1. United States Stocks

  2. •

    Finance

  3. •

    Finance/Rental/Leasing
Upstart Holdings, Inc.

Upstart Holdings, Inc.

7,820.00
ARS
+145.00
(+1.89%)
178.54EPS
55.59P/E
4.99TMarket Cap
Nov 03Next Earn

Income Statement (USD)

Income Statement APIChatGPT
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
As of date
12/31/2017
12/31/2018
12/31/2019
12/31/2020
12/31/2021
12/31/2022
12/31/2023
12/31/2024
12/31/2025
Sales/Revenue/Turnover
56
96
163
222
847
838
508
629
1,024
+ Sales & Services Revenue
56
96
163
222
847
838
508
629
1,024
- Cost of Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cost of Goods & Services
- -
- -
- -
- -
- -
- -
- -
- -
- -
Gross Profit
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Operating Income
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Operating Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Selling, General & Admin
60
99
150
183
572
719
490
556
744
+ Research & Development
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Operating Expense
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Income (Loss)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Non-Operating (Income) Loss
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Interest Expense, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Interest Expense
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Interest Income
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Non-Op (Income) Loss
- -
- -
- -
- -
- -
- -
- -
- -
- -
Pretax Income
-9
-11
-5
6
134
-109
-240
-128
54
- Income Tax Expense (Benefit)
- -
- -
- -
- -
-2
- -
- -
- -
1
- (Income) Loss from Affiliates
- -
- -
- -
- -
- -
- -
- -
- -
- -
Income (Loss) from Cont Ops
-9
-11
-5
6
135
-109
-240
-129
54
- Net Extraordinary Losses (Gains)
-2
2
-9
-1
- -
- -
- -
- -
- -
+ Discontinued Operations
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Extraord. & Accounting Changes
-2
2
-9
-1
- -
- -
- -
- -
- -
Income (Loss) Incl. MI
-7
-13
4
6
135
-109
-240
-129
54
- Minority Interest
1
-1
5
- -
- -
- -
- -
- -
- -
Net Income, GAAP
-8
-12
- -
6
135
-109
-240
-129
54
- Preferred Dividends
- -
- -
- -
6
- -
- -
- -
- -
- -
- Other Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income Avail to Common, GAAP
-8
-12
- -
- -
135
-109
-240
-129
54
EBIT
- -
- -
- -
- -
- -
- -
- -
- -
- -
EBITDA
- -
- -
- -
- -
- -
- -
- -
- -
- -
EBITDA Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
EBITA
- -
- -
- -
- -
- -
- -
- -
- -
- -
Gross Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Profit Margin (%)
-13.87
-12.89
-0.29
2.69
16
-12.97
-47.26
-20.45
5.23
Sales per Employee
- -
- -
596,271
400,816
565,540
446,805
366,080
527,103
728,815
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
1
2
8
14
25
21
25
Basic Weighted Avg Shares
291
66
67
82
365
387
392
419
449
Basic EPS, GAAP
-0.03
-0.19
-0.01
- -
0.37
-0.28
-0.61
-0.31
0.12
Basic EPS from Cont Ops
-0.03
-0.17
-0.07
0.07
0.37
-0.28
-0.61
-0.31
0.12
Diluted Weighted Avg Shares
335
66
67
82
443
387
392
419
503
Diluted EPS, GAAP
-0.02
-0.19
-0.01
- -
0.31
-0.28
-0.61
-0.31
0.11
Diluted EPS from Cont Ops
-0.03
-0.17
-0.07
0.07
0.31
-0.28
-0.61
-0.31
0.11

Balance Sheet (USD)

Balance Sheet APIChatGPT
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
As of date
12/31/2017
12/31/2018
12/31/2019
12/31/2020
12/31/2021
12/31/2022
12/31/2023
12/31/2024
12/31/2025
Total Current Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash, Cash Equivalents & STI
- -
74
51
259
995
432
377
794
657
+ Cash & Cash Equivalents
- -
74
51
259
995
432
377
794
657
+ ST Investments
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Accounts & Notes Receiv
- -
11
42
31
64
53
55
127
257
+ Accounts Receivable, Net
- -
3
8
12
56
47
40
48
- -
+ Notes Receivable, Net
- -
8
34
19
8
6
15
22
97
+ Loans Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Receivable, Net
- -
- -
- -
- -
- -
- -
- -
56
159
+ Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Raw Materials
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Work In Process
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Finished Goods
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inventory Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Inventory
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other ST Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc ST Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Prepaid Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Assets Held-for-Sale
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Noncurrent Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Property, Plant & Equip, Net
- -
2
22
28
120
131
97
82
61
+ Property, Plant & Equip
- -
2
24
32
128
148
135
138
139
- Accumulated Depreciation
- -
1
1
4
8
17
37
55
78
+ LT Investments & Receivables
- -
- -
- -
- -
40
41
41
41
41
+ LT Investments
- -
- -
- -
- -
40
41
41
41
41
+ LT Receivables
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other LT Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Total Intangible Assets
- -
- -
- -
- -
87
83
78
76
75
+ Goodwill
- -
- -
- -
- -
67
67
67
67
67
+ Other Intangible Assets
- -
- -
- -
- -
20
16
11
9
8
+ LT Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Assets
- -
646
393
477
1,820
1,936
2,017
2,367
2,975
+ Payables & Accruals
- -
403
143
84
200
155
266
262
304
+ Accounts Payable
- -
3
7
14
7
19
13
12
32
+ Accrued Taxes
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Interest & Dividends Payable
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Payables & Accruals
- -
400
136
70
193
136
253
250
272
+ ST Debt
- -
49
85
40
48
336
387
196
97
+ ST Borrowings
- -
49
85
40
48
336
387
196
97
+ ST Finance Leases
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other ST Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc ST Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Current Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Debt
- -
79
51
42
748
751
715
1,257
1,753
+ LT Borrowings
- -
79
34
22
647
650
653
1,207
1,732
+ LT Finance Leases
- -
- -
17
19
100
101
62
50
21
+ Other LT Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Accrued Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Pension Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Noncurrent Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Liabilities
- -
701
455
177
1,013
1,264
1,382
1,734
2,176
+ Preferred Equity and Hybrid Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Share Capital & APIC
- -
8
12
369
741
715
918
1,044
1,156
+ Common Stock
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Additional Paid in Capital
- -
8
12
369
741
715
918
1,044
1,156
- Treasury Stock
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Retained Earnings
- -
-75
-75
-69
66
-42
-283
-411
-358
+ Other Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
Equity Before Minority Interest
- -
-67
-63
300
807
672
635
633
799
+ Minority/Non Controlling Interest
- -
12
1
- -
- -
- -
- -
- -
- -
Total Equity
- -
-55
-62
300
807
672
635
633
799
Total Liabilities & Equity
- -
646
393
477
1,820
1,936
2,017
2,367
2,975
Shares Outstanding
291
339
339
343
391
380
404
437
459
Number of Employees
- -
- -
273
554
1,497
1,875
1,388
1,193
1,405
Capital Leases - Total
- -
- -
17
19
100
101
62
50
21
Net Debt
- -
54
68
-196
-300
554
663
609
1,172
Net Debt to Equity
- -
-98.52
-109.89
-65.33
-37.12
82.38
104.38
96.11
146.68
Tangible Common Equity Ratio
- -
-10.32
-15.94
62.91
41.54
31.82
28.73
24.31
24.95
Current Ratio
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash Conversion Cycle
- -
- -
- -
- -
- -
- -
- -
- -
- -

Cash Flow Statement (USD)

Cash Flow Statement APIChatGPT
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
As of date
12/31/2017
12/31/2018
12/31/2019
12/31/2020
12/31/2021
12/31/2022
12/31/2023
12/31/2024
12/31/2025
+ Net Income
-9
-11
-5
6
135
-109
-240
-129
54
+ Depreciation & Amortization
- -
- -
1
2
8
14
25
21
25
+ Non-Cash Items
-2
47
36
-10
-30
-558
123
260
-253
+ Stock-Based Compensation
1
2
4
12
73
126
175
133
132
+ Deferred Income Taxes
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Asset Impairment Charge
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Non-Cash Adj
-3
45
32
-22
-103
-684
-52
126
-385
+ Chg in Non-Cash Work Cap
21
14
- -
18
55
-5
-20
35
27
+ (Inc) Dec in Accts Receiv
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ (Inc) Dec in Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ (Inc) Dec in Prepaid Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inc (Dec) in Accts Payable
24
17
11
31
114
-19
-4
44
40
+ Inc (Dec) in Other
-3
-3
-11
-13
-59
14
-16
-9
-13
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Operating Activities
10
50
32
16
168
-658
-112
186
-148
+ Change in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp of Fixed Prod Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Acq of Fixed & Intang
- -
- -
-4
-1
-8
-9
-2
-1
- -
+ Acq of Fixed Prod Assets
- -
- -
-4
-1
-8
-9
-2
-1
- -
+ Acq of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash (Repurchase) of Equity
- -
- -
- -
159
264
-178
- -
- -
- -
+ Increase in Capital Stock
- -
- -
- -
159
264
- -
- -
- -
- -
+ Decrease in Capital Stock
- -
- -
- -
- -
- -
-178
- -
- -
- -
+ Net Change in LT Investment
- -
1
9
- -
-40
-6
- -
12
- -
+ Dec in LT Investment
- -
1
9
- -
- -
- -
- -
12
- -
+ Inc in LT Investment
- -
- -
- -
- -
-40
-6
- -
- -
- -
+ Net Cash From Acq & Div
- -
- -
- -
- -
-17
- -
- -
12
- -
+ Cash from Divestitures
- -
- -
- -
- -
- -
- -
- -
12
- -
+ Cash for Acq of Subs
- -
- -
- -
- -
-17
- -
- -
- -
- -
+ Cash for JVs
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Investing Activities
-393
-138
41
138
-79
-99
-117
-261
-177
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Investing Activities
-393
-137
45
137
-144
-114
-118
-238
-177
+ Dividends Paid
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Net Cash From Debt
397
88
-116
-82
647
288
193
563
391
+ Cash From Debt
571
429
193
92
718
689
792
1,301
972
+ Repayments of Debt
-174
-341
-309
-174
-71
-401
-599
-738
-582
+ Other Financing Activities
16
48
-3
2
-56
3
-27
-3
15
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Financing Activities
413
136
-119
79
855
113
165
560
406
Effect of Foreign Exchange Rates
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Changes in Cash
30
49
-42
231
880
-659
-65
508
81
EBITDA
- -
- -
- -
- -
- -
- -
- -
- -
- -
EBITDA Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Free Cash Flow
10
50
28
14
160
-667
-113
185
-148
Net Cash Paid for Acquisitions
- -
- -
- -
- -
17
- -
- -
-12
- -
Free Cash Flow to Firm
- -
- -
- -
14
- -
- -
- -
- -
-148
Free Cash Flow to Equity
407
138
-88
-74
807
-379
80
748
243
Free Cash Flow per Basic Share
0.04
0.76
0.41
0.18
0.44
-1.72
-0.29
0.44
-0.33
Price/Free Cash Flow
- -
- -
- -
- -
- -
-2.89
-33.09
33.46
-32
Cash Flow to Net Income
-1.34
-4.09
-67.77
2.62
1.24
6.05
0.47
-1.45
-2.76
Capital Expenditures
- -
- -
-4
-1
-8
-9
-2
-1
- -