Upstart Holdings Inc (UPST)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 12-2025 | 12-2024 | 12-2023 | 12-2022 | 12-2021 | |
| Sales | 1,043,857 | 636,528 | 513,562 | 842,444 | 848,589 |
| Cost of Goods | 188,377 | 157,996 | 150,418 | 187,994 | 117,579 |
| Gross Profit | 855,480 | 478,532 | 363,144 | 654,450 | 731,010 |
| Operating Expenses | 813,226 | 652,384 | 620,087 | 769,307 | 590,708 |
| Operating Income | 42,631 | -172,856 | -256,525 | -113,863 | 140,881 |
| Other Income | 11,698 | 44,460 | 16,500 | 4,789 | -7,150 |
| Pre-tax Income | 54,329 | -128,396 | -240,025 | -109,074 | 133,731 |
| Income Tax | 728 | 185 | 107 | -409 | -1,712 |
| Net Income Continuous | 53,601 | -128,581 | -240,132 | -108,665 | 135,443 |
| Net Income | $53,601 | $-128,581 | $-240,132 | $-108,665 | $135,443 |
| EPS Basic Total Ops | 0.56 | -1.44 | -2.87 | -1.31 | 1.73 |
| EPS Basic Continuous Ops | 0.56 | -1.44 | -2.87 | -1.31 | 1.73 |
| EPS Diluted Total Ops | 0.45 | -1.44 | -2.87 | -1.31 | 1.43 |
| EPS Diluted Continuous Ops | 0.50 | -1.44 | -2.87 | -1.31 | 1.43 |
| EPS Diluted Before Non-Recurring Items | N/A | -1.76 | -2.69 | -1.31 | 1.44 |
| EBITDA(a) | $67,466 | $-152,307 | $-231,622 | $-100,350 | $148,422 |