Upstart Holdings, Inc.UPSTNASDAQ

Revenue (LTM)

$1.1B

+58.9% YoY

Net Income (LTM)

$54M

+141.7% YoY

Free Cash Flow

$-166M

Revenue CAGR (5Y)

+6.1%

Marginsdeclining

FCFTurned negative

Now profitable

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Revenue	850	853↑0.4%	548↓35.8%	677↑23.6%	1,076↑58.9%
Gross Profit	847	838↓1.0%	508↓39.3%	629↑23.8%	1,024↑62.8%
Operating Income	134	-109↓181.6%	-240↓120.1%	-128↑46.5%	54↑142.3%
Net Income	135	-109↓180.2%	-240↓121.0%	-129↑46.5%	54↑141.7%
EBITDA	141	-96↓167.6%	-215↓125.1%	-108↑49.9%	79↑173.4%
EPS Diluted	1.43	-1.31↓191.6%	-2.87↓119.1%	-1.44↑49.8%	0.45↑131.3%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Cash & Equivalents	995	432↓56.5%	377↓12.7%	794↑110.3%	657↓17.2%
Total Current Assets	1,089	502↓53.9%	451↓10.2%	1,081↑139.8%	1,199↑11.0%
Total Assets	1,820	1,936↑6.4%	2,017↑4.2%	2,367↑17.3%	2,975↑25.7%
Total Current Liabilities	140	400↑185.9%	458↑14.4%	458↓0.1%	401↓12.4%
Total Liabilities	1,013	1,264↑24.7%	1,382↑9.4%	1,734↑25.5%	2,176↑25.5%
Total Equity	807	672↓16.7%	635↓5.5%	633↓0.3%	799↑26.2%
Total Debt	796	1,087↑36.6%	1,103↑1.4%	1,452↑31.7%	1,850↑27.4%
Net Debt	-199	655↑428.7%	725↑10.8%	659↓9.2%	1,193↑81.1%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Operating Cash Flow	168	-658↓490.8%	-112↑83.0%	186↑266.8%	-148↓179.3%
Capital Expenditure	-15	-23↓51.6%	-12↑47.3%	-10↑17.3%	-18↓84.3%
Free Cash Flow	153	-681↓544.3%	-124↑81.8%	176↑242.4%	-166↓194.2%
Stock-Based Comp	73	126↑72.1%	175↑39.0%	133↓23.8%	132↓1.1%
Net Change in Cash	880	-659↓174.9%	-65↑90.2%	508↑886.1%	81↓84.1%

Values in millions except EPS · Ratios shown as percentages · Click any metric to drill down

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