Upstart Holdings, Inc.

UPST

UPSTUpstart Holdings, Inc. US flag

NASDAQ Global Select

30.50

USD

-1.29

- -

2.92BMarket Cap

Income Statement (USD)

MCP API Chat

	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	-60	-99	-150	-183	-572	-719	-490	-556	-744
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	9	11	5	-6	-134	109	240	128	-54
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	9	11	5	-6	-134	109	240	128	-54
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	- -	- -	1	2	8	14	25	21	25
EBITDA Margin (%)	0.17	0.33	0.48	1.03	0.89	1.61	4.9	3.27	2.43
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	-13.87	-12.89	-0.29	2.69	16	-12.97	-47.26	-20.45	5.23
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -
Depreciation Expense	- -	- -	1	2	8	14	25	21	25
Basic Weighted Avg Shares	62	14	14	18	78	83	84	89	96
Basic EPS, GAAP	-0.12	-0.87	-0.03	- -	1.73	-1.31	-2.87	-1.44	0.56
Basic EPS from Cont Ops	-0.14	-0.79	-0.35	0.32	1.73	-1.31	-2.87	-1.44	0.56
Diluted Weighted Avg Shares	71	14	14	18	95	83	84	89	107
Diluted EPS, GAAP	-0.11	-0.87	-0.03	- -	1.43	-1.31	-2.87	-1.44	0.5
Diluted EPS from Cont Ops	-0.12	-0.79	-0.35	0.32	1.43	-1.31	-2.87	-1.44	0.5

Balance Sheet (USD)

MCP API Chat

	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	- -	-85	-93	-289	-1,059	-485	-433	-920	-914
+ 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	- -	-2	-22	-28	-160	-172	-139	-124	-102
+ 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	- -	-2	-22	-28	-247	-254	-217	-200	-177
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	- -	-452	-228	-125	-248	-491	-653	-458	-401
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	-452	-228	-125	-248	-491	-653	-458	-401
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	- -	-79	-51	-42	-748	-751	-715	-1,257	-1,753
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	- -	-79	-51	-42	-748	-751	-715	-1,257	-1,753
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	- -	72	72	73	84	81	86	93	98
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	- -	-8.46	-15.68	62.91	41.54	31.82	28.73	24.31	24.95
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

MCP API Chat

	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	- -	- -	1	2	8	14	25	21	25
EBITDA Margin (%)	0.17	0.33	0.48	1.03	0.89	1.61	4.9	3.27	2.43
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	- -	138	-88	-74	807	-379	80	748	243
Free Cash Flow per Basic Share	0.17	3.55	1.92	0.82	2.05	-8.05	-1.35	2.07	-1.54
Price/Free Cash Flow	- -	- -	- -	41.85	81.11	-1.69	-31.06	29.43	-31.9
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	- -