7Baggers
Quarterly
Annual
    Unit: USD2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 
      
    		                    
      revenue:
    		                    
      revenue from fees
    		258,539,000 240,777,000 185,475,000 199,276,000 167,590,000 130,532,000 138,068,000 152,846,000 146,755,000 143,689,000 117,141,000 155,597,000 179,348,000 258,345,000 313,982,000 287,387,000 210,421,000 187,297,000 116,170,000  
      interest income, interest expense, and fair value adjustments, net:
    		                    
      interest income
    		57,203,000 45,623,000 40,568,000 41,461,000 40,845,000 52,883,000 51,171,000 52,073,000 37,692,000 33,916,000 45,315,000          
      interest expense
    		-8,794,000 -7,772,000 -7,020,000 -7,431,000 -10,818,000 -11,470,000 -10,714,000 -14,066,000 -9,414,000 -4,282,000 -7,132,000          
      fair value and other adjustments
    		-29,843,000 -21,337,000 -5,652,000 -14,342,000 -35,477,000 -44,315,000 -50,731,000 -50,541,000 -40,476,000 -37,557,000 -52,397,000          
      total interest income, interest expense, and fair value adjustments
    		18,566,000 16,514,000 27,896,000 19,688,000 -5,450,000 -2,902,000 -10,274,000              
      total revenue
    		277,105,000 257,291,000 213,371,000 218,964,000 162,140,000 127,630,000 127,794,000 140,312,000 134,557,000 135,766,000 102,927,000 146,913,000 157,233,000 228,162,000 310,136,000 304,848,000 228,450,000 193,946,000 121,345,000  
      yoy
    		70.90% 101.59% 66.96% 56.06% 20.50% -5.99% 24.16% -4.49% -14.42% -40.50% -66.81% -51.81% -31.17% 17.64% 155.58%      
      qoq
    		7.70% 20.58% -2.55% 35.05% 27.04% -0.13% -8.92% 4.28% -0.89% 31.91% -29.94% -6.56% -31.09% -26.43% 1.73% 33.44% 17.79% 59.83%   
      operating expenses:
    		                    
      sales and marketing
    		78,844,000 73,105,000 58,970,000 55,463,000 43,229,000 32,958,000 35,150,000 38,772,000 33,042,000 23,891,000 31,438,000 50,753,000 56,362,000 105,212,000 133,449,000 114,815,000 93,346,000 75,916,000 49,376,000  
      customer operations
    		49,790,000 46,246,000 40,501,000 40,602,000 39,302,000 38,684,000 39,408,000 36,117,000 36,914,000 36,797,000 40,590,000 43,487,000 45,028,000 51,072,000 48,407,000 41,049,000 34,978,000 24,164,000 17,388,000  
      engineering and product development
    		64,026,000 68,825,000 57,838,000 67,222,000 64,887,000 58,453,000 63,091,000 57,152,000 54,941,000 57,974,000 110,071,000 64,029,000 66,182,000 57,045,000 49,991,000 46,495,000 37,085,000 31,431,000 18,988,000  
      general, administrative, and other
    		60,779,000 64,573,000 60,558,000 60,427,000 59,874,000 53,021,000 57,613,000 55,772,000 53,505,000 50,448,000 52,663,000 47,142,000 47,752,000 46,940,000 43,456,000 42,075,000 34,442,000 26,141,000 20,019,000  
      total operating expenses
    		253,439,000 252,749,000 217,867,000 223,714,000 207,292,000 183,116,000 195,262,000 187,813,000 178,402,000 169,110,000 234,762,000 205,411,000 215,324,000 260,269,000 275,303,000 244,434,000 199,851,000 157,652,000 105,771,000  
      income from operations
    		23,666,000 4,542,000 -4,496,000 -4,750,000 -45,152,000 -55,486,000 -67,468,000 -47,501,000 -43,845,000 -33,344,000 -131,835,000 -58,498,000 -58,091,000 -32,107,000 34,833,000 60,414,000 28,599,000 36,294,000 15,574,000  
      yoy
    		-152.41% -108.19% -93.34% -90.00% 2.98% 66.40% -48.82% -18.80% -24.52% 3.85% -478.48% -196.83% -303.12% -188.46% 123.66%      
      qoq
    		421.05% -201.02% -5.35% -89.48% -18.62% -17.76% 42.03% 8.34% 31.49% -74.71% 125.37% 0.70% 80.93% -192.17% -42.34% 111.25% -21.20% 133.04%   
      operating margin %
    		8.54% 1.77% -2.11% -2.17% -27.85% -43.47% -52.79% -33.85% -32.58% -24.56% -128.09% -39.82% -36.95% -14.07% 11.23% 19.82% 12.52% 18.71% 12.83%  
      other income
    		1,017,000 1,114,000 2,078,000 9,800,000 5,078,000 1,031,000 2,884,000 9,872,000 3,540,000 5,197,000 2,597,000 7,455,000 1,880,000 2,260,000 -2,122,000 22,000 22,000 15,000 -5,233,000  
      gain on debt extinguishment
    		7,246,000    33,361,000                
      net income before income taxes
    		31,929,000 5,656,000 -2,418,000 -2,644,000 -6,713,000 -54,455,000 -64,584,000 -42,335,000 -40,305,000 -28,147,000 -129,238,000 -55,727,000 -56,211,000 -29,847,000 32,711,000 59,267,000 27,845,000 36,296,000 10,323,000  
      benefit from income taxes
    		124,000 49,000 29,000 18,500 45,000 15,000 14,000 11,000 10,000 18,000 16,000    19,000    221,000  
      net income
    		31,805,000 5,607,000 -2,447,000 -2,755,000 -6,758,000 -54,470,000 -64,598,000 -42,398,000 -40,315,000 -28,165,000 -129,254,000 -13,350,500 -56,223,000 -29,871,000 32,692,000      
      yoy
    		-570.63% -110.29% -96.21% -93.50% -83.24% 93.40% -50.02% 217.58% -28.29% -5.71% -495.37%          
      qoq
    		467.24% -329.14% -11.18% -59.23% -87.59% -15.68% 52.36% 5.17% 43.14% -78.21% 868.16% -76.25% 88.22% -191.37%       
      net income margin %
    		11.48% 2.18% -1.15% -1.26% -4.17% -42.68% -50.55% -30.22% -29.96% -20.75% -125.58% -9.09% -35.76% -13.09% 10.54% 0% 0% 0% 0%  
      net income per share
    		0.33 0.06 -0.03 -0.02 -0.07 -0.62 -0.74 -0.49 -0.48 -0.34 -1.58 -0.16 -0.69 -0.36 0.39 0.73 0.37 0.49 0.14  
      weighted-average number of shares outstanding used in computing net income per share, basic
    		96,682,774 95,526,364 94,274,538 89,450,038 90,119,481 88,435,893 87,030,695 83,765,896 84,404,966 83,130,638 81,911,433  81,672,099 83,833,963 84,230,445      
      weighted-average number of shares outstanding used in computing net income per share, diluted
    		109,724,669 102,852,284 94,274,538 89,450,038 90,119,481 88,435,893 87,030,695 83,765,896 84,404,966 83,130,638 81,911,433  81,672,099 83,833,963 95,457,776      
      interest income and fair value adjustments, net:
    		                    
      total interest income and fair value adjustments
    		       -8,583,750 -12,198,000 -7,923,000 -14,214,000          
      interest income and fair value adjustments
    		           -14,036,000 -22,115,000 -30,183,000 -3,846,000 17,461,000 18,029,000 6,649,000 5,175,000  
      benefit for income taxes
    		           -464,000 12,000 24,000  323,000 -1,268,000 -988,000   
      expense on warrants and convertible notes
    		               -1,169,000 -776,000    
      net income before attribution to noncontrolling interests
    		               58,944,000 29,113,000 37,284,000 10,102,000  
      net income attributable to noncontrolling interests
    		                    
      net income attributable to upstart holdings, inc. common stockholders
    		               58,944,000 29,113,000 37,284,000 10,102,000  
      weighted-average number of shares outstanding used in computing net income per share attributable to upstart holdings, inc. common stockholders, basic
    		                79,392,600 76,674,129 73,629,122  
      weighted-average number of shares outstanding used in computing net income per share attributable to upstart holdings, inc. common stockholders, diluted
    		           82,771,268    94,772,641 96,057,210 94,802,123 91,449,571  
      income on warrants and other non-operating expenses
    		                 -13,000 -18,000  
    The information provided in this report is taken from www.sec.gov and many other data providers. While we have conducted our best efforts to ensure that the parsed data is accurate, we cannot guarantee its accuracy. Please use caution and understand that any consequences of its use are your own responsibility.