Upstart Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . Upstart Holdings
UPST Stock  USD 50.68  0.02  0.04%   
Analyzing historical trends in various income statement and balance sheet accounts from Upstart Holdings' financial statements helps investors evaluate the company's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Upstart Holdings' valuation are summarized below:
Gross Profit
820.6 M
Profit Margin
0.0323
Market Capitalization
4.9 B
Enterprise Value Revenue
7.1204
Revenue
997.7 M
There are currently one hundred twenty fundamental trend indicators for Upstart Holdings that can be evaluated and compared over time across competition. All traders should double-check Upstart Holdings' current fundamentals against the performance from 2010 to 2026 and make sure the trends continue to evolve in the right direction. Market Cap is likely to gain to about 5.2 B in 2026, whereas Enterprise Value is likely to drop slightly above 2.9 B in 2026.

Upstart Holdings Total Revenue

477.11 Million

Check Upstart Holdings financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Upstart Holdings' main balance sheet or income statement drivers, such as Tax Provision of 174.8 K, Net Interest Income of 166.9 M or Interest Income of 225 M, as well as many indicators such as Price To Sales Ratio of 4.74, Dividend Yield of 0.0 or PTB Ratio of 8.22. Upstart financial statements analysis is a perfect complement when working with Upstart Holdings Valuation or Volatility modules.
  
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Upstart Holdings Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Common Stock Shares Outstanding57.7 M102.9 M39.8 M
Slightly volatile
Total Assets1.5 B2.7 B1.1 B
Slightly volatile
Short and Long Term Debt Total1.8 B1.7 B740.7 M
Slightly volatile
Other Current Liabilities77.9 M92.1 M212.4 M
Slightly volatile
Total Current Liabilities247 M356.8 M161.8 M
Slightly volatile
Other Liabilities66.4 M119.1 M51.6 M
Slightly volatile
Property Plant And Equipment Net75.6 M94.8 M38.4 M
Slightly volatile
Accounts Payable11.6 M14.2 M7.2 M
Slightly volatile
Cash468.4 M912.6 M291 M
Slightly volatile
Non Current Assets Total886.2 M1.6 B485.8 M
Slightly volatile
Non Currrent Assets Other494.6 M471 M128.2 M
Slightly volatile
Other Assets1.4 B1.4 B666.3 M
Slightly volatile
Long Term Debt1.5 B1.4 B423.1 M
Slightly volatile
Cash And Short Term Investments468.4 M912.6 M291 M
Slightly volatile
Net Receivables152.8 M145.5 M42.1 M
Slightly volatile
Common Stock Total Equity5.7 K9.2 K3.8 K
Slightly volatile
Liabilities And Stockholders Equity1.5 B2.7 B1.1 B
Slightly volatile
Non Current Liabilities Total1.7 B1.6 B712.8 M
Slightly volatile
Other Current Assets24.6 M25.9 M303 M
Slightly volatile
Other Stockholder Equity1.3 B1.2 B372.8 M
Slightly volatile
Total Liabilities1 B2 B819.7 M
Slightly volatile
Net Invested Capital2.5 B2.3 B743.7 M
Slightly volatile
Property Plant And Equipment Gross90.5 M158.5 M49.2 M
Slightly volatile
Short and Long Term Debt179.4 M224.9 M114.1 M
Slightly volatile
Total Current Assets631.3 M1.1 B635.7 M
Pretty Stable
Capital Stock6.9 K10.3 K4.1 K
Slightly volatile
Short Term Debt179.4 M224.9 M114.1 M
Slightly volatile
Intangible Assets10.4 M10.8 M5.8 M
Slightly volatile
Common Stock6.9 K10.3 K4.1 K
Slightly volatile
Property Plant Equipment45.8 M50.8 M23.8 M
Slightly volatile
Capital Lease Obligations64.2 M57.8 M36.8 M
Slightly volatile
Short Term Investments4.4 M4.7 M11.6 M
Pretty Stable
Long Term Debt Total925 M1.1 B786.1 M
Slightly volatile
Capital Surpluse582.3 M643.4 M721.2 M
Slightly volatile
Long Term Investments45 M47.4 M41 M
Slightly volatile
Non Current Liabilities Other110.6 M115.9 M102 M
Slightly volatile

Upstart Holdings Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Net Interest Income166.9 M159 M47.4 M
Slightly volatile
Interest Income225 M214.3 M67.3 M
Slightly volatile
Depreciation And Amortization24.8 M23.6 M7 M
Slightly volatile
Interest Expense58.1 M55.3 M20.4 M
Slightly volatile
Selling General Administrative469.6 M447.3 M156.6 M
Slightly volatile
Selling And Marketing Expenses173.7 M191.8 M109.8 M
Slightly volatile
Total Revenue477.1 M778.5 M301.6 M
Slightly volatile
Gross Profit410.9 M723.2 M261.9 M
Slightly volatile
Other Operating Expenses496.1 M926.2 M320.4 M
Slightly volatile
Research Development306.3 M291.7 M94.8 M
Slightly volatile
Cost Of Revenue66.2 M55.3 M39.7 M
Slightly volatile
Total Operating Expenses513.1 M870.8 M327.6 M
Slightly volatile
Reconciled Depreciation24.8 M23.6 M6.7 M
Slightly volatile

Upstart Holdings Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation161.1 M153.4 M50 M
Slightly volatile
Begin Period Cash Flow388.1 M538 M238.5 M
Slightly volatile
Depreciation24.8 M23.6 M7 M
Slightly volatile
Capital Expenditures914.4 K962.5 K3.6 M
Slightly volatile
End Period Cash Flow1.2 B1.1 B386.5 M
Slightly volatile
Dividends Paid6.8 M9.7 M5 M
Slightly volatile
Cash Flows Other Operating349.8 M333.2 M94.6 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio4.747.326.5217
Pretty Stable
Days Sales Outstanding34.8661.4132.687
Slightly volatile
Stock Based Compensation To Revenue0.190.180.075
Slightly volatile
Capex To Depreciation0.04450.04684.882
Slightly volatile
EV To Sales5.388.27.7224
Slightly volatile
Payables Turnover3.673.53.3228
Slightly volatile
Sales General And Administrative To Revenue0.340.520.4433
Very volatile
Capex To Revenue0.00140.00140.0133
Slightly volatile
Cash Per Share5.947.986.3062
Slightly volatile
Days Payables Outstanding103108184
Slightly volatile
Intangibles To Total Assets0.02620.02910.0195
Slightly volatile
Current Ratio4.173.526.1607
Slightly volatile
Receivables Turnover11.886.1514.4058
Slightly volatile
Capex Per Share0.01020.01080.0979
Very volatile
Revenue Per Share6.986.816.5694
Slightly volatile
Interest Debt Per Share16.7519.2925.9697
Slightly volatile
Debt To Assets0.390.550.6235
Slightly volatile
Graham Number11.7218.0712.4489
Slightly volatile
Operating Cycle34.8661.4132.687
Slightly volatile
Days Of Payables Outstanding103108184
Slightly volatile
Ebt Per Ebit1.031.271.2677
Slightly volatile
Total Debt To Capitalization0.850.80.8108
Pretty Stable
Quick Ratio4.173.526.1607
Slightly volatile
Net Income Per E B T0.710.90.87
Very volatile
Cash Ratio1.862.31.6825
Slightly volatile
Days Of Sales Outstanding34.8661.4132.687
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.740.90.9087
Pretty Stable
Fixed Asset Turnover8.979.44500
Slightly volatile
Debt Ratio0.390.550.6235
Slightly volatile
Price Sales Ratio4.747.326.5217
Pretty Stable
Asset Turnover0.410.330.2647
Slightly volatile
Gross Profit Margin0.750.840.8818
Pretty Stable

Upstart Holdings Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap5.2 B5 B2.2 B
Slightly volatile
Enterprise Value2.9 B5.5 B2.4 B
Slightly volatile

Upstart Fundamental Market Drivers

Forward Price Earnings21.1416
Cash And Short Term Investments793.6 M

Upstart Upcoming Events

13th of February 2024
Upcoming Quarterly Report
View
14th of May 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
13th of February 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

About Upstart Holdings Financial Statements

Upstart Holdings shareholders use historical fundamental indicators, such as revenue or net income, to determine how well the company is positioned to perform in the future. Although Upstart Holdings investors may analyze each financial statement separately, they are all interrelated. The changes in Upstart Holdings' assets and liabilities, for example, are also reflected in the revenues and expenses on on Upstart Holdings' income statement. Understanding these patterns can help investors time the market effectively. Please read more on our fundamental analysis page.
Last ReportedProjected for Next Year
Current Deferred Revenue-348.7 M-366.1 M
Total Revenue778.5 M477.1 M
Cost Of Revenue55.3 M66.2 M
Stock Based Compensation To Revenue 0.18  0.19 
Sales General And Administrative To Revenue 0.52  0.34 
Revenue Per Share 6.81  6.98 
Ebit Per Revenue(0.22)(0.23)

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Additional Tools for Upstart Stock Analysis

When running Upstart Holdings' price analysis, check to measure Upstart Holdings' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Upstart Holdings is operating at the current time. Most of Upstart Holdings' value examination focuses on studying past and present price action to predict the probability of Upstart Holdings' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Upstart Holdings' price. Additionally, you may evaluate how the addition of Upstart Holdings to your portfolios can decrease your overall portfolio volatility.
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