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Upstart Holdings, Inc. (UPST)

For the quarter ending 2025-06-30, UPST made $257,291K in revenue. $5,607K in net income. Net profit margin of 2.18%.

Overview

Revenue
$257,291K
Net Income
$5,607K
Net Profit Margin
2.18%
EPS
$0.05
Unit: Thousand (K) dollars
Revenue Breakdown
    • Platform And Referral Fees Net
    • Interest income
    • Servicing Fees Net
    • Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)
2025-06-30
2025-03-31
2024-09-30
2024-06-30
Total revenue257,291 213,371 162,140 127,630
Sales and marketing73,105 58,970 43,229 32,958
Engineering and product development68,825 57,838 64,887 58,453
General, administrative, and other64,573 60,558 59,874 53,021
Customer operations46,246 40,501 39,302 38,684
Total operating expenses252,749 217,867 207,292 183,116
Income (loss) from operations4,542 -4,496 -45,152 -55,486
Other income, net1,114 2,078 5,078 1,031
Gain on debt extinguishment- - 33,361 -
Net income (loss) before income taxes5,656 -2,418 -6,713 -54,455
Provision for income taxes49 29 45 15
Net income (loss)5,607 -2,447 -6,758 -54,470
Net income (loss) per share, basic (in dollars per share)0.06 -0.03 -0.07 -0.62
Net income (loss) per share, diluted (in dollars per share)0.05 -0.03 -0.07 -0.62
Weighted-average number of shares outstanding used in computing net income (loss) per share, basic (in shares)95,526,364 94,274,538 90,119,481 88,435,893
Weighted-average number of shares outstanding used in computing net income (loss) per share, diluted (in shares)102,852,284 94,274,538 90,119,481 88,435,893
Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement

DownloadDownload image
Platform And ReferralFees Net$202,845K (105.74%↑ Y/Y)Servicing Fees Net$37,932K (18.77%↑ Y/Y)Interest income$45,623K (-13.73%↓ Y/Y)Revenue from fees, net$240,777K (84.46%↑ Y/Y)Total interestincome, interest...$16,514K (669.06%↑ Y/Y)Fair value and otheradjustments$21,337K (-51.85%↓ Y/Y)Interest expense$7,772K (-32.24%↓ Y/Y)Total revenue$257,291K (101.59%↑ Y/Y)Income (loss) fromoperations$4,542K (108.19%↑ Y/Y)Other income, net$1,114K (8.05%↑ Y/Y)Total operatingexpenses$252,749K (38.03%↑ Y/Y)Net income (loss)before income taxes$5,656K (110.39%↑ Y/Y)Customer operations$46,246K (19.55%↑ Y/Y)General,administrative, and other$64,573K (21.79%↑ Y/Y)Engineering and productdevelopment$68,825K (17.74%↑ Y/Y)Sales and marketing$73,105K (121.81%↑ Y/Y)Net income (loss)$5,607K (110.29%↑ Y/Y)Provision for income taxes$49K (226.67%↑ Y/Y)