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UPST
Upstart Holdings, Inc.
23.66
+0.01 +0.04%
USD · close Oct 21
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Work order
35
FLAG · insiders 30, shorts 39
Insiders, 90 days
−$2.7M
net selling · 1 buy, 6 sells
Congress, 90 days
0 / 0
no disclosures naming it
Big money
0 / 15
none of the tracked funds disclose it
Calls on record
0
nobody we score has called it yet
MKT CAP $4.6BP/E 48.3DIV YIELD —FCF YIELD -6.28%REV TTM $1.2B +46.3%NET INCOME $60.3MNET CASH —52W 22.74 – 52.74SEC XBRL · TTM TO Invalid Date
Financials
By quarter
| Period | Revenue | YoY | Gross margin | Operating income | Net income | YoY | EPS | Op. cash flow | Capex | Free cash flow | Filed |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 · Jun 30 | $364.7M | +41.7% | — | $14.6M | $16.5M | +195.0% | 0.16 | −$136.6M | $2.1M | −$138.7M | Aug 4 |
| Q1 2026 · Mar 31 | $308.2M | +44.4% | — | −$7.5M | −$6.6M | — | -0.07 | −$133.3M | $2.8M | −$136M | May 5 |
| Q4 2025 · Dec 31derived | $296.1M | +35.2% | — | $18.9M | $18.6M | — | 0.17 | $108.6M | $157K | $108.4M | Feb 10 |
| Q3 2025 · Sep 30 | $277.1M | +70.9% | — | $23.7M | $31.8M | — | 0.23 | −$122.6M | $75K | −$122.7M | Nov 4 |
| Q2 2025 · Jun 30 | $257.3M | +101.6% | — | $4.5M | $5.6M | — | 0.05 | −$120.2M | $115K | −$120.3M | Aug 4 |
| Q1 2025 · Mar 31 | $213.4M | +67.0% | — | −$4.5M | −$2.4M | — | -0.03 | −$13.5M | $0 | −$13.5M | May 5 |
| Q4 2024 · Dec 31derived | $219M | +56.1% | — | −$4.8M | −$2.8M | — | -0.02 | −$110.9M | $0 | −$110.9M | Feb 10 |
| Q3 2024 · Sep 30 | $162.1M | +20.5% | — | −$45.2M | −$6.8M | — | -0.07 | $179.3M | $116K | $179.2M | Nov 4 |
| Q2 2024 · Jun 30 | $127.6M | — | — | −$55.5M | −$54.5M | — | -0.62 | $73.6M | $37K | $73.5M | Aug 6 |
| Q1 2024 · Mar 31 | $127.8M | — | — | −$67.5M | −$64.6M | — | -0.74 | $44.3M | $684K | $43.7M | May 6 |
| Q4 2023 · Dec 31derived | $140.3M | — | — | −$47.5M | −$42.4M | — | -0.49 | −$145.6M | $242K | −$145.8M | Feb 10 |
| Q3 2023 · Sep 30 | $134.6M | — | — | −$43.8M | −$40.3M | — | -0.48 | −$107.7M | $135K | −$107.8M | Nov 8 |
By fiscal year
| Year | Revenue | Gross margin | Operating income | Net income | Net margin | EPS | Op. cash flow | Capex | Free cash flow | Buybacks | Dividends paid |
|---|---|---|---|---|---|---|---|---|---|---|---|
| FY2025 · to Dec 31 | $1B | — | $42.6M | $53.6M | 5.1% | 0.45 | −$147.7M | $347K | −$148.1M | — | — |
| FY2024 · to Dec 31 | $636.5M | — | −$172.9M | −$128.6M | -20.2% | -1.44 | $186.3M | $837K | $185.5M | $0 | — |
| FY2023 · to Dec 31 | $513.6M | — | −$256.5M | −$240.1M | -46.8% | -2.87 | −$111.7M | $1.5M | −$113.2M | $0 | — |
| FY2022 · to Dec 31 | $842.4M | — | −$113.9M | −$108.7M | -12.9% | -1.31 | −$657.9M | $8.8M | −$666.7M | $177.9M | — |
| FY2021 · to Dec 31 | $848.6M | — | $140.9M | $135.4M | 16.0% | 1.43 | $168.4M | $8.4M | $159.9M | $0 | — |
| FY2020 · to Dec 31 | $233.4M | — | $11.8M | $6M | 2.6% | 0.00 | $15.7M | $1.4M | $14.3M | — | — |
Every number comes from Upstart Holdings, Inc.'s own XBRL-tagged filings with the SEC, not a data vendor. Quarters marked derived are the fiscal year minus the three reported quarters, the same way every data provider computes Q4. Restated figures replace originals as later filings arrive.