Upstart Holdings, Inc.
UPST Financial Credit Services
Upstart Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.0 billion, up 64.0% from fiscal 2024. In the quarter to June 2026, revenue grew 41.8%, EPS grew 183.3%, free cash flow fell 14.7% and total debt rose 40.2%, each against the same quarter a year earlier. Insiders bought in the last twelve months.
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An Income Statement, also known as a Profit and Loss Statement, summarizes a company's revenues, expenses, and profits over a specific period. It highlights how revenue is transformed into net income, showcasing operational efficiency. Key components include total revenue, cost of goods sold (COGS), gross profit, operating expenses, and net profit. Businesses use the Income Statement to assess financial performance, make strategic decisions, and ensure profitability. Investors and stakeholders analyze it to gauge the company’s financial health and future growth potential.
| Older periods | Sep '25 | Dec '25 | Mar '26 | Jun '26 | |
|---|---|---|---|---|---|
Revenue |
+8 more quarters Free account |
277.11 | 296.09 | 308.21 | 364.71 |
Revenue Growth |
70.90% | 35.22% | 44.45% | 41.75% | |
Cost of Revenue |
49.79 | 51.84 | 55.10 | 61.32 | |
Gross Profit |
227.32 | 244.25 | 253.12 | 303.39 | |
R&D Expenses |
64.03 | 66.91 | 80.11 | 93.86 | |
SG&A Expenses |
139.62 | 158.42 | 180.53 | 194.89 | |
Operating Income |
23.67 | 18.92 | (7.52) | 14.64 | |
Non-operating Income/Expense |
8.26 | 0.24 | 0.96 | 2.51 | |
| 31.93 | 19.16 | (6.56) | 17.15 | ||
Income Tax Provision |
0.12 | 0.53 | 0.08 | 0.61 | |
Income after Tax |
31.81 | 18.64 | (6.65) | 16.54 | |
Net Income Common |
31.81 | 18.64 | (6.65) | 16.54 | |
EPS (Basic) |
0.33 | 0.19 | (0.07) | 0.17 | |
EPS (Diluted) |
0.23 | 0.17 | (0.07) | 0.16 | |
Shares (Basic, Weighted) |
96.68 | 96.03 | 96.90 | 96.57 | |
Shares (Diluted, Weighted) |
109.73 | 107.49 | 96.90 | 109.72 | |
Gross Margin |
82.03% | 82.49% | 82.12% | 83.19% | |
EBIT Margin |
8.54% | 6.39% | (2.44%) | 4.01% | |
EBT margin |
11.52% | 6.47% | (2.13%) | 4.70% | |
Net Profit Margin |
11.48% | 6.29% | (2.16%) | 4.53% | |
EBITDA |
29.80 | 25.38 | (1.66) | 21.77 | |
EBIT |
23.67 | 18.92 | (7.52) | 14.64 | |
Income from Continuous Operations |
31.81 | 18.64 | (6.65) | 16.54 | |
Consolidated Net Income/Loss |
31.81 | 18.64 | (6.65) | 16.54 | |
EPS (Basic, from Continuous Ops) |
0.33 | 0.20 | (0.07) | 0.17 | |
EPS (Diluted, from Cont. Ops) |
0.29 | 0.18 | (0.07) | 0.15 | |
EPS (Basic, Consolidated) |
0.33 | 0.20 | (0.07) | 0.17 | |
EPS (Diluted, Consolidated) |
0.29 | 0.18 | (0.07) | 0.15 | |
Shares (Diluted, Average) |
109.73 | 112.22 | 96.90 | 109.72 | |
EBITDA Margin |
10.75% | 8.57% | (0.54%) | 5.97% | |
Operating Cash Flow Margin |
(44.25%) | 36.66% | (43.25%) | (37.46%) |