Income Statement

UPSTART HOLDINGS, INC.

UPST
Annual
Performance Overview Click any row in the table to add it to this chart
in millions USD
Metric Dec 31, 2025 2025 FY Dec 31, 2024 2024 FY Dec 31, 2023 2023 FY Dec 31, 2022 2022 FY Dec 31, 2021 2021 FY
Revenue
93.85 1.06 -46.87 907.27 848.59
Cost of Revenue
- - - - -
Gross Profit
1,043.86 636.53 513.56 907.27 848.59
Operating Expenses
1,001.23 809.38 770.09 956.31 707.71
Research & Development
257.60 253.65 280.14 237.25 134.00
Selling, General & Administrative
301.51 230.94 212.39 345.78 333.45
Other Operating Expenses
- - - - -
Operating Income
42.63 -172.86 -256.53 -49.04 140.88
Non-Operating Income
- - - - -
Interest Income
204.23 186.36 169.00 105.58 20.63
Interest Expense
31.66 40.43 34.89 10.84 3.27
Other Non-Op Income / Expense
24.32 18.79 21.21 9.47 -5.17
Income Before Tax
- - - - -
Income Tax Expense
0.73 0.19 0.11 -0.41 -1.71
Non-Controlling Interest
- - - 0.00 0.00
Net Income
53.60 -128.58 -240.13 -108.67 135.44
Supplemental Per share data, derived & other items — not part of the income statement
in millions USD unless noted
Metric Dec 31, 2025 2025 FY Dec 31, 2024 2024 FY Dec 31, 2023 2023 FY Dec 31, 2022 2022 FY Dec 31, 2021 2021 FY
Depreciation & Amortization
- - - - -
EBITDA
67.47 -152.31 -231.62 -35.52 148.42
Earnings Per Share (Basic)
0.56 -1.44 -2.87 -1.31 1.73
Diluted EPS
0.45 -1.44 -2.87 -1.31 1.43
Weighted Average Shares
96.03 89.45 83.77 82.77 78.11
Diluted Weighted Avg Shares
107.49 89.45 83.77 82.77 94.77
Comprehensive Income
- - - - -