Stocktoria
Upstart Holdings, Inc. UPST
Upstart Holdings, Inc. financials (annual)
Bars are annual figures from 2020 to 2025; red bars are negative (a loss or cash outflow).
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue | $1.0B | $636.5M | $513.6M | $907.3M | $848.6M | $233.4M |
| R&D expense | $257.6M | $253.7M | $280.1M | $237.2M | $134.0M | $38.8M |
| Operating income | $42.6M | -$172.9M | -$256.5M | -$113.9M | $140.9M | $11.8M |
| Interest expense | — | — | $34.9M | $10.8M | $3.3M | $8.0M |
| Income tax | $728,000 | $185,000 | $107,000 | -$409,000 | -$1.7M | $371,000 |
| Net income | $53.6M | -$128.6M | -$240.1M | -$108.7M | $135.4M | $6.0M |
| EPS (diluted) | $0.45 | $-1.44 | $-2.87 | $-1.31 | $1.43 | $0.00 |
| Operating cash flow | -$147.7M | $186.3M | -$111.7M | -$657.9M | $168.4M | $15.7M |
| Free cash flow | -$148.1M | $185.5M | -$113.2M | -$666.7M | $159.9M | $14.3M |
| Cash & equivalents | $652.4M | $788.4M | $368.4M | — | — | — |
| Total assets | $3.0B | $2.4B | $2.0B | $1.9B | $1.8B | $477.3M |
| Total liabilities | $2.2B | $1.7B | $1.4B | $1.3B | $1.0B | $177.0M |
| Shareholders' equity | $798.8M | $633.2M | $635.3M | $672.4M | $807.1M | $300.3M |
Growth · year-over-year · Revenue CAGR 34.9%
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue growth | +64.0% | +23.9% | -43.4% | +6.9% | +263.6% | — |
| Net income growth | — | — | — | -180.2% | +2163.8% | — |
| EPS growth | — | — | — | -191.6% | — | — |
| Free cash flow growth | -179.8% | — | — | -516.9% | +1015.1% | — |
Each column is the change versus the prior fiscal year. Growth off a negative or zero base is shown as “—”. CAGR is the compound annual revenue growth across the years shown.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.