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UPST · NASDAQ · Financial - Credit Services

Upstart (UPST)

AI lending marketplace spanning personal, auto, and home-equity credit.

$25.90

After hours−0.07 (−0.27%)

At close$25.97(+1.52%)

In millions of USD, except per-share figures

In millions	Q3 FY23Sep 2023	Q4 FY23Dec 2023	Q1 FY24Mar 2024	Q2 FY24Jun 2024	Q3 FY24Sep 2024	Q4 FY24Dec 2024	Q1 FY25Mar 2025	Q2 FY25Jun 2025	Q3 FY25Sep 2025	Q4 FY25Dec 2025	Q1 FY26Mar 2026	Q2 FY26Jun 2026
Revenue	144	149	139	139	173	226	220	265	286	304	319	377
Cost of revenue	9	14	11	11	11	15	7	8	9	28	10	13
Gross profit	135	135	128	128	162	211	213	257	277	276	308	365
	175	177	192	182	169	214	216	252	245	257	315	348
	123	131	132	125	142	156	160	184	189	210	236	256
Selling & marketing	33	39	35	33	43	55	59	73	79	91	104	115
General & administrative	90	92	97	92	99	101	101	111	111	120	131	142
Other expenses	51	47	60	57	26	57	56	68	56	47	79	91
Operating income	−40	−42	−65	−54	−7	−3	−2	6	32	19	−7	17
	0	0	0	0	0	0	0	0	0	0	0	0
Interest income	38	52	51	53	41	41	41	46	57	61	56	57
Interest expense	9	14	11	11	11	15	7	8	9	28	10	13
Income before tax	−40	−42	−65	−54	−7	−3	−2	6	32	19	−7	17
Income tax expense	0	0	0	0	0	0	0	0	0	1	0	1
Net income from continuing operations	−40	−42	−65	−54	−7	−3	−2	6	32	19	−7	17
Net income	−40	−42	−65	−54	−7	−3	−2	6	32	19	−7	17
EPS, basic	−$0.48	−$0.50	−$0.74	−$0.62	−$0.08	−$0.03	−$0.03	$0.06	$0.33	$0.19	−$0.07	$0.17
EPS, diluted	−$0.48	−$0.50	−$0.74	−$0.62	−$0.08	−$0.03	−$0.03	$0.05	$0.25	$0.17	−$0.07	$0.16
Weighted average shares, basic	84	86	87	88	90	92	94	96	97	98	97	97
Weighted average shares, diluted	84	86	87	88	90	92	94	103	110	112	97	110
EBITDA	−35	−33	−59	−50	−1	2	4	11	38	26	−1	24
Depreciation & amortization	5	9	6	5	5	5	6	6	6	6	6	7
EBIT	−40	−42	−65	−54	−7	−3	−2	6	32	19	−7	17