MyFinsight
Home
Blog
About
Income Statement
|
Cash Flow
|
Balance Sheet
|
Ratios
Cash Flow Overview
Free Cash flow
-$138,690K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Proceeds from sale of loans held...
Proceeds from borrowings
Change in fair value of loans
Others
Negative Cash Flow Breakdown
Purchases and originations of lo...
Repayments of borrowings
Purchases and originations of lo...
Others
Subscribe for Financial Insights
Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
16,539
-6,646
18,636
31,805
Change in fair value of loans
-136,343
62,225
30,224
62,384
Change in fair value of servicing assets
-6,952
-5,583
-5,851
-4,155
Change in fair value of servicing liabilities
-1,224
-342
67
-386
Change in fair value of beneficial interest assets
-927
10,213
16,979
-7,279
Change in fair value of beneficial interest liabilities
7,480
-2,921
-2,234
6,706
Change in fair value of other financial instruments
333
894
1,392
3,145
Stock-based compensation
44,466
34,811
32,453
34,155
Gain on loan servicing rights, net
13,370
7,474
7,627
7,925
Gain on debt extinguishment
-
-
0
7,246
Depreciation and amortization
7,126
5,858
6,461
6,131
Loan premium amortization
-11,163
-11,963
-15,589
-14,384
Non-cash interest expense and other
4,504
3,713
3,388
2,216
Purchases and originations of loans held-for-sale
3,590,431
2,459,444
2,662,651
2,440,455
Proceeds from sale of loans held-for-sale
3,160,836
2,371,308
2,684,771
2,270,958
Principal payments received for loans held-for-sale
53,969
41,658
49,115
55,407
Principal payments received for loans held by consolidated securitization
7,111
8,031
8,113
9,839
Settlements of beneficial interest liabilities, net
557
-1,081
5,882
4,052
Proceeds from beneficial interest assets (derivatives)
7,382
3,154
506
3,290
Settlements of beneficial interest assets (derivatives)
1,623
1,500
2,916
636
Other assets
9,457
-4,374
14,656
239
Operating lease liability and right-of-use asset
-374
-796
-1,166
-308
Payable to investors for beneficial interest assets
-
-
0
-
Accrued expenses and other liabilities
38,265
-48,450
60,507
-13,410
Net cash used in operating activities
-136,632
-133,297
108,552
-122,629
Purchases and originations of loans held-for-investment
178,850
438,365
366,978
288,109
Proceeds from sale of loans held-for-investment
122,658
313,068
344,536
30,948
Principal payments received for loans held-for-investment
81,576
76,443
98,368
92,055
Principal payments received for notes receivable and repayments of residual certificates
15,311
11,743
10,156
6,374
Acquisition and settlements of beneficial interest assets (hybrid instruments)
1,463
1,734
1,830
1,608
Proceeds from beneficial interest assets (hybrid instruments)
61,821
45,344
48,673
49,300
Issuance of line of credit receivable
721
-
0
7,862
Repayments of line of credit receivable
0
1,369
2,732
783
Purchases of property and equipment
2,058
2,750
157
75
Capitalized software costs
4,192
4,242
3,762
3,888
Net cash provided by (used in) investing activities
94,082
876
131,738
-120,506
Proceeds from borrowings
301,026
123,524
81,370
36,492
Proceeds from convertible notes issuance, net of debt issuance costs paid to lender
-
-
0
678,270
Payment of debt issuance costs to third parties
0
0
6
2,701
Repayments of borrowings
221,207
32,626
109,603
54,803
Payments for repurchases of convertible notes
-
-
0
224,154
Purchase of capped calls
-
-
0
55,200
Settlement of capped calls
-
-
0
564
Principal payments made on securitization notes
6,934
7,215
8,569
10,002
Payable to investors
-19,685
-17,864
-14,259
-1,731
Proceeds from issuance of common stock under employee stock purchase plan
-
-
-
3,757
Proceeds from issuance of securitization notes
-
-
0
-
Proceeds from exercise of stock options
-
-
-
4,628
Net proceeds related to stock-based award activities
923
5,253
25,300
-
Taxes paid related to net share settlement of equity awards
-
-
-
2
Repurchases of stock
0
100,057
-
-
Net cash provided by financing activities
93,493
6,743
-20,183
378,580
Change in cash, cash equivalents and restricted cash
50,943
-125,678
220,107
135,445
Cash, cash equivalents and restricted cash at beginning of period
931,334
1,057,012
839,528
839,528
Cash, cash equivalents and restricted cash at end of period
982,277
931,334
1,057,012
836,905
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
Buy us a coffee
Time Plot
Show the time plot by selecting a row from the table.
Cash Flow
Proceeds from sale of
loans...
$122,658K
(559.45%↑ Y/Y)
Proceeds from borrowings
$301,026K
(145.33%↑ Y/Y)
Principal payments
received for loans...
$81,576K
(12.48%↑ Y/Y)
Proceeds from beneficial
interest assets (hybrid...
$61,821K
(116.50%↑ Y/Y)
Principal payments
received for notes...
$15,311K
(299.14%↑ Y/Y)
Payable to investors
-$19,685K
(-130.10%↓ Y/Y)
Net proceeds
related to stock-based...
$923K
Net cash provided by
(used in) investing...
$94,082K
(185.66%↑ Y/Y)
Net cash provided by
financing activities
$93,493K
(1.70%↑ Y/Y)
Canceled cashflow
$187,284K
Canceled cashflow
$228,141K
Change in cash, cash
equivalents and restricted...
$50,943K
(136.90%↑ Y/Y)
Canceled cashflow
$136,632K
Purchases and
originations of loans...
$178,850K
(-21.57%↓ Y/Y)
Capitalized software costs
$4,192K
(-1.39%↓ Y/Y)
Purchases of property and
equipment
$2,058K
(1689.57%↑ Y/Y)
Acquisition and settlements
of beneficial...
$1,463K
Issuance of line of credit
receivable
$721K
Proceeds from sale of
loans held-for-sale
$3,160,836K
(31.32%↑ Y/Y)
Change in fair value of
loans
-$136,343K
(-584.76%↓ Y/Y)
Principal payments
received for loans...
$53,969K
(20.24%↑ Y/Y)
Stock-based compensation
$44,466K
(25.22%↑ Y/Y)
Accrued expenses and
other liabilities
$38,265K
(-7.32%↓ Y/Y)
Net income
$16,539K
(194.97%↑ Y/Y)
Change in fair value of
beneficial interest...
$7,480K
(-38.55%↓ Y/Y)
Proceeds from beneficial
interest assets...
$7,382K
(9742.67%↑ Y/Y)
Depreciation and
amortization
$7,126K
(21.96%↑ Y/Y)
Principal payments
received for loans held by...
$7,111K
(-26.33%↓ Y/Y)
Change in fair value of
servicing assets
-$6,952K
(-52.79%↓ Y/Y)
Non-cash interest
expense and other
$4,504K
(168.41%↑ Y/Y)
Change in fair value of
beneficial interest assets
-$927K
(-115.75%↓ Y/Y)
Repayments of borrowings
$221,207K
(627.51%↑ Y/Y)
Principal payments made on
securitization notes
$6,934K
(-34.44%↓ Y/Y)
Net cash used in
operating activities
-$136,632K
(-13.71%↓ Y/Y)
Canceled cashflow
$3,491,900K
Purchases and
originations of loans...
$3,590,431K
(36.80%↑ Y/Y)
Gain on loan
servicing rights, net
$13,370K
(78.12%↑ Y/Y)
Loan premium
amortization
-$11,163K
(-3.13%↓ Y/Y)
Other assets
$9,457K
(298.53%↑ Y/Y)
Settlements of beneficial
interest assets...
$1,623K
(201.67%↑ Y/Y)
Change in fair value of
servicing liabilities
-$1,224K
(-262.13%↓ Y/Y)
Settlements of beneficial
interest liabilities,...
$557K
(-90.18%↓ Y/Y)
Operating lease liability
and right-of-use...
-$374K
(-23.03%↓ Y/Y)
Change in fair value of
other financial...
$333K
(-85.84%↓ Y/Y)
Buy us a coffee
Upstart_logo,_August_2013-svg
Upstart Holdings, Inc. (UPST)
Upstart_logo,_August_2013-svg
Upstart Holdings, Inc. (UPST)