Upstart Holdings, Inc. financial data

Symbol
UPST on Nasdaq
Industry
Finance Services
Location
2950 S. Delaware Street, Suite 300, San Mateo, CA
State of incorporation
Delaware
Fiscal year end
December 31
Latest financial report
10-Q - Q2 2024 - Aug 7, 2024

Key Ratios

Label TTM Value / Value Unit Change %
Debt-to-equity 213 % +18.2%
Return On Assets -10.4 % +28.1%
Operating Margin -40.4 % +22.1%

Shares

Label TTM Value / Value Unit Change %
Entity Common Stock, Shares Outstanding 89.5M shares +6.71%
Common Stock, Shares, Outstanding 89.1M shares +6.29%
Entity Public Float 2.59B USD +16.1%
Common Stock, Value, Issued 9K USD +12.5%
Weighted Average Number of Shares Outstanding, Basic 88.4M shares +6.38%
Weighted Average Number of Shares Outstanding, Diluted 88.4M shares +6.38%

Income Statement

Label TTM Value / Value Unit Change %
Revenues 530M USD -2.31%
Revenue from Contract with Customer, Excluding Assessed Tax 563M USD -45.8%
Research and Development Expense 234M USD -21.7%
Selling and Marketing Expense 140M USD -13.9%
General and Administrative Expense 220M USD +11.1%
Operating Income (Loss) -214M USD +23.9%
Income Tax Expense (Benefit) 102K USD -16.7%
Net Income (Loss) Attributable to Parent -202M USD +25%
Earnings Per Share, Basic -2.31 USD/shares +29.1%
Earnings Per Share, Diluted -2.31 USD/shares +28%

Balance Sheet

Label TTM Value / Value Unit Change %
Property, Plant and Equipment, Net 39.7M USD -15.5%
Operating Lease, Right-of-Use Asset 49.1M USD -38.8%
Intangible Assets, Net (Excluding Goodwill) 10M USD -25.9%
Goodwill 67.1M USD 0%
Assets 1.82B USD +3.2%
Liabilities 1.23B USD +8.88%
Retained Earnings (Accumulated Deficit) -402M USD -101%
Stockholders' Equity Attributable to Parent 595M USD -6.81%
Liabilities and Equity 1.82B USD +3.2%

Popular Metrics

Label TTM Value / Value Unit Change %
Net Cash Provided by (Used in) Operating Activities 52.6M USD
Net Cash Provided by (Used in) Financing Activities -43.7M USD -308%
Net Cash Provided by (Used in) Investing Activities -37.5M USD -45.2%
Common Stock, Shares Authorized 700M shares 0%
Common Stock, Shares, Issued 89.1M shares +6.29%
Common Stock, Par or Stated Value Per Share 0 USD/shares 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect -28.6M USD +64.5%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents 561M USD +9.95%
Interest Paid, Excluding Capitalized Interest, Operating Activities 12.5M USD +56.6%
Deferred Tax Assets, Valuation Allowance 443M USD +14.2%
Deferred Tax Assets, Gross 477M USD +9.79%
Operating Lease, Liability 56.4M USD -41.4%
Depreciation 19.9M USD +2.27%
Payments to Acquire Property, Plant, and Equipment 684K USD -38.4%
Lessee, Operating Lease, Liability, to be Paid 63.4M USD -43.9%
Property, Plant and Equipment, Gross 85.9M USD +18%
Lessee, Operating Lease, Liability, to be Paid, Year Two 15.9M USD -9.66%
Lessee, Operating Lease, Liability, to be Paid, Year One 15.4M USD -9.69%
Operating Lease, Weighted Average Discount Rate, Percent 0.05 pure +25.9%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount 6.98M USD -51.1%
Lessee, Operating Lease, Liability, to be Paid, Year Three 15.5M USD -14.3%
Deferred Tax Assets, Operating Loss Carryforwards 329M USD +7.75%
Unrecognized Tax Benefits 22.2M USD +19.9%
Lessee, Operating Lease, Liability, to be Paid, Year Four 6.14M USD -65.4%
Operating Lease, Payments 21.8M USD +58.4%
Additional Paid in Capital 996M USD +18.9%
Depreciation, Depletion and Amortization 5.63M USD -12.6%
Deferred Tax Assets, Net of Valuation Allowance 33.4M USD -27.6%
Share-based Payment Arrangement, Expense 138M USD -22%
Interest Expense 38.5M USD +126%