Cash flow Upstart Holdings, Inc.

Equities

UPST

US91680M1071

Consumer Lending

Market Closed - Nasdaq Other stock markets 04:00:00 2025-07-14 pm EDT			After hours 07:52:37 pm
74.98 ^USD	-0.84%		75.50	+0.69%

Jul. 10	Upstart Holdings Insider Sold Shares Worth $400,210, According to a Recent SEC Filing	MT
Jul. 09	Upstart Holdings, Inc., Q1 2025 Earnings Call, May 06, 2025

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Published financial data: UPSTART HOLDINGS, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Revenues	229M	801M	907M	560M	635M
Interest And Invest. Income (Rev)	26.41M	20.63M	106M	169M	186M
Other Revenues, Total	-13.57M	29.95M	-160M	-181M	-145M
Total Revenues	241M	852M	853M	548M	677M
Cost of Goods Sold, Total	37.58M	118M	188M	150M	158M
Gross Profit	204M	734M	665M	398M	519M
Selling General & Admin Expenses, Total	145M	455M	531M	340M	398M
R&D Expenses	38.8M	134M	237M	280M	254M
Other Operating Expenses, Total	184M	589M	768M	620M	651M
Operating Income	19.79M	145M	-103M	-222M	-132M
Interest Expense, Total	-8.03M	-3.27M	-10.84M	-37.99M	-43.63M
Interest And Investment Income	249K	126K	9.47M	21.21M	18.79M
Net Interest Expenses	-7.78M	-3.15M	-1.37M	-16.79M	-24.84M
Other Non Operating Income (Expenses)	-11.36M	-1.98M	-4.68M	-1.61M	-4.49M
EBT, Excl. Unusual Items	650K	140M	-109M	-240M	-162M
Merger & Related Restructuring Charges	-	-1.24M	-	-	-
Other Unusual Items	5.3M	-5.3M	-	-	33.36M
EBT, Incl. Unusual Items	5.95M	134M	-109M	-240M	-128M
Income Tax Expense	371K	-1.71M	-409K	107K	185K
Earnings From Continuing Operations	5.58M	135M	-109M	-240M	-129M
Net Income to Company	5.58M	135M	-109M	-240M	-129M
Minority Interest	404K	-	-	-	-
Net Income - (IS)	5.98M	135M	-109M	-240M	-129M
Preferred Dividend and Other Adjustments	5.98M	-	-	-	-
Net Income to Common Incl Extra Items	0	135M	-109M	-240M	-129M
Net Income to Common Excl. Extra Items	0	135M	-109M	-240M	-129M
Per Share Items
Net EPS - Basic	-	1.73	-1.31	-2.87	-1.44
Basic EPS - Continuing Operations	-	1.73	-1.31	-2.87	-1.44
Basic Weighted Average Shares Outstanding	17.51M	78.11M	82.77M	83.77M	89.45M
Net EPS - Diluted	-	1.43	-1.31	-2.87	-1.44
Diluted EPS - Continuing Operations	-	1.43	-1.31	-2.87	-1.44
Diluted Weighted Average Shares Outstanding	17.51M	94.77M	82.77M	83.77M	89.45M
Normalized Basic EPS	0.05	1.12	-0.82	-1.79	-1.13
Normalized Diluted EPS	0.05	0.93	-0.82	-1.79	-1.13
American Depositary Receipts Ratio (ADR)	0.05	0.05	0.05	0.05	0.05
Supplemental Items
EBITDA	22.07M	151M	-89.51M	-197M	-112M
EBITA	19.79M	146M	-98.72M	-217M	-132M
EBIT	19.79M	145M	-103M	-222M	-132M
EBITDAR	28.69M	160M	-69.9M	-177M	-93.9M
Total Revenues (As Reported)	233M	849M	842M	514M	637M
Effective Tax Rate - (Ratio)	6.24	-1.28	0.37	-0.04	-0.14
Current Domestic Taxes	371K	229K	174K	107K	185K
Total Current Taxes	371K	229K	174K	107K	185K
Deferred Domestic Taxes	-	-1.94M	-583K	-	-
Total Deferred Taxes	-	-1.94M	-583K	-	-
Normalized Net Income	810K	87.67M	-68.17M	-150M	-101M
Supplemental Operating Expense Items
Selling and Marketing Expenses	99.66M	333M	346M	127M	167M
General and Administrative Expenses	38.99M	121M	185M	212M	231M
Research And Development Expense From Footnotes	38.8M	134M	237M	280M	254M
Net Rental Expense, Total	6.62M	9.41M	19.61M	19.83M	17.97M
Imputed Operating Lease Interest Expense	2.71M	561K	1.81M	5.17M	4.51M
Imputed Operating Lease Depreciation	3.91M	8.84M	17.81M	14.66M	13.47M
Stock-Based Comp., COGS (Total)	898K	6.25M	9.36M	10.68M	7.04M
Stock-Based Comp., R&D Exp. (Total)	4.84M	39.19M	72.17M	110M	70.79M
Stock-Based Comp., S&M Exp. (Total)	1.56M	6.06M	11.35M	8.17M	11.7M
Stock-Based Comp., G&A Exp. (Total)	4.21M	21.68M	33.07M	45.81M	43.87M
Stock-Based Comp., Other (Total)	787K	-	-	-	-
Total Stock-Based Compensation	12.3M	73.19M	126M	175M	133M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	251M	987M	422M	368M	788M
Short Term Investments	-	-	-	-	5.18M
Trading Asset Securities, Total	-	-	-	-	1.86M
Total Cash And Short Term Investments	251M	987M	422M	368M	795M
Accounts Receivable, Total	-	-	-	40.49M	48.23M
Notes Receivable	97.53M	261M	1.02B	1.17B	828M
Total Receivables	97.53M	261M	1.02B	1.21B	877M
Prepaid Expenses	-	-	-	-	28.83M
Restricted Cash	60.51M	205M	110M	99.38M	188M
Total Current Assets	409M	1.45B	1.55B	1.68B	1.89B
Gross Property Plant And Equipment	24.13M	111M	110M	79.79M	69.39M
Accumulated Depreciation	-1.79M	-3.69M	-6.78M	-13.74M	-17.92M
Net Property Plant And Equipment	22.34M	107M	103M	66.05M	51.47M
Long-term Investments	-	40M	41.25M	47.21M	97.52M
Goodwill	-	67.06M	67.06M	67.06M	67.06M
Other Intangibles, Total	6M	33.41M	43.03M	42.66M	40.43M
Accounts Receivable Long-Term	11.66M	55.52M	46.65M	-	-
Other Long-Term Assets, Total	28.39M	65.59M	85.89M	115M	222M
Total Assets	477M	1.82B	1.94B	2.02B	2.37B
Liabilities
Accounts Payable, Total	13.78M	6.56M	18.72M	12.61M	12.38M
Accrued Expenses, Total	34.34M	98.6M	54.15M	64.55M	108M
Short-term Borrowings	-	-	-	-	-
Current Portion of Leases	4.54M	11.2M	15.09M	14.97M	15.4M
Other Current Liabilities	-	-	-	-	-
Total Current Liabilities	52.65M	116M	87.96M	92.13M	136M
Long-Term Debt	62.63M	695M	986M	1.18B	1.49B
Long-Term Leases	14.89M	89.16M	85.7M	47.36M	34.88M
Other Non Current Liabilities	46.83M	112M	104M	60.47M	73.5M
Total Liabilities	177M	1.01B	1.26B	1.38B	1.73B
Preferred Stock Convertible	-	-	-	-	-
Total Preferred Equity	-	-	-	-	-
Common Stock, Total	7K	8K	8K	9K	9K
Additional Paid In Capital	369M	741M	715M	918M	1.04B
Retained Earnings	-69.22M	66.22M	-42.44M	-283M	-411M
Total Common Equity	300M	807M	672M	635M	633M
Minority Interest	-	-	-	-	-
Total Equity	300M	807M	672M	635M	633M
Total Liabilities And Equity	477M	1.82B	1.94B	2.02B	2.37B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	73.62M	84.06M	81.39M	86.43M	93.71M
ECS Total Common Shares Outstanding	73.31M	83.66M	81.26M	86.33M	93.47M
Book Value / Share	4.1	9.65	8.28	7.36	6.77
Tangible Book Value	294M	707M	562M	526M	526M
Tangible Book Value Per Share	4.01	8.45	6.92	6.09	5.62
Total Debt	82.06M	796M	1.09B	1.24B	1.54B
Net Debt	-169M	-191M	665M	876M	744M
Debt Equivalent Oper. Leases	52.97M	75.25M	157M	159M	144M
Minority Interest, Total (Incl. Fin. Div)	-	-	-	-	-
Account Code - Inventory Valuation	3	3	3	3	3
Machinery, Total	3.06M	7M	10.47M	10.82M	10.86M
Full Time Employees	554	1.5K	1.88K	1.39K	1.19K

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	5.98M	135M	-109M	-240M	-129M
Depreciation & Amortization - CF	2.28M	4.34M	9.21M	20.6M	20.55M
Amortization of Goodwill and Intangible Assets - (CF)	-	856K	4.3M	4.3M	-
Depreciation & Amortization, Total	2.28M	5.19M	13.51M	24.9M	20.55M
Amortization of Deferred Charges, Total - (CF)	-	2.35M	-	-	3.2M
(Gain) Loss From Sale Of Asset	-	-6.92M	-28.74M	-13.71M	-15.45M
(Gain) Loss on Sale of Investments - (CF)	-1.53M	-	-	-	-
Provision for Credit Losses	-	-	-	-	125M
Stock-Based Compensation (CF)	12.3M	73.19M	126M	175M	133M
Other Operating Activities, Total	28.72M	1.76M	172M	234M	-13.27M
Change In Accounts Payable	7.03M	-7.51M	11.88M	-6.13M	-
Change in Other Net Operating Assets	-39.08M	-35.14M	-861M	-334M	61.48M
Cash from Operations	15.7M	168M	-675M	-160M	186M
Capital Expenditure	-1.36M	-8.43M	-8.82M	-1.53M	-837K
Cash Acquisitions	-	-16.76M	-	-	-
Sale (Purchase) of Intangible assets	-4.25M	-6.69M	-14.09M	-10.56M	-9.15M
Investment in Marketable and Equity Securities, Total	-	-40M	-6.25M	-	-
Net (Increase) Decrease in Loans Originated / Sold - Investing	127M	-83.46M	-91.7M	-53.8M	-178M
Other Investing Activities, Total	14.66M	11.46M	6.74M	-52.56M	-49.91M
Cash from Investing	137M	-144M	-114M	-118M	-238M
Short Term Debt Issued, Total	-	-	-	-	-
Long-Term Debt Issued, Total	92.06M	718M	689M	792M	1.31B
Total Debt Issued	92.06M	718M	689M	792M	1.31B
Short Term Debt Repaid, Total	-	-	-	-	-
Long-Term Debt Repaid, Total	-174M	-71.32M	-401M	-599M	-738M
Total Debt Repaid	-174M	-71.32M	-401M	-599M	-738M
Issuance of Common Stock	162M	283M	20.02M	21.31M	29.1M
Repurchase of Common Stock	-	-236K	-178M	-15K	-22K
Issuance of Preferred Stock	6K	-	-	-	-
Repurchase of Preferred Stock	-	-	-	-	-
Other Financing Activities, Total	-622K	-74.25M	-	-	-44.25M
Cash from Financing	79.05M	855M	130M	214M	560M
Net Change in Cash	231M	880M	-659M	-64.68M	508M
Supplemental Items
Cash Interest Paid	8.03M	3.27M	12.47M	36.55M	43.12M
Cash Income Tax Paid (Refund)	-	2.3M	328K	-658K	258K
Levered Free Cash Flow	169M	-95.87M	-648M	-108M	316M
Unlevered Free Cash Flow	174M	-93.82M	-641M	-84.19M	340M
Change In Net Working Capital	-152M	250M	694M	134M	-279M
Net Debt Issued / Repaid	-82.18M	647M	288M	193M	575M

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	2.84	7.91	-3.43	-7.01	-3.78
Return on Total Capital	3.46	9.15	-3.83	-7.61	-4.08
Return On Equity %	2.78	24.46	-14.69	-36.72	-20.27
Return on Common Equity	0	24.46	-14.69	-36.72	-20.27
Margin Analysis
Gross Profit Margin %	84.43	86.2	77.97	72.57	76.66
SG&A Margin	60.17	53.4	62.24	61.91	58.75
EBITDA Margin %	9.14	17.68	-10.49	-35.87	-16.53
EBITA Margin %	8.2	17.17	-11.57	-39.63	-19.56
EBIT Margin %	8.2	17.07	-12.07	-40.41	-19.56
Income From Continuing Operations Margin %	2.31	15.9	-12.73	-43.78	-18.99
Net Income Margin %	2.48	15.9	-12.73	-43.78	-18.99
Net Avail. For Common Margin %	0	15.9	-12.73	-43.78	-18.99
Normalized Net Income Margin	0.34	10.29	-7.99	-27.35	-14.93
Levered Free Cash Flow Margin	69.89	-11.25	-75.96	-19.68	46.72
Unlevered Free Cash Flow Margin	71.96	-11.01	-75.17	-15.35	50.28
Asset Turnover
Asset Turnover	0.55	0.74	0.45	0.28	0.31
Fixed Assets Turnover	11.4	13.18	8.13	6.48	11.52
Receivables Turnover (Average Receivables)	-	-	-	12.86	14.32
Short Term Liquidity
Current Ratio	7.77	12.48	17.61	18.23	13.9
Quick Ratio	4.76	8.48	4.8	4.44	6.21
Operating Cash Flow to Current Liabilities	0.3	1.45	-7.67	-1.74	1.37
Days Sales Outstanding (Average Receivables)	-	-	-	28.38	25.55
Average Days Payable Outstanding	99.02	31.57	24.54	38.01	28.95
Long Term Solvency
Total Debt/Equity	27.33	98.6	161.68	195.84	243.17
Total Debt / Total Capital	21.46	49.65	61.79	66.2	70.86
LT Debt/Equity	25.82	97.21	159.43	193.48	240.73
Long-Term Debt / Total Capital	20.28	48.95	60.93	65.4	70.15
Total Liabilities / Total Assets	37.09	55.67	65.27	68.5	73.25
EBIT / Interest Expense	2.47	44.41	-9.5	-5.83	-3.03
EBITDA / Interest Expense	3.57	48.87	-6.45	-4.66	-2.15
(EBITDA - Capex) / Interest Expense	3.41	46.29	-7.26	-4.7	-2.17
Total Debt / EBITDA	2.86	4.97	-15.55	-7.03	-16.4
Net Debt / EBITDA	-5.88	-1.19	-9.51	-4.95	-7.93
Total Debt / (EBITDA - Capex)	3	5.25	-13.81	-6.97	-16.25
Net Debt / (EBITDA - Capex)	-6.17	-1.26	-8.44	-4.91	-7.86
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	26.63	252.82	0.17	-35.72	23.43
Gross Profit, 1 Yr. Growth %	23.01	260.19	-9.4	-40.17	30.38
EBITDA, 1 Yr. Growth %	-2.71	582.33	-158.53	119.79	-43.13
EBITA, 1 Yr. Growth %	-9.67	638.96	-166.39	120.15	-39.07
EBIT, 1 Yr. Growth %	-9.67	634.64	-170.86	115.13	-40.25
Earnings From Cont. Operations, 1 Yr. Growth %	-211.14	2.33K	-180.23	120.98	-46.45
Net Income, 1 Yr. Growth %	-1.38K	2.16K	-180.23	120.98	-46.45
Normalized Net Income, 1 Yr. Growth %	-44.61	10.72K	-177.82	120.06	-32.61
Diluted EPS Before Extra, 1 Yr. Growth %	-	-	-191.81	118.61	-49.83
Accounts Receivable, 1 Yr. Growth %	-	-	-	-13.21	19.12
Net Property, Plant and Equip., 1 Yr. Growth %	11.6	378.37	-3.53	-35.94	-22.08
Total Assets, 1 Yr. Growth %	21.3	281.44	6.35	4.19	17.34
Tangible Book Value, 1 Yr. Growth %	-553.3	140.14	-20.42	-6.54	0.03
Common Equity, 1 Yr. Growth %	-578.76	168.8	-16.68	-5.52	-0.33
Cash From Operations, 1 Yr. Growth %	-50.3	972.52	-500.75	-76.21	-266.8
Capital Expenditures, 1 Yr. Growth %	-66.16	521.92	4.72	-82.7	-45.19
Levered Free Cash Flow, 1 Yr. Growth %	-38.79	-156.82	576.1	-84.51	-357.53
Unlevered Free Cash Flow, 1 Yr. Growth %	-40.54	-154	583.62	-87.76	-433.13
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	38.54	111.37	87.99	-19.76	-10.93
Gross Profit, 2 Yr. CAGR %	35.9	110.49	80.65	-26.37	-11.68
EBITDA, 2 Yr. CAGR %	8.27	157.65	101.39	13.42	11.8
EBITA, 2 Yr. CAGR %	3.4	158.36	123.34	20.94	15.82
EBIT, 2 Yr. CAGR %	3.4	157.6	128.15	23.47	13.38
Earnings From Cont. Operations, 2 Yr. CAGR %	-29.48	419.43	341.33	33.15	8.78
Net Income, 2 Yr. CAGR %	-30.31	1.6K	326.17	33.15	8.78
Normalized Net Income, 2 Yr. CAGR %	-68.4	674.17	817.26	33.36	21.78
Diluted EPS Before Extra, 2 Yr. CAGR %	-	563.26	-	41.67	4.73
Accounts Receivable, 2 Yr. CAGR %	-	-	-	-	1.68
Net Property, Plant and Equip., 2 Yr. CAGR %	1.38K	131.05	114.82	-21.39	-29.35
Total Assets, 2 Yr. CAGR %	-14.04	115.1	101.41	5.26	10.57
Tangible Book Value, 2 Yr. CAGR %	107.91	229.93	38.24	-13.76	-3.31
Common Equity, 2 Yr. CAGR %	112.21	258.74	49.65	-11.28	-2.96
Cash From Operations, 2 Yr. CAGR %	-44.16	130.88	555.6	-2.36	-46.78
Capital Expenditures, 2 Yr. CAGR %	202.58	45.07	155.2	-57.43	-69.2
Levered Free Cash Flow, 2 Yr. CAGR %	-	-41.03	95.99	5.63	-32.48
Unlevered Free Cash Flow, 2 Yr. CAGR %	-	-43.33	92.13	-5.27	-29.67
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	53.54	89.19	64.79	31.45	-7.37
Gross Profit, 3 Yr. CAGR %	53.4	88.07	58.93	24.99	-10.92
EBITDA, 3 Yr. CAGR %	123.49	99.99	58.02	107.35	-9.9
EBITA, 3 Yr. CAGR %	119.01	99.16	65.17	122.27	-3.77
EBIT, 3 Yr. CAGR %	119.01	98.78	67.53	123.73	-3.07
Earnings From Cont. Operations, 3 Yr. CAGR %	-14.29	129.41	178.69	250.45	-1.72
Net Income, 3 Yr. CAGR %	-8.13	122.36	515.51	242.38	-1.72
Normalized Net Income, 3 Yr. CAGR %	-43.07	121.09	259.87	469.95	6.22
Diluted EPS Before Extra, 3 Yr. CAGR %	-	17.93	243.1	-	0.23
Net Property, Plant and Equip., 3 Yr. CAGR %	-	915.69	72.69	43.52	-21.62
Total Assets, 3 Yr. CAGR %	-	41.25	70.09	61.68	9.14
Tangible Book Value, 3 Yr. CAGR %	-	118.14	105.38	21.33	-9.39
Common Equity, 3 Yr. CAGR %	-	129.61	120.51	28.38	-7.77
Cash From Operations, 3 Yr. CAGR %	14.87	49.55	177.47	117.04	3.44
Capital Expenditures, 3 Yr. CAGR %	-	284.71	30.14	4.06	-53.69
Levered Free Cash Flow, 3 Yr. CAGR %	-	-	32.98	-13.84	48.42
Unlevered Free Cash Flow, 3 Yr. CAGR %	-	-	29.96	-21.46	53.65
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	-	-	66.49	34.24	28.84
Gross Profit, 5 Yr. CAGR %	-	-	63.77	29.24	25.65
EBITDA, 5 Yr. CAGR %	-	-	114.37	59.89	37.59
EBITA, 5 Yr. CAGR %	-	-	120.73	63.66	43.31
EBIT, 5 Yr. CAGR %	-	-	122.62	64.3	43.31
Earnings From Cont. Operations, 5 Yr. CAGR %	-	-	65.09	84.55	91.29
Net Income, 5 Yr. CAGR %	-	-	69.72	81.12	207.72
Normalized Net Income, 5 Yr. CAGR %	-	-	73.07	79.23	133.3
Diluted EPS Before Extra, 5 Yr. CAGR %	-	-	18.74	26.9	113.44
Net Property, Plant and Equip., 5 Yr. CAGR %	-	-	-	264.97	20.79
Total Assets, 5 Yr. CAGR %	-	-	-	25.58	43.17
Tangible Book Value, 5 Yr. CAGR %	-	-	-	50.5	51.94
Common Equity, 5 Yr. CAGR %	-	-	-	56.97	58.8
Cash From Operations, 5 Yr. CAGR %	-	-	130.55	26.1	42.62
Capital Expenditures, 5 Yr. CAGR %	-	-	-	59.48	-26.88
Levered Free Cash Flow, 5 Yr. CAGR %	-	-	-	-	2.79
Unlevered Free Cash Flow, 5 Yr. CAGR %	-	-	-	-	3.1