Upstart Holdings, Inc.
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform aggregates consumer demand for loans and connects it to its network of the company's AI-enable…
Financial - Credit Services
US, San Mateo [HQ]
UPST/Financial Reporting
Income Statements
7 Sheets · Starting from 2017In Million USD. Margins, Growth Rates In %
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | 66.00 | 125.00 | 190.00 | 241.00 | 851.00 | 853.00 | 513.00 | |
|
EPS
|
-0.56 | -0.87 | -0.01 | 0.08 | 1.73 | -1.31 | -2.87 | |
| Diluted in mil. | -0.56 | -0.87 | -0.01 | 0.08 | 1.43 | -1.31 | -2.87 | |
|
Profit
|
56.00 | 110.00 | 165.00 | 203.00 | 734.00 | 665.00 | 488.00 | |
| Gross Margin | 84.66 | 87.75 | 86.92 | 84.43 | 86.20 | 77.97 | 95.15 | |
| Pre Tax | -8.00 | -11.00 | -4.00 | 5.00 | 133.00 | -109.00 | -240.00 | |
| Profit Margin | -13.27 | -8.92 | -2.59 | 2.46 | 15.70 | -12.78 | -46.74 | |
| ETR | -0.07 | -9.81 | -1.50 | 6.24 | 1.28 | -0.37 | -0.04 | |
| Net | -7.00 | -12.00 | - - | 5.00 | 135.00 | -108.00 | -240.00 | |
| Profit Margin | -11.57 | -9.79 | -0.24 | 2.48 | 15.90 | -12.73 | -46.76 | |
| EBITDA | 1.00 | 18.00 | 22.00 | 22.00 | 152.00 | -89.00 | -231.00 | |
| EBITDA Margin | 2.96 | 14.97 | 11.90 | 9.14 | 17.95 | -10.49 | -45.10 | |
| Operating Income | 1.00 | 18.00 | 21.00 | 19.00 | 145.00 | -103.00 | -256.00 | |
| Operating Margin | 2.82 | 14.72 | 11.49 | 8.20 | 17.07 | -12.07 | -49.95 | |
| Interest Income | 21.00 | 76.00 | 63.00 | 4.00 | 47.00 | 105.00 | 168.00 | |
| Loss | -66.00 | -110.00 | -170.00 | -227.00 | -714.00 | -960.00 | -770.00 | |
| Cost of Revenue | -10.00 | -15.00 | -24.00 | -37.00 | -117.00 | -187.00 | -24.00 | |
|
Operating Expenses
|
-55.00 | -95.00 | -145.00 | -190.00 | -597.00 | -772.00 | -745.00 | |
| R&D | -5.00 | -8.00 | -18.00 | -38.00 | -133.00 | -237.00 | -280.00 | |
| G&A | -15.00 | -19.00 | -31.00 | -45.00 | -121.00 | -185.00 | -212.00 | |
| SG&A | -49.00 | -83.00 | -125.00 | -145.00 | -454.00 | -531.00 | -465.00 | |
| S&M | -33.00 | -63.00 | -93.00 | -99.00 | -333.00 | -345.00 | -127.00 | |
| Depreciation and Amortization | - - | - - | - - | -2.00 | -7.00 | -13.00 | -24.00 | |
| Interest Expenses | -9.00 | -26.00 | -26.00 | -8.00 | -3.00 | -10.00 | -34.00 | |
| Other Expenses | -10.00 | -29.00 | -26.00 | -13.00 | -11.00 | -6.00 | -16.00 | |
|
WA Shares Outstanding
|
13.00 | 14.00 | 73.00 | 73.00 | 78.00 | 82.00 | 83.00 | |
| Diluted | 13.00 | 14.00 | 73.00 | 73.00 | 94.00 | 82.00 | 83.00 |