UPST
Upstart·NASDAQ
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UPST fundamentals
During Q4 2025, Upstart (UPST) reported revenue of 296.09M, a YoY change of 35.22%. Net income was 18.64M, a YoY change of 776.44%. Click to view the full income statement and explore the company's earnings performance.
Income Statement
Q4,2019 | Q1,2020 | Q2,2020 | Q3,2020 | Q4,2020 | Q1,2021 | Q2,2021 | Q3,2021 | Q4,2021 | Q1,2022 | Q2,2022 | Q3,2022 | Q4,2022 | Q1,2023 | Q2,2023 | Q3,2023 | Q4,2023 | Q1,2024 | Q2,2024 | Q3,2024 | Q4,2024 | Q1,2025 | Q2,2025 | Q3,2025 | Q4,2025 | TTM |
|---|
Start Date | Oct 1, 2019 | Jan 1, 2020 | Apr 1, 2020 | Jul 1, 2020 | Oct 1, 2020 | Jan 1, 2021 | Apr 1, 2021 | Jul 1, 2021 | Oct 1, 2021 | Jan 1, 2022 | Apr 1, 2022 | Jul 1, 2022 | Oct 1, 2022 | Jan 1, 2023 | Apr 1, 2023 | Jul 1, 2023 | Oct 1, 2023 | Jan 1, 2024 | Apr 1, 2024 | Jul 1, 2024 | Oct 1, 2024 | Jan 1, 2025 | Apr 1, 2025 | Jul 1, 2025 | Oct 1, 2025 | -- |
End Date | Dec 31, 2019 | Mar 31, 2020 | Jun 30, 2020 | Sep 30, 2020 | Dec 31, 2020 | Mar 31, 2021 | Jun 30, 2021 | Sep 30, 2021 | Dec 31, 2021 | Mar 31, 2022 | Jun 30, 2022 | Sep 30, 2022 | Dec 31, 2022 | Mar 31, 2023 | Jun 30, 2023 | Sep 30, 2023 | Dec 31, 2023 | Mar 31, 2024 | Jun 30, 2024 | Sep 30, 2024 | Dec 31, 2024 | Mar 31, 2025 | Jun 30, 2025 | Sep 30, 2025 | Dec 31, 2025 | -- |
Fiscal Year-End | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | -- |
Revenue | 62.57M -- | 63.99M -- | 17.35M -- | 65.36M -- | 86.71M +38.58% | 121.34M +89.62% | 193.95M +1017.65% | 228.45M +249.53% | 304.85M +251.57% | 310.14M +155.58% | 228.16M +17.64% | 157.23M -31.17% | 146.91M -51.81% | 102.93M -66.81% | 135.77M -40.50% | 134.56M -14.42% | 140.31M -4.49% | 127.79M +24.16% | 127.63M -5.99% | 162.14M +20.50% | 218.96M +56.06% | 213.37M +66.96% | 257.29M +101.59% | 277.11M +70.90% | 296.09M +35.22% | 1.04B -- |
Sales and Services Revenue | 61.15M -- | 63.99M -- | 17.35M -- | 62.83M -- | 84.42M +38.06% | 121.34M +89.62% | 193.95M +1017.65% | 228.45M +263.59% | 257.53M +205.06% | 310.14M +155.58% | 228.16M +17.64% | 157.23M -31.17% | 211.74M -17.78% | 102.93M -66.81% | 143.69M -37.02% | 146.75M -6.66% | 152.85M -27.81% | 138.07M +34.14% | 130.53M -9.16% | 162.14M +10.48% | 217.90M +42.56% | 185.47M +34.34% | 240.78M +84.46% | 277.11M +70.90% | 202.24M -7.19% | 905.60M -- |
Financing Services Revenue | 1.42M -- | -- -- | -- -- | 2.53M -- | 2.29M +60.74% | -- -- | -- -- | -- -- | 47.31M +1967.02% | -- -- | -- -- | -- -- | -64.83M -237.02% | -- -- | -7.92M -- | -12.20M -- | -12.53M +80.67% | -10.27M -- | -2.90M +63.37% | -- -- | 1.06M +108.47% | 27.90M +371.52% | 16.51M +669.06% | -- -- | 93.85M +8736.72% | -- -- |
Gross Profit | -- -- | 63.99M -- | 17.35M -- | -81.35M -- | -- -- | 121.34M +89.62% | 193.95M +1017.65% | 228.45M +380.83% | -543.74M -- | 310.14M +155.58% | 228.16M +17.64% | 157.23M -31.17% | -695.53M -27.92% | 102.93M -66.81% | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- |
Operating Expenses | 59.06M -- | 63.44M -- | 28.74M -- | 53.15M -- | 76.32M +29.23% | 105.77M +66.72% | 157.65M +448.53% | 199.85M +276.00% | 244.43M +220.29% | 275.30M +160.28% | 260.27M +65.09% | 215.32M +7.74% | 205.41M -15.96% | 234.76M -14.73% | 169.11M -35.02% | 178.40M -17.15% | 187.81M -8.57% | 195.26M -16.83% | 183.12M +8.28% | 207.29M +16.19% | 223.71M +19.12% | 217.87M +11.58% | 252.75M +38.03% | 253.44M +22.26% | 277.17M +23.90% | 1.00B -- |
Selling, General and Administrative Expenses | 43.41M -- | 47.61M -- | 14.45M -- | 33.83M -- | 49.38M +13.76% | 69.39M +45.75% | 102.06M +606.13% | 127.79M +277.78% | 156.89M +217.74% | 176.91M +154.92% | 152.15M +49.09% | 104.11M -18.53% | 97.89M -37.60% | 84.10M -52.46% | 74.34M -51.14% | 86.55M -16.87% | 94.54M -3.42% | 92.76M +10.30% | 85.98M +15.66% | 142.41M +64.54% | -1.50M -101.59% | 119.53M +28.85% | 137.68M +60.13% | 189.41M +33.01% | 21.88M +1554.85% | 468.50M -- |
Selling and Marketing Expenses | 31.94M -- | -- -- | -- -- | 65.11M -- | 34.55M +8.16% | -- -- | -- -- | -- -- | 333.45M +865.24% | -- -- | -- -- | -- -- | 345.78M +3.70% | -- -- | 23.89M -- | 33.04M -- | 38.77M -88.79% | 35.15M -- | 32.96M +37.95% | 43.23M +30.83% | 55.46M +43.05% | 58.97M +67.77% | 73.11M +121.81% | 78.84M +82.39% | 90.59M +63.33% | 301.51M -- |
General and Administrative Expenses | 11.47M -- | -- -- | -- -- | 30.78M -- | 14.83M +29.35% | -- -- | -- -- | -- -- | 122.68M +727.17% | -- -- | -- -- | -- -- | 185.29M +51.04% | -- -- | 50.45M -- | 53.51M -- | 55.77M -69.90% | 57.61M -- | 53.02M +5.10% | -- -- | 230.94M +314.07% | 60.56M +5.11% | 64.57M +21.79% | -- -- | 253.74M +9.88% | -- -- |
Research and Development Expenses | 7.30M -- | 7.02M -- | 7.67M -- | 9.97M -- | 14.15M +93.93% | 18.99M +170.56% | 31.43M +309.95% | 37.09M +272.12% | 46.49M +228.56% | 49.99M +163.28% | 57.05M +81.49% | 66.18M +78.46% | 64.03M +37.71% | 110.07M +120.18% | 57.97M +1.63% | 54.94M -16.98% | 57.15M -10.74% | 63.09M -42.68% | 58.45M +0.83% | 64.89M +18.10% | 67.22M +17.62% | 57.84M -8.33% | 68.83M +17.74% | 64.03M -1.33% | 66.91M -0.46% | 257.60M -- |
Other Operating Expenses | 8.35M -- | 8.81M -- | 6.62M -- | 9.36M -- | 12.79M +53.09% | 17.39M +97.34% | 24.16M +264.96% | 34.98M +273.70% | 41.05M +220.97% | 48.41M +178.39% | 51.07M +111.36% | 45.03M +28.73% | 43.49M +5.94% | 40.59M -16.15% | 36.80M -27.95% | 36.91M -18.02% | 36.12M -16.95% | 39.41M -2.91% | 38.68M +5.13% | -- -- | 158.00M +337.46% | 40.50M +2.77% | 46.25M +19.55% | -- -- | 188.38M +19.23% | -- -- |
Operating Income | 3.52M -- | 553.00K -- | -11.39M -- | 12.21M -- | 10.39M +195.59% | 15.57M +2716.27% | 36.29M +418.70% | 28.60M +134.28% | 60.41M +481.30% | 34.83M +123.66% | -32.11M -188.46% | -58.09M -303.12% | -58.50M -196.83% | -131.84M -478.48% | -33.34M -3.85% | -43.84M +24.52% | -47.50M +18.80% | -67.47M +48.82% | -55.49M -66.40% | -45.15M -2.98% | -4.75M +90.00% | -4.50M +93.34% | 4.54M +108.19% | 23.67M +152.41% | 18.92M +498.29% | 42.63M -- |
Non-Operating Income (Loss) | 1.42M -- | 439.00K -- | 5.28M -- | -2.54M -- | -8.99M -732.12% | -5.25M -1296.13% | 2.00K -99.96% | -754.00K +70.29% | -1.15M +87.25% | -2.12M +59.59% | 2.26M +112900.00% | 1.88M +349.34% | 2.77M +341.59% | 2.60M +222.38% | 5.20M +129.96% | 3.54M +88.30% | 5.17M +86.43% | 2.88M +11.05% | 1.03M -80.16% | 38.44M +985.85% | 2.11M -59.23% | 2.08M -27.95% | 1.11M +8.05% | 8.26M -78.50% | 243.00K -88.46% | 11.70M -- |
Gain (Loss) on Other Investment | 1.22M -- | -- -- | -- -- | -2.32M -- | -9.05M -842.17% | -- -- | -- -- | -- -- | -1.98M +78.16% | -- -- | -- -- | -- -- | -4.68M -137.04% | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- |
Other Non-Operating Income (Loss) | 204.00K -- | 439.00K -- | 5.28M -- | -221.00K -- | 52.00K -74.51% | -5.25M -1296.13% | 2.00K -99.96% | -754.00K -241.18% | 829.00K +1494.23% | -2.12M +59.59% | 2.26M +112900.00% | 1.88M +349.34% | 7.46M +799.28% | 2.60M +222.38% | 5.20M +129.96% | 3.54M +88.30% | 5.17M -30.70% | 2.88M +11.05% | 1.03M -80.16% | 38.44M +985.85% | 2.11M -59.23% | 2.08M -27.95% | 1.11M +8.05% | 8.26M -78.50% | 243.00K -88.46% | 11.70M -- |
Pretax Income From Continuing Operations | 4.94M -- | 992.00K -- | -6.11M -- | 9.67M -- | 1.40M -71.69% | 10.32M +940.63% | 36.30M +694.14% | 27.84M +187.98% | 59.27M +4139.41% | 32.71M +216.87% | -29.85M -182.23% | -56.21M -301.87% | -55.73M -194.03% | -129.24M -495.09% | -28.15M +5.70% | -40.30M +28.30% | -42.34M +24.03% | -64.58M +50.03% | -54.45M -93.47% | -6.71M +83.34% | -2.64M +93.75% | -2.42M +96.26% | 5.66M +110.39% | 31.93M +575.63% | 19.16M +824.74% | 54.33M -- |
Income Tax Expense | 74.00K -- | 0 -- | 0 -- | 0 -- | 371.00K +401.35% | 221.00K -- | -988.00K -- | -1.27M -- | 323.00K -12.94% | 19.00K -91.40% | 24.00K +102.43% | 12.00K +100.95% | -464.00K -243.65% | 16.00K -15.79% | 18.00K -25.00% | 10.00K -16.67% | 63.00K +113.58% | 14.00K -12.50% | 15.00K -16.67% | 45.00K +350.00% | 111.00K +76.19% | 29.00K +107.14% | 49.00K +226.67% | 124.00K +175.56% | 526.00K +373.87% | 728.00K -- |
Current Income Tax | 74.00K -- | -- -- | -- -- | -- -- | 371.00K +401.35% | -- -- | -- -- | -- -- | 229.00K -38.27% | -- -- | -- -- | -- -- | 174.00K -24.02% | -- -- | -- -- | -- -- | 107.00K -38.51% | -- -- | -- -- | -- -- | 185.00K +72.90% | -- -- | -- -- | -- -- | 728.00K +293.51% | -- -- |
Deferred Income Tax | 0 -- | -- -- | -- -- | -- -- | 0 -- | -- -- | -- -- | -- -- | -1.94M -- | -- -- | -- -- | -- -- | -583.00K +69.96% | -- -- | -- -- | -- -- | 0 +100.00% | -- -- | -- -- | -- -- | 0 -- | -- -- | -- -- | -- -- | 0 -- | -- -- |
Net Income | 4.87M -- | 992.00K -- | -6.11M -- | 9.67M -- | 1.03M -78.89% | 10.10M +918.35% | 37.28M +710.31% | 29.11M +201.10% | 58.94M +5639.44% | 32.69M +223.62% | -29.87M -180.12% | -56.22M -293.12% | -55.26M -193.76% | -129.25M -495.37% | -28.16M +5.71% | -40.31M +28.29% | -42.40M +23.28% | -64.60M +50.02% | -54.47M -93.40% | -6.76M +83.24% | -2.75M +93.50% | -2.45M +96.21% | 5.61M +110.29% | 31.80M +570.63% | 18.64M +776.44% | 53.60M -- |
Net Income Attributable to Minority Interests | -1.19M -- | -488.00K -- | 84.00K -- | 0 -- | 0 +100.00% | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- |
Net Income Attributable to Owners of the Company | 6.05M -- | 1.48M -- | -6.19M -- | 9.67M -- | 1.03M -83.03% | 10.10M +582.57% | 37.28M +702.03% | 29.11M +201.10% | 58.94M +5639.44% | 32.69M +223.62% | -29.87M -180.12% | -56.22M -293.12% | -55.26M -193.76% | -129.25M -495.37% | -28.16M +5.71% | -40.31M +28.29% | -42.40M +23.28% | -64.60M +50.02% | -54.47M -93.40% | -6.76M +83.24% | -2.75M +93.50% | -2.45M +96.21% | 5.61M +110.29% | 31.80M +570.63% | 18.64M +776.44% | 53.60M -- |
Preferred Stock Dividends | 0 -- | -- -- | -- -- | -- -- | 5.98M -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- |
Other Adjustments | -- -- | -- -- | -- -- | -1.79M -- | 1.79M -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- |
Net Income Attributable to Common Stockholders | 6.05M -- | 1.48M -- | -6.19M -- | 11.46M -- | -6.75M -211.52% | 10.10M +582.57% | 37.28M +702.03% | 29.11M +154.02% | 58.94M +973.50% | 32.69M +223.62% | -29.87M -180.12% | -56.22M -293.12% | -55.26M -193.76% | -129.25M -495.37% | -28.16M +5.71% | -40.31M +28.29% | -42.40M +23.28% | -64.60M +50.02% | -54.47M -93.40% | -6.76M +83.24% | -2.75M +93.50% | -2.45M +96.21% | 5.61M +110.29% | 31.80M +570.63% | 18.64M +776.44% | 53.60M -- |
Total Comprehensive Income Attributable to Owners of the Company | 4.87M -- | -- -- | -- -- | 4.55M -- | 1.03M -78.89% | -- -- | -- -- | -- -- | 135.44M +13088.22% | -- -- | -- -- | -- -- | -108.67M -180.23% | -- -- | -28.16M -- | -40.31M -- | 197.73M +281.97% | -64.60M -- | -54.47M -93.40% | -6.76M +83.24% | 125.83M -36.37% | -2.45M +96.21% | 5.61M +110.29% | 31.80M +570.63% | -34.97M -127.79% | -- -- |
Basic EPS | -- -- | 0 -- | -0.42 -- | 0.12 -- | 0.1 -- | 0.14 -- | 0.49 +216.67% | 0.37 +208.33% | 2.3 +2200.00% | 0.39 +178.57% | -0.36 -173.47% | -0.69 -286.49% | -0.68 -129.57% | -1.58 -505.13% | -0.34 +5.56% | -0.48 +30.43% | -0.5 +26.47% | -0.74 +53.16% | -0.62 -82.35% | -0.07 +85.42% | -0.03 +94.00% | -0.03 +95.95% | 0.06 +109.68% | 0.33 +571.43% | 0.19 +733.33% | 0.55 -- |
Basic EPS from Continuing Operations | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -0.34 -- | -0.48 -- | -- -- | -0.74 -- | -0.62 -82.35% | -0.07 +85.42% | -- -- | -0.03 +95.95% | 0.06 +109.68% | 0.33 +571.43% | -- -- | -- -- |
Diluted EPS | -- -- | 0 -- | -0.42 -- | 0.1 -- | -- -- | 0.11 -- | 0.39 +192.86% | 0.3 +200.00% | -- -- | 0.34 +209.09% | -0.36 -192.31% | -0.69 -330.00% | -- -- | -1.58 -564.71% | -0.34 +5.56% | -0.48 +30.43% | -0.5 -- | -0.74 +53.16% | -0.62 -82.35% | -0.07 +85.42% | -- -- | -0.03 +95.95% | 0.05 +108.06% | 0.23 +428.57% | -- -- | -- -- |
Diluted EPS from Continuing Operations | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -0.34 -- | -0.48 -- | -- -- | -0.74 -- | -0.62 -82.35% | -0.07 +85.42% | -- -- | -0.03 +95.95% | 0.05 +108.06% | 0.23 +428.57% | -- -- | -- -- |
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