Upstart Holdings, Inc.
Description
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small dollar loans that connects consumer demand for loans to its to bank and credit unions. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.
About
CEO
Mr. David J. Girouard
Employees
1,388
Instrument type
Common Stock
Sector
Financial Services
Industry
Credit Services
MIC code
XNGS
Address
2950 South Delaware Street, San Mateo, CA 94403, United States
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Oscillators
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Summary
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Moving Averages
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Earnings
| Date | Estimate EPS | Actual EPS | Difference | % Surprise |
|---|---|---|---|---|
| Nov 6, 2025 | — | — | — | — |
| Aug 5, 2025 | — | — | — | — |
| May 5, 2025 | — | — | — | — |
| Feb 11, 2025 | -0.04 | — | — | — |
Earnings estimate
|
Next Quarter
(Mar 2025)
|
Next Year
(Dec 2025)
|
|||
|---|---|---|---|---|
| Number of analysts | — | 12 | — | 15 |
| Average estimate | — | -0.01 | — | 0.58 |
| Low estimate | — | -0.32 | — | -0.05 |
| High estimate | — | 0.12 | — | 1.25 |
| Last year EPS | — | -0.31 | — | -0.47 |
[stock_revenue_estimate]
Growth estimates
Current qtr
64.410%
Next qtr. (Mar 2025)
96.210%
Current year
16.750%
Next year (Dec 2025)
224.860%
Next 5 years (per annum)
—
Past 5 years (per annum)
—
Income statement
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total reported revenue | 508.12M | 837.76M | 846.61M | 222.05M | 162.78M |
| Cost of revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating expense | |||||
| Research & development | — | — | — | — | — |
| Selling general and admin | 489.95M | 719.06M | 572.47M | 182.85M | 149.99M |
| Other operating expenses | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Non operating interest income | |||||
| Income | — | — | — | — | — |
| Expense | — | — | — | — | — |
| Other income expense | — | — | — | — | — |
| Pretax income | -240.03M | -109.07M | 133.73M | 5.95M | -4.95M |
| Tax provision | 107,000 | -409,000 | -1.71M | 371,000 | 74,000 |
| Net income | -240.13M | -108.67M | 135.44M | 5.58M | -5.02M |
| Basic EPS | -2.87 | -1.31 | 1.73 | 0.34 | -0.03 |
| Diluted EPS | -2.87 | -1.31 | 1.43 | 0.34 | -0.03 |
| Basic average shares | 83.77M | 82.77M | 78.11M | 17.51M | 14.34M |
| Diluted average shares | 83.77M | 82.77M | 78.11M | 17.51M | 14.34M |
| EBITDA | — | — | — | — | — |
| Net income from continuing op. | -240.13M | -108.67M | 135.44M | 5.58M | -5.02M |
| Minority interests | — | — | — | 404,000 | 4.55M |
| Preferred stock dividends | — | — | — | — | -4.30M |
Balance sheet
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | — | — | — | — | — |
| Current assets | |||||
| Cash | 368.41M | 422.41M | 986.61M | 250.82M | 44.39M |
| Cash equivalents | — | — | — | — | — |
| Cash and cash equivalents | 377.32M | 432.41M | 994.99M | 258.77M | 50.82M |
| Other short term investments | — | — | — | — | — |
| Accounts receivable | 40.49M | 46.65M | 55.52M | 11.66M | 8.32M |
| Other receivables | — | — | 55.52M | 11.66M | 8.32M |
| Inventory | — | — | — | — | — |
| Prepaid assets | 17.98M | 16.74M | 30.01M | 6.01M | 5.22M |
| Restricted cash | — | — | — | — | — |
| Assets held for sale | — | — | — | — | — |
| Hedging assets | — | — | — | — | — |
| Other current assets | — | — | — | — | — |
| Non current assets | |||||
| Properties | 54.69M | 86.34M | 96.12M | 18.31M | 16.19M |
| Land and improvements | — | — | — | — | — |
| Machinery furniture equipment | 65.82M | 48.25M | 24.73M | 10.96M | 5.47M |
| Construction in progress | — | — | — | — | — |
| Leases | 14.28M | 13.07M | 7.45M | 2.76M | 1.97M |
| Accumulated depreciation | -37.45M | -17.16M | -7.92M | -3.69M | -1.41M |
| Goodwill | 145.48M | 149.76M | 154.03M | — | — |
| Investment properties | — | — | — | — | — |
| Financial assets | — | — | — | — | — |
| Intangible assets | 11.36M | 15.63M | 19.91M | — | — |
| Investments and advances | 41.25M | 41.25M | 40.00M | — | — |
| Other non current assets | — | — | — | — | — |
| Total liabilities | — | — | — | — | — |
| Current liabilities | |||||
| Accounts payable | 12.61M | 18.72M | 6.56M | 13.78M | 6.56M |
| Accrued expenses | 58.26M | 45.33M | 85.50M | 24.81M | 20.75M |
| Short term debt | 387.43M | 336.45M | 48.03M | 40.49M | 84.60M |
| Deferred revenue | — | — | — | — | — |
| Tax payable | — | — | — | — | — |
| Pensions | — | — | — | — | — |
| Other current liabilities | — | — | — | — | — |
| Non current liabilities | |||||
| Long term debt | 715.32M | 750.73M | 747.77M | 41.56M | 51.07M |
| Provision for risks and charges | — | — | — | — | — |
| Deferred liabilities | — | — | — | — | — |
| Derivative product liabilities | — | — | — | — | 6.80M |
| Other non current liabilities | — | — | — | — | — |
| Shareholders equity | |||||
| Common stock | 9,000 | 8,000 | 8,000 | 7,000 | 2,000 |
| Retained earnings | -282.58M | -42.44M | 66.22M | -69.22M | -75.21M |
| Other shareholders equity | — | — | — | — | — |
| Total shareholders equity | 635.31M | 672.44M | 807.08M | 300.25M | -61.69M |
| Additional paid in capital | 917.87M | 714.87M | 740.85M | 369.47M | 12.49M |
| Treasury stock | — | — | — | — | — |
| Minority interest | — | — | — | — | 1.03M |
Cash flow statement
| 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||
| Net Income | -240.13M | -108.67M | 135.44M | 5.58M | -5.02M | -11.22M | -8.86M |
| Depreciation | 24.90M | 13.51M | 7.54M | 2.28M | 774,000 | 314,000 | 93,000 |
| Deferred Taxes | — | — | — | — | — | — | — |
| Stock-Based Compensation | 175.04M | 125.95M | 73.19M | 11.51M | 3.81M | 2.05M | 1.29M |
| Other Non-Cash Items | -292.43M | -852.49M | -102.83M | -50.98M | 930,000 | 2.98M | 1.97M |
| Accounts Receivable | — | — | — | — | — | — | — |
| Accounts Payable | -6.13M | 11.88M | -7.51M | 7.03M | 3.61M | 1.12M | 946,000 |
| Other Assets & Liabilities | -13.58M | -16.92M | 660,000 | -8.23M | 11.30M | -1.29M | -3.41M |
| Operating Cash Flow | -352.33M | -826.74M | 106.48M | -32.80M | 15.40M | -6.04M | -7.97M |
| Investing Activities | |||||||
| Capital Expenditures | -1.53M | -8.83M | -8.43M | -1.36M | -4.00M | -148,000 | — |
| Net Intangibles | — | — | — | — | — | — | — |
| Net Acquisitions | — | — | -16.76M | — | — | — | — |
| Purchase of Investments | -56.89M | -6.25M | -40.00M | — | — | — | — |
| Sale of Investments | — | — | — | — | 8.76M | 1.23M | — |
| Investing Cash Flow | -54.09M | -8.34M | -53.73M | 13.31M | 13.03M | 2.31M | — |
| Financing Activities | |||||||
| Long-Term Debt Issuance | 792.23M | 688.81M | 718.42M | 92.06M | 193.35M | 429.04M | 571.05M |
| Long-Term Debt Payments | -599.26M | -400.90M | -71.32M | -174.24M | -309.32M | -341.20M | -174.04M |
| Other Financing Charges | -15,000 | -16,000 | -74.49M | -622,000 | -4.96M | -2.32M | 14.45M |
| Financing Cash Flow | 192.96M | 110.02M | 836.55M | 76.68M | -119.67M | 135.44M | 412.57M |
| Other Cash Details | |||||||
| End Cash Position | 467.79M | 532.47M | 1.19B | 311.33M | 80.07M | 122.24M | 73.38M |
| Income Tax Paid | — | 328,000 | 2.30M | — | — | — | — |
| Interest Paid | 36.55M | 12.47M | 3.27M | 8.03M | 26.87M | 26.68M | 9.60M |
| Free Cash Flow | -172.58M | -697.59M | 153.24M | 10.09M | 26.30M | 49.29M | 9.58M |
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