UPSTNasdaqFinance ServicesFiscal year ends December 31

Upstart Holdings, Inc.

Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q/A on Aug 5, 2026

$23.25−0.31 (-1.32%)

Close on Oct 19, 2026

Market cap: $2.55B
P/E (TTM): 47.4
Dividend yield: –

Upstart Holdings, Inc. income statement

Annual Quarterly TTM

Millions of USD, except per-share data. Shares in millions.

Line item	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31	FY 2020 2020-12-31	FY 2019 2019-12-31
Revenue	1,044	637	514	842	849	233	164
Research & Development	258	254	280	237	134	39	19
Selling, General & Admin	555	398	340	531	456	145	125
Selling & Marketing	302	167	127	346	333	100	93
General & Administrative	254	231	212	185	123	46	32
Operating Expenses	1,001	809	770	956	708	222	169
Operating Income	43	-173	-257	-114	141	12	-4.58
Interest Expense	–	–	35	11	3.27	8.03	26
Other Non-Operating Income	24	19	21	9.47	-5.17	5.55	1.04
Asset Impairment Charges	–	–	–	0	0	0	–
Income Tax Expense	0.73	0.19	0.11	-0.41	-1.71	0.37	0.07
Net Income incl. Noncontrolling Interests	–	–	–	-109	135	5.58	-5.02
Minority Interest in Earnings	–	–	–	0	0	-0.40	-4.55
Net Income	54	-129	-240	-109	135	5.98	-0.47
Preferred Dividends	–	–	–	0	0	5.98	0
Net Income to Common	54	-129	-240	-109	135	0	-0.47
EPS (Basic)(per share)	0.56	-1.44	-2.87	-1.31	1.73	0.00	-0.03
EPS (Diluted)(per share)	0.45	-1.44	-2.87	-1.31	1.43	0.00	-0.03
Shares Outstanding (Basic, Weighted)(shares)	96	89	84	83	78	18	14
Shares Outstanding (Diluted, Weighted)(shares)	107	89	84	83	95	18	14
EBITDA	67	-152	-232	-100	148	14	-3.80
Total Interest Income	–	–	–	106	21	26	63
Net Interest Income	94	1.06	-47	-65	47	–	–

Italic numbers are calculated by StockData (for example Q4 = full year − nine months). Per-share data and share counts are adjusted for stock splits. Hover a number for its source; click it to open the filing on SEC.gov. Click a row to chart it.

Ratios

Latest available, balances at Jun 30, 2026

Profitability, TTM

Gross margin: –
Operating margin: 4.0%
Net margin: 4.8%
Return on equity, FY2025: 7.5%

Financial strength

Current ratio: –
Debt to equity: –
Debt to assets: –
Cash to current liabilities: –

Valuation

P/E ratio: 47.4
Price to sales: 2.05
Price to book: 3.20
Dividend yield: –