Upstart Financial Statements From 2010 to 2024

UPST Stock  USD 25.40  0.77  2.94%   
Upstart HoldingsInc financial statements provide useful quarterly and yearly information to potential Upstart HoldingsInc investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Upstart HoldingsInc financial statements helps investors assess Upstart HoldingsInc's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Upstart HoldingsInc's valuation are summarized below:
Gross Profit
665.3 M
Profit Margin
(0.30)
Market Capitalization
2.2 B
Revenue
576.9 M
Earnings Share
(2.03)
There are currently one hundred twenty fundamental trend indicators for Upstart HoldingsInc that can be evaluated and compared over time across competition. All traders should double-check Upstart HoldingsInc's current fundamentals against the performance from 2010 to 2024 and make sure the trends continue to evolve in the right direction. Market Cap is likely to drop to about 2.5 B in 2024. Enterprise Value is likely to drop to about 3.1 B in 2024

Upstart HoldingsInc Total Revenue

433.53 Million

Check Upstart HoldingsInc financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Upstart main balance sheet or income statement drivers, such as Net Interest Income of 137.4 M, Interest Income of 164 M or Depreciation And Amortization of 26.1 M, as well as many exotic indicators such as Price To Sales Ratio of 6.28, Dividend Yield of 0.0 or PTB Ratio of 5.66. Upstart financial statements analysis is a perfect complement when working with Upstart HoldingsInc Valuation or Volatility modules.
  
This module can also supplement Upstart HoldingsInc's financial leverage analysis and stock options assessment as well as various Upstart HoldingsInc Technical models . Check out the analysis of Upstart HoldingsInc Correlation against competitors.
For more information on how to buy Upstart Stock please use our How to Invest in Upstart HoldingsInc guide.

Upstart HoldingsInc Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Common Stock Shares Outstanding68.5 M83.8 M40.1 M
Slightly volatile
Total Assets1.3 BB919.6 M
Slightly volatile
Short and Long Term Debt Total698.4 M1.2 B368.9 M
Slightly volatile
Total Current Liabilities120.7 M139.4 M306.5 M
Slightly volatile
Other Liabilities66.4 M119.1 M44.6 M
Slightly volatile
Property Plant And Equipment Net73.4 M97.3 M32.4 M
Slightly volatile
Accounts Payable11.2 M12.6 M6.4 M
Slightly volatile
Cash413 M467.8 M217.3 M
Slightly volatile
Non Current Assets Total1.6 B1.5 B246.7 M
Slightly volatile
Other Assets0.951.0488.5 M
Slightly volatile
Long Term Debt460.2 M653 M240.1 M
Slightly volatile
Cash And Short Term Investments420.6 M467.8 M220.6 M
Slightly volatile
Net Receivables34.6 M55.3 M20.7 M
Slightly volatile
Common Stock Total Equity5.7 K9.2 K3.3 K
Slightly volatile
Liabilities And Stockholders Equity1.3 BB919.6 M
Slightly volatile
Non Current Liabilities Total622.3 M1.2 B309.8 M
Slightly volatile
Other Current Assets1.3 B1.3 B282.4 M
Slightly volatile
Other Stockholder Equity506.8 M917.9 M222.9 M
Slightly volatile
Total Liabilities915.1 M1.4 B767.4 M
Slightly volatile
Net Invested Capital974.8 M1.7 B452.3 M
Slightly volatile
Property Plant And Equipment Gross80.3 M134.8 M35.3 M
Slightly volatile
Short and Long Term Debt406.8 M387.4 M116.5 M
Slightly volatile
Total Current Assets435.3 M467.8 M232.7 M
Slightly volatile
Capital Stock6.4 KK3.3 K
Slightly volatile
Short Term Debt14.2 M15 M65.5 M
Pretty Stable
Common Stock6.4 KK3.3 K
Slightly volatile
Property Plant Equipment45.8 M50.8 M21.1 M
Slightly volatile
Capital Lease Obligations66 M62.3 M34.6 M
Slightly volatile
Intangible Assets12.1 M11.4 M5.8 M
Slightly volatile
Short Term Investments33.3 M47.4 M14.8 M
Slightly volatile
Long Term Debt Total925 M1.1 B759.4 M
Slightly volatile
Capital Surpluse582.3 M643.4 M722 M
Slightly volatile
Long Term Investments44.9 M47.4 M40.9 M
Slightly volatile
Non Current Liabilities Other110.6 M115.9 M102.1 M
Slightly volatile

Upstart HoldingsInc Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Net Interest Income137.4 M130.9 M32 M
Slightly volatile
Interest Income164 M156.2 M45.5 M
Slightly volatile
Depreciation And Amortization26.1 M24.9 M5.1 M
Slightly volatile
Selling General Administrative161.4 M212.4 M91.2 M
Slightly volatile
Selling And Marketing Expenses172.3 M127.1 M100.4 M
Slightly volatile
Total Revenue433.5 M513.6 M239.6 M
Slightly volatile
Gross Profit367.7 M488.7 M202.5 M
Slightly volatile
Other Operating Expenses437.7 M770.1 M242.6 M
Slightly volatile
Research Development294.1 M280.1 M70.3 M
Slightly volatile
Cost Of Revenue23.7 M24.9 M34.3 M
Slightly volatile
Total Operating Expenses467 M745.2 M259.5 M
Slightly volatile
Reconciled Depreciation20.4 M19.5 M4.3 M
Slightly volatile

Upstart HoldingsInc Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation183.8 M175 M39 M
Slightly volatile
Begin Period Cash Flow370 M532.5 M202 M
Slightly volatile
Other Cashflows From Financing Activities60.5 M63.7 M463.5 M
Slightly volatile
Depreciation26.1 M24.9 M5.1 M
Slightly volatile
Capital Expenditures9.9 M12.1 M5.2 M
Slightly volatile
End Period Cash Flow436.6 M467.8 M248.6 M
Slightly volatile
Dividends Paid6.8 M8.4 M4.4 M
Slightly volatile
Cash Flows Other Operating349.8 M333.2 M68.6 M
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio6.286.66466.9431
Pretty Stable
Days Sales Outstanding37.9539.329233.1066
Very volatile
Stock Based Compensation To Revenue0.360.34080.0784
Slightly volatile
EV To Sales9.448.17636.0542
Slightly volatile
Payables Turnover1.881.97445.7209
Very volatile
Sales General And Administrative To Revenue0.430.41360.2378
Slightly volatile
Research And Ddevelopement To Revenue0.570.54550.1677
Slightly volatile
Cash Per Share4.496.07695.3494
Very volatile
Days Payables Outstanding19418585.8868
Slightly volatile
Intangibles To Total Assets0.02360.03890.0148
Slightly volatile
Current Ratio4.223.35532.4928
Slightly volatile
Receivables Turnover8.829.280617.2413
Pretty Stable
Graham Number23.2222.117711.3731
Slightly volatile
Revenue Per Share5.376.13095.732
Slightly volatile
Interest Debt Per Share7.613.870910.1433
Very volatile
Debt To Assets0.340.59330.3013
Slightly volatile
Days Of Payables Outstanding19418585.8868
Slightly volatile
Total Debt To Capitalization1.110.65321.5908
Slightly volatile
Quick Ratio4.374.0482.5784
Slightly volatile
Net Income Per E B T0.71.00040.8586
Very volatile
Cash Ratio4.043.35532.3786
Slightly volatile
Days Of Sales Outstanding37.9539.329233.1066
Very volatile
Free Cash Flow Operating Cash Flow Ratio0.731.07530.9072
Pretty Stable
Fixed Asset Turnover5.015.275552.9848
Slightly volatile
Debt Ratio0.340.59330.3013
Slightly volatile
Price Sales Ratio6.286.66466.9431
Pretty Stable
Asset Turnover0.310.25460.2811
Slightly volatile
Gross Profit Margin0.690.95150.8431
Pretty Stable

Upstart HoldingsInc Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap2.5 B3.4 B1.8 B
Slightly volatile
Enterprise Value3.1 B4.2 BB
Slightly volatile

Upstart Fundamental Market Drivers

Forward Price Earnings44.843
Cash And Short Term Investments467.8 M

Upstart Upcoming Events

13th of February 2024
Upcoming Quarterly Report
View
14th of May 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
13th of February 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

About Upstart HoldingsInc Financial Statements

There are typically three primary documents that fall into the category of financial statements. These documents include Upstart HoldingsInc income statement, its balance sheet, and the statement of cash flows. Upstart HoldingsInc investors use historical funamental indicators, such as Upstart HoldingsInc's revenue or net income, to determine how well the company is positioned to perform in the future. Although Upstart HoldingsInc investors may use each financial statement separately, they are all related. The changes in Upstart HoldingsInc's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Upstart HoldingsInc's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. We offer a historical overview of the basic patterns found on Upstart HoldingsInc Financial Statements. Understanding these patterns can help to make the right decision on long term investment in Upstart HoldingsInc. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Total Revenue513.6 M433.5 M
Cost Of Revenue24.9 M23.7 M
Stock Based Compensation To Revenue 0.34  0.36 
Sales General And Administrative To Revenue 0.41  0.43 
Research And Ddevelopement To Revenue 0.55  0.57 
Capex To Revenue(0.02)(0.02)
Revenue Per Share 6.13  5.37 
Ebit Per Revenue(0.50)(0.47)

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When determining whether Upstart HoldingsInc is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if Upstart Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Upstart Holdingsinc Stock. Highlighted below are key reports to facilitate an investment decision about Upstart Holdingsinc Stock:
Check out the analysis of Upstart HoldingsInc Correlation against competitors.
For more information on how to buy Upstart Stock please use our How to Invest in Upstart HoldingsInc guide.
You can also try the Efficient Frontier module to plot and analyze your portfolio and positions against risk-return landscape of the market..

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Is Upstart HoldingsInc's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Upstart HoldingsInc. If investors know Upstart will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Upstart HoldingsInc listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
2.091
Earnings Share
(2.03)
Revenue Per Share
6.783
Quarterly Revenue Growth
0.258
Return On Assets
(0.05)
The market value of Upstart HoldingsInc is measured differently than its book value, which is the value of Upstart that is recorded on the company's balance sheet. Investors also form their own opinion of Upstart HoldingsInc's value that differs from its market value or its book value, called intrinsic value, which is Upstart HoldingsInc's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Upstart HoldingsInc's market value can be influenced by many factors that don't directly affect Upstart HoldingsInc's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Upstart HoldingsInc's value and its price as these two are different measures arrived at by different means. Investors typically determine if Upstart HoldingsInc is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Upstart HoldingsInc's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.