - - - -Infinity%
2022 100.63% 141.19% 31.86% 75.05%
2023 -269.28% - - -

Income Before Tax

Year Q1 Q2 Q3 Q4
2019 - - - $4.939m
2020 $992k $-6.109m $9.669m $1.398m
2021 $10.32m $36.3m $27.85m $59.27m
2022 $32.71m $-29.85m $-56.21m $-55.73m
2023 $-129.2m - - -

YoY % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - -Infinity% - -71.69%
2021 940.63% -694.14% 187.98% 4139.41%
2022 216.87% -182.23% -301.87% -194.03%
2023 -495.09% - - -

YoY Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 992k -6.109m 9.669m -3.541m
2021 9.331m 42.41m 18.18m 57.87m
2022 22.39m -66.14m -84.06m -115m
2023 -161.9m - - -

QoQ % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 -79.91% -715.83% -258.27% -85.54%
2021 638.41% 251.6% -23.28% 112.85%
2022 -44.81% -191.24% 88.33% -0.86%
2023 131.91% - - -

Income Tax Expense

Year Q1 Q2 Q3 Q4
2019 - - - $74k
2020 - - - $371k
2021 $221k $-988k $-1.268m $323k
2022 $19k $24k $12k $-464k
2023 $16k - - -

YoY % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - 401.35%
2021 - -Infinity% -Infinity% -12.94%
2022 -91.4% -102.43% -100.95% -243.65%
2023 -15.79% - - -

YoY Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - 297k
2021 221k -988k -1.268m -48k
2022 -202k 1.012m 1.28m -787k
2023 -3k - - -

QoQ % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - -
2021 -40.43% -547.06% 28.34% -125.47%
2022 -94.12% 26.32% -50.0% -3966.67%
2023 -103.45% - - -

Net Income

Year Q1 Q2 Q3 Q4
2019 - - - $6.051m
2020 $1.48m $-6.193m $9.669m $1.027m
2021 $10.1m $37.28m $29.11m $58.94m
2022 $32.69m $-29.87m $-56.22m $-55.26m
2023 $-129.3m - - -

YoY % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - -Infinity% - -83.03%
2021 582.57% -702.03% 201.1% 5639.44%
2022 223.62% -180.12% -293.12% -193.76%
2023 -495.37% - - -

YoY Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 1.48m -6.193m 9.669m -5.024m
2021 8.622m 43.48m 19.44m 57.92m
2022 22.59m -67.16m -85.34m -114.2m
2023 -161.9m - - -

QoQ % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 -75.54% -518.45% -256.13% -89.38%
2021 883.64% 269.08% -21.92% 102.47%
2022 -44.54% -191.37% 88.22% -1.71%
2023 133.89% - - -

Balance Sheet

Deferred Revenue

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - -
2021 - - - -
2022 - - - -
2023 - - - -

YoY % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - -
2021 - - - -
2022 - - - -
2023 - - - -

YoY Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - -
2021 - - - -
2022 - - - -
2023 - - - -

QoQ % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 - - - -
2021 - - - -
2022 - - - -
2023 - - - -

Cash Flow

Operating Cash Flow

Year Q1 Q2 Q3 Q4
2019 - - - $10.56m
2020 $-86.52m $15.98m $17.72m $68.51m
2021 $43.09m $92.8m $43.6m $-11.14m
2022 $-266.8m $-53.64m $-101.4m $-252.9m
2023 $-75.73m - - -

YoY % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 -Infinity% - - 549.11%
2021 -149.8% 480.64% 146.03% -116.27%
2022 -719.13% -157.8% -332.49% 2169.18%
2023 -71.62% - - -

YoY Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 -86.52m 15.98m 17.72m 57.96m
2021 129.6m 76.82m 25.88m -79.66m
2022 -309.9m -146.4m -145m -241.7m
2023 191.1m - - -

QoQ % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 -919.73% -118.47% 10.88% 286.6%
2021 -37.1% 115.36% -53.02% -125.56%
2022 2294.07% -79.89% 88.96% 149.47%
2023 -70.05% - - -

Free Cash Flow

Year Q1 Q2 Q3 Q4
2019 - - - $6.543m
2020 $-87.89m $14.78m $16.04m $67.16m
2021 $42.49m $89.26m $38.31m $-16.83m
2022 $-272.1m $-60.76m $-106.9m $-257.9m
2023 $-81.19m - - -

YoY % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 -Infinity% - - 926.41%
2021 -148.35% 503.84% 138.87% -125.06%
2022 -740.33% -168.07% -378.98% 1432.42%
2023 -70.16% - - -

YoY Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 -87.89m 14.78m 16.04m 60.62m
2021 130.4m 74.48m 22.27m -83.99m
2022 -314.6m -150m -145.2m -241m
2023 190.9m - - -

QoQ % Change

Year Q1 Q2 Q3 Q4
2019 - - - -
2020 -1443.24% -116.82% 8.51% 318.69%
2021 -36.73% 110.07% -57.08% -143.92%
2022 1516.94% -77.67% 75.91% 141.24%
2023 -68.52% - - -