US Stock MarketDetailed Quotes

Upstart (UPST)

Watchlist
  • 47.910
  • +1.460+3.14%
Close Jan 15 16:00 ET
  • 48.350
  • +0.440+0.92%
Pre 06:50 ET
4.66BMarket Cap184.27P/E (TTM)

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

Upstart (UPST) Income Statement

Quarterly+Annual
YOY yoy
Hide blank lines yoy
(Q3)Sep 30, 2025
(Q2)Jun 30, 2025
(Q1)Mar 31, 2025
(FY)Dec 31, 2024
(Q4)Dec 31, 2024
(Q3)Sep 30, 2024
(Q2)Jun 30, 2024
(Q1)Mar 31, 2024
(FY)Dec 31, 2023
(Q4)Dec 31, 2023
Total revenue
70.90%277.11M
101.59%257.29M
66.96%213.37M
23.76%628.83M
56.65%211.27M
20.50%162.14M
-5.99%127.63M
24.16%127.79M
-39.35%508.12M
-5.17%134.87M
Net interest income
61.22%48.41M
-8.60%37.85M
-17.08%33.55M
6.83%138.23M
-20.92%26.34M
6.19%30.03M
39.75%41.41M
5.96%40.46M
43.69%129.4M
10.68%33.3M
-Net interest income
40.05%57.2M
-13.73%45.62M
-20.72%40.57M
10.27%186.36M
-20.38%41.46M
8.37%40.85M
55.92%52.88M
12.92%51.17M
60.06%169M
32.53%52.07M
-Total interest expense
-18.71%8.79M
-32.24%7.77M
-34.48%7.02M
21.53%48.13M
-19.43%15.13M
14.91%10.82M
167.87%11.47M
50.22%10.71M
155.04%39.6M
103.93%18.77M
Non interest income
73.11%228.7M
154.52%219.44M
105.90%179.82M
29.54%490.6M
82.08%184.93M
24.31%132.11M
-18.76%86.22M
34.90%87.34M
-49.35%378.72M
-9.43%101.57M
-Fees and commissions
54.27%258.54M
84.46%240.78M
34.34%185.48M
13.39%635.47M
30.38%199.28M
14.20%167.59M
-9.16%130.53M
17.86%138.07M
-38.23%560.43M
-1.77%152.85M
-Other non interest income
----
----
----
----
----
----
----
----
---737K
----
-Gain loss on sale of assets
15.88%-29.84M
51.85%-21.34M
88.86%-5.65M
19.95%-144.87M
71.62%-14.34M
12.35%-35.48M
-17.99%-44.32M
3.18%-50.73M
-13.42%-180.97M
-16.31%-50.54M
Credit losses provision
Non interest expense
22.26%253.44M
40.93%252.75M
11.58%217.87M
6.69%805M
18.79%223.11M
16.19%207.29M
6.05%179.34M
-10.93%195.26M
-21.10%754.55M
-8.57%187.81M
Selling and administrative expenses
33.01%189.41M
47.54%183.92M
21.08%160.03M
13.43%555.73M
19.77%156.49M
15.34%142.41M
12.17%124.66M
6.00%132.17M
-31.86%489.95M
-7.58%130.66M
-General and administrative expense
11.49%110.57M
20.84%110.82M
4.16%101.06M
7.20%388.93M
9.95%101.03M
9.68%99.18M
5.11%91.71M
4.04%97.02M
-2.81%362.81M
1.39%91.89M
-Selling and marketing expense
82.39%78.84M
121.81%73.11M
67.77%58.97M
31.19%166.8M
43.05%55.46M
30.83%43.23M
37.95%32.96M
11.81%35.15M
-63.23%127.14M
-23.61%38.77M
Other non-interest expense
-1.33%64.03M
25.88%68.83M
-8.33%57.84M
-5.79%249.27M
16.56%66.62M
18.10%64.89M
-5.69%54.68M
-33.26%63.09M
11.53%264.6M
-10.74%57.15M
Income from associates and other participating interests
Special income (charges)
-78.28%7.25M
0
295.82%28.98M
-181.95%-604K
33.36M
-3.78M
0
-14.8M
737K
Less:Restructuring and mergern&acquisition
--0
--0
----
-71.79%4.38M
--604K
--0
--3.78M
--0
--15.54M
--0
Less:Other special charges
----
----
----
----
----
----
----
----
---737K
----
Gain on extinguishment of debt
78.28%-7.25M
----
----
---33.36M
--0
---33.36M
----
----
--0
--0
Other non-operating income (expenses)
-79.97%1.02M
8.05%1.11M
-27.95%2.08M
-11.38%18.79M
-0.73%9.8M
43.45%5.08M
-80.16%1.03M
11.05%2.88M
123.86%21.21M
32.42%9.87M
Income before tax
575.63%31.93M
110.39%5.66M
96.26%-2.42M
46.51%-128.4M
93.75%-2.64M
83.34%-6.71M
-93.47%-54.46M
50.03%-64.58M
-120.06%-240.03M
24.03%-42.34M
Income tax
175.56%124K
226.67%49K
107.14%29K
72.90%185K
76.19%111K
350.00%45K
-16.67%15K
-12.50%14K
126.16%107K
113.58%63K
Earnings from equity interest net of tax
Net income
570.63%31.81M
110.29%5.61M
96.21%-2.45M
46.45%-128.58M
93.50%-2.76M
83.24%-6.76M
-93.40%-54.47M
50.02%-64.6M
-120.98%-240.13M
23.28%-42.4M
Net Income continuous operations
570.63%31.81M
110.29%5.61M
96.21%-2.45M
46.45%-128.58M
93.50%-2.76M
83.24%-6.76M
-93.40%-54.47M
50.02%-64.6M
-120.98%-240.13M
23.28%-42.4M
Minority interest income
Net income attributable to the parent company
570.63%31.81M
110.29%5.61M
96.21%-2.45M
46.45%-128.58M
93.50%-2.76M
83.24%-6.76M
-93.40%-54.47M
50.02%-64.6M
-120.98%-240.13M
23.28%-42.4M
Preferred stock dividends
Other preferred stock dividend
Net income attributable to common stockholders
570.63%31.81M
110.29%5.61M
96.21%-2.45M
46.45%-128.58M
93.50%-2.76M
83.24%-6.76M
-93.40%-54.47M
50.02%-64.6M
-120.98%-240.13M
23.28%-42.4M
Basic earnings per share
571.43%0.33
109.68%0.06
95.95%-0.03
49.83%-1.44
94.00%-0.03
85.42%-0.07
-82.35%-0.62
53.16%-0.74
-119.08%-2.87
25.37%-0.5
Diluted earnings per share
428.57%0.23
108.06%0.05
95.95%-0.03
49.83%-1.44
94.00%-0.03
85.42%-0.07
-82.35%-0.62
53.16%-0.74
-119.08%-2.87
25.37%-0.5
Dividend per share
Currency Unit
USD
USD
USD
USD
USD
USD
USD
USD
USD
USD
Accounting Standards
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
Audit Opinions
--
--
--
Unqualified Opinion
--
--
--
--
Unqualified Opinion
--
(Q3)Sep 30, 2025(Q2)Jun 30, 2025(Q1)Mar 31, 2025(FY)Dec 31, 2024(Q4)Dec 31, 2024(Q3)Sep 30, 2024(Q2)Jun 30, 2024(Q1)Mar 31, 2024(FY)Dec 31, 2023(Q4)Dec 31, 2023
Total revenue 70.90%277.11M101.59%257.29M66.96%213.37M23.76%628.83M56.65%211.27M20.50%162.14M-5.99%127.63M24.16%127.79M-39.35%508.12M-5.17%134.87M
Net interest income 61.22%48.41M-8.60%37.85M-17.08%33.55M6.83%138.23M-20.92%26.34M6.19%30.03M39.75%41.41M5.96%40.46M43.69%129.4M10.68%33.3M
-Net interest income 40.05%57.2M-13.73%45.62M-20.72%40.57M10.27%186.36M-20.38%41.46M8.37%40.85M55.92%52.88M12.92%51.17M60.06%169M32.53%52.07M
-Total interest expense -18.71%8.79M-32.24%7.77M-34.48%7.02M21.53%48.13M-19.43%15.13M14.91%10.82M167.87%11.47M50.22%10.71M155.04%39.6M103.93%18.77M
Non interest income 73.11%228.7M154.52%219.44M105.90%179.82M29.54%490.6M82.08%184.93M24.31%132.11M-18.76%86.22M34.90%87.34M-49.35%378.72M-9.43%101.57M
-Fees and commissions 54.27%258.54M84.46%240.78M34.34%185.48M13.39%635.47M30.38%199.28M14.20%167.59M-9.16%130.53M17.86%138.07M-38.23%560.43M-1.77%152.85M
-Other non interest income -----------------------------------737K----
-Gain loss on sale of assets 15.88%-29.84M51.85%-21.34M88.86%-5.65M19.95%-144.87M71.62%-14.34M12.35%-35.48M-17.99%-44.32M3.18%-50.73M-13.42%-180.97M-16.31%-50.54M
Credit losses provision
Non interest expense 22.26%253.44M40.93%252.75M11.58%217.87M6.69%805M18.79%223.11M16.19%207.29M6.05%179.34M-10.93%195.26M-21.10%754.55M-8.57%187.81M
Selling and administrative expenses 33.01%189.41M47.54%183.92M21.08%160.03M13.43%555.73M19.77%156.49M15.34%142.41M12.17%124.66M6.00%132.17M-31.86%489.95M-7.58%130.66M
-General and administrative expense 11.49%110.57M20.84%110.82M4.16%101.06M7.20%388.93M9.95%101.03M9.68%99.18M5.11%91.71M4.04%97.02M-2.81%362.81M1.39%91.89M
-Selling and marketing expense 82.39%78.84M121.81%73.11M67.77%58.97M31.19%166.8M43.05%55.46M30.83%43.23M37.95%32.96M11.81%35.15M-63.23%127.14M-23.61%38.77M
Other non-interest expense -1.33%64.03M25.88%68.83M-8.33%57.84M-5.79%249.27M16.56%66.62M18.10%64.89M-5.69%54.68M-33.26%63.09M11.53%264.6M-10.74%57.15M
Income from associates and other participating interests
Special income (charges) -78.28%7.25M0295.82%28.98M-181.95%-604K33.36M-3.78M0-14.8M737K
Less:Restructuring and mergern&acquisition --0--0-----71.79%4.38M--604K--0--3.78M--0--15.54M--0
Less:Other special charges -----------------------------------737K----
Gain on extinguishment of debt 78.28%-7.25M-----------33.36M--0---33.36M----------0--0
Other non-operating income (expenses) -79.97%1.02M8.05%1.11M-27.95%2.08M-11.38%18.79M-0.73%9.8M43.45%5.08M-80.16%1.03M11.05%2.88M123.86%21.21M32.42%9.87M
Income before tax 575.63%31.93M110.39%5.66M96.26%-2.42M46.51%-128.4M93.75%-2.64M83.34%-6.71M-93.47%-54.46M50.03%-64.58M-120.06%-240.03M24.03%-42.34M
Income tax 175.56%124K226.67%49K107.14%29K72.90%185K76.19%111K350.00%45K-16.67%15K-12.50%14K126.16%107K113.58%63K
Earnings from equity interest net of tax
Net income 570.63%31.81M110.29%5.61M96.21%-2.45M46.45%-128.58M93.50%-2.76M83.24%-6.76M-93.40%-54.47M50.02%-64.6M-120.98%-240.13M23.28%-42.4M
Net Income continuous operations 570.63%31.81M110.29%5.61M96.21%-2.45M46.45%-128.58M93.50%-2.76M83.24%-6.76M-93.40%-54.47M50.02%-64.6M-120.98%-240.13M23.28%-42.4M
Minority interest income
Net income attributable to the parent company 570.63%31.81M110.29%5.61M96.21%-2.45M46.45%-128.58M93.50%-2.76M83.24%-6.76M-93.40%-54.47M50.02%-64.6M-120.98%-240.13M23.28%-42.4M
Preferred stock dividends
Other preferred stock dividend
Net income attributable to common stockholders 570.63%31.81M110.29%5.61M96.21%-2.45M46.45%-128.58M93.50%-2.76M83.24%-6.76M-93.40%-54.47M50.02%-64.6M-120.98%-240.13M23.28%-42.4M
Basic earnings per share 571.43%0.33109.68%0.0695.95%-0.0349.83%-1.4494.00%-0.0385.42%-0.07-82.35%-0.6253.16%-0.74-119.08%-2.8725.37%-0.5
Diluted earnings per share 428.57%0.23108.06%0.0595.95%-0.0349.83%-1.4494.00%-0.0385.42%-0.07-82.35%-0.6253.16%-0.74-119.08%-2.8725.37%-0.5
Dividend per share
Currency Unit USDUSDUSDUSDUSDUSDUSDUSDUSDUSD
Accounting Standards US-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAP
Audit Opinions ------Unqualified Opinion--------Unqualified Opinion--
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