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UPST Upstart

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23.314
-0.146-0.62%

Trading Apr 29 12:31 ET

2.05BMarket Cap-8123P/E (TTM)

Upstart Key Stats

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

Quarterly+Annual

YOY

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(FY)Dec 31, 2023

(Q4)Dec 31, 2023

(Q3)Sep 30, 2023

(Q2)Jun 30, 2023

(Q1)Mar 31, 2023

(FY)Dec 31, 2022

(Q4)Dec 31, 2022

(Q3)Sep 30, 2022

(Q2)Jun 30, 2022

(Q1)Mar 31, 2022

Total revenue

-39.35%508.12M

-5.17%134.87M

-14.42%134.56M

-40.50%135.77M

-66.81%102.93M

-1.05%837.76M

-53.04%142.23M

-31.17%157.23M

17.64%228.16M

155.58%310.14M

Net interest income

41.55%134.1M

9.31%38.01M

47.82%28.28M

11.15%29.63M

169.37%38.18M

445.72%94.74M

327.37%34.77M

298.46%19.13M

1,201.81%26.66M

496.84%14.18M

-Net interest income

60.06%169M

32.53%52.07M

69.94%37.69M

17.06%33.92M

199.43%45.32M

411.68%105.58M

356.14%39.29M

337.48%22.18M

717.32%28.97M

344.46%15.13M

-Total interest expense

221.81%34.89M

211.13%14.07M

208.66%9.41M

85.13%4.28M

643.69%7.13M

231.19%10.84M

845.82%4.52M

1,033.83%3.05M

54.51%2.31M

-6.89%959K

Non interest income

-49.66%374.02M

-9.86%96.86M

-23.04%106.28M

-47.33%106.13M

-78.12%64.74M

-10.40%743.02M

-63.54%107.46M

-38.25%138.1M

5.00%201.5M

148.77%295.96M

-Fees and commissions

-38.23%560.43M

-1.77%152.85M

-18.17%146.76M

-44.38%143.69M

-62.69%117.14M

13.23%907.27M

-45.86%155.6M

-14.77%179.35M

37.93%258.35M

170.28%313.98M

-Other non interest income

---737K

----

-Gain loss on sale of assets

-13.05%-185.68M

-14.77%-55.25M

1.86%-40.48M

33.93%-37.56M

-190.76%-52.4M

-687.06%-164.25M

-755.04%-48.14M

-411.80%-41.25M

-1,335.47%-56.84M

-743.61%-18.02M

Credit losses provision

Non interest expense

-21.10%754.55M

-8.57%187.81M

-17.15%178.4M

-35.02%169.11M

-20.37%219.23M

35.36%956.31M

-15.96%205.41M

7.74%215.32M

65.11%260.27M

160.28%275.3M

Selling and administrative expenses

-31.86%489.95M

-7.58%130.66M

-17.22%123.46M

-45.31%111.14M

-44.66%124.69M

25.61%719.06M

-28.57%141.38M

-8.37%149.14M

61.03%203.22M

159.63%225.31M

-General and administrative expense

-2.81%362.81M

1.39%91.89M

-2.54%90.42M

-10.99%87.25M

1.51%93.25M

56.17%373.28M

9.03%90.63M

33.65%92.78M

94.90%98.01M

145.58%91.86M

-Selling and marketing expense

-63.23%127.14M

-23.61%38.77M

-41.38%33.04M

-77.29%23.89M

-76.44%31.44M

3.70%345.78M

-55.80%50.75M

-39.62%56.36M

38.59%105.21M

170.27%133.45M

Other non-interest expense

11.53%264.6M

-10.74%57.15M

-16.98%54.94M

1.63%57.97M

89.10%94.54M

77.05%237.25M

37.71%64.03M

78.46%66.18M

81.49%57.05M

163.28%49.99M

Income from associates and other participating interests

Special income (charges)

-14.8M

737K

-15.54M

Less:Restructuring and mergern&acquisition

--15.54M

--0

--15.54M

--0

----

Less:Other special charges

---737K

----

Other non-operating income (expenses)

123.86%21.21M

32.42%9.87M

88.30%3.54M

129.96%5.2M

222.38%2.6M

283.09%9.47M

799.28%7.46M

349.34%1.88M

112,900.00%2.26M

59.59%-2.12M

Income before tax

-120.06%-240.03M

24.03%-42.34M

28.30%-40.31M

5.70%-28.15M

-495.09%-129.24M

-181.56%-109.07M

-194.03%-55.73M

-301.87%-56.21M

-182.23%-29.85M

216.87%32.71M

Income tax

126.16%107K

113.58%63K

-16.67%10K

-25.00%18K

-15.79%16K

76.11%-409K

-243.65%-464K

100.95%12K

102.43%24K

-91.40%19K

Earnings from equity interest net of tax

Net income

-120.98%-240.13M

23.28%-42.4M

28.29%-40.32M

5.71%-28.17M

-495.37%-129.25M

-180.23%-108.67M

-193.76%-55.26M

-293.12%-56.22M

-180.12%-29.87M

223.62%32.69M

Net Income continuous operations

-120.98%-240.13M

23.28%-42.4M

28.29%-40.32M

5.71%-28.17M

-495.37%-129.25M

-180.23%-108.67M

-193.76%-55.26M

-293.12%-56.22M

-180.12%-29.87M

223.62%32.69M

Minority interest income

Net income attributable to the parent company

-120.98%-240.13M

23.28%-42.4M

28.29%-40.32M

5.71%-28.17M

-495.37%-129.25M

-180.23%-108.67M

-193.76%-55.26M

-293.12%-56.22M

-180.12%-29.87M

223.62%32.69M

Preferred stock dividends

Other preferred stock dividend

Net income attributable to common stockholders

-120.98%-240.13M

23.28%-42.4M

28.29%-40.32M

5.71%-28.17M

-495.37%-129.25M

-180.23%-108.67M

-193.76%-55.26M

-293.12%-56.22M

-180.12%-29.87M

223.62%32.69M

Basic earnings per share

-119.08%-2.87

25.37%-0.5

30.43%-0.48

5.56%-0.34

-505.13%-1.58

-175.72%-1.31

-194.37%-0.67

-286.49%-0.69

-173.47%-0.36

178.57%0.39

Diluted earnings per share

-119.08%-2.87

25.37%-0.5

30.43%-0.48

5.56%-0.34

-564.71%-1.58

-191.61%-1.31

-209.84%-0.67

-330.00%-0.69

-192.31%-0.36

209.09%0.34

Dividend per share

Currency Unit

USD

Accounting Standards

US-GAAP

Audit Opinions

Unqualified Opinion

	(FY)Dec 31, 2023	(Q4)Dec 31, 2023	(Q3)Sep 30, 2023	(Q2)Jun 30, 2023	(Q1)Mar 31, 2023	(FY)Dec 31, 2022	(Q4)Dec 31, 2022	(Q3)Sep 30, 2022	(Q2)Jun 30, 2022	(Q1)Mar 31, 2022
Total revenue	-39.35%508.12M	-5.17%134.87M	-14.42%134.56M	-40.50%135.77M	-66.81%102.93M	-1.05%837.76M	-53.04%142.23M	-31.17%157.23M	17.64%228.16M	155.58%310.14M
Net interest income	41.55%134.1M	9.31%38.01M	47.82%28.28M	11.15%29.63M	169.37%38.18M	445.72%94.74M	327.37%34.77M	298.46%19.13M	1,201.81%26.66M	496.84%14.18M
-Net interest income	60.06%169M	32.53%52.07M	69.94%37.69M	17.06%33.92M	199.43%45.32M	411.68%105.58M	356.14%39.29M	337.48%22.18M	717.32%28.97M	344.46%15.13M
-Total interest expense	221.81%34.89M	211.13%14.07M	208.66%9.41M	85.13%4.28M	643.69%7.13M	231.19%10.84M	845.82%4.52M	1,033.83%3.05M	54.51%2.31M	-6.89%959K
Non interest income	-49.66%374.02M	-9.86%96.86M	-23.04%106.28M	-47.33%106.13M	-78.12%64.74M	-10.40%743.02M	-63.54%107.46M	-38.25%138.1M	5.00%201.5M	148.77%295.96M
-Fees and commissions	-38.23%560.43M	-1.77%152.85M	-18.17%146.76M	-44.38%143.69M	-62.69%117.14M	13.23%907.27M	-45.86%155.6M	-14.77%179.35M	37.93%258.35M	170.28%313.98M
-Other non interest income	---737K	----	----	----	----	----	----	----	----	----
-Gain loss on sale of assets	-13.05%-185.68M	-14.77%-55.25M	1.86%-40.48M	33.93%-37.56M	-190.76%-52.4M	-687.06%-164.25M	-755.04%-48.14M	-411.80%-41.25M	-1,335.47%-56.84M	-743.61%-18.02M
Credit losses provision
Non interest expense	-21.10%754.55M	-8.57%187.81M	-17.15%178.4M	-35.02%169.11M	-20.37%219.23M	35.36%956.31M	-15.96%205.41M	7.74%215.32M	65.11%260.27M	160.28%275.3M
Selling and administrative expenses	-31.86%489.95M	-7.58%130.66M	-17.22%123.46M	-45.31%111.14M	-44.66%124.69M	25.61%719.06M	-28.57%141.38M	-8.37%149.14M	61.03%203.22M	159.63%225.31M
-General and administrative expense	-2.81%362.81M	1.39%91.89M	-2.54%90.42M	-10.99%87.25M	1.51%93.25M	56.17%373.28M	9.03%90.63M	33.65%92.78M	94.90%98.01M	145.58%91.86M
-Selling and marketing expense	-63.23%127.14M	-23.61%38.77M	-41.38%33.04M	-77.29%23.89M	-76.44%31.44M	3.70%345.78M	-55.80%50.75M	-39.62%56.36M	38.59%105.21M	170.27%133.45M
Other non-interest expense	11.53%264.6M	-10.74%57.15M	-16.98%54.94M	1.63%57.97M	89.10%94.54M	77.05%237.25M	37.71%64.03M	78.46%66.18M	81.49%57.05M	163.28%49.99M
Income from associates and other participating interests
Special income (charges)	-14.8M	737K	0	0	-15.54M	0	0	0	0
Less:Restructuring and mergern&acquisition	--15.54M	--0	--0	--0	--15.54M	--0	--0	--0	--0	----
Less:Other special charges	---737K	----	----	----	----	----	----	----	----	----
Other non-operating income (expenses)	123.86%21.21M	32.42%9.87M	88.30%3.54M	129.96%5.2M	222.38%2.6M	283.09%9.47M	799.28%7.46M	349.34%1.88M	112,900.00%2.26M	59.59%-2.12M
Income before tax	-120.06%-240.03M	24.03%-42.34M	28.30%-40.31M	5.70%-28.15M	-495.09%-129.24M	-181.56%-109.07M	-194.03%-55.73M	-301.87%-56.21M	-182.23%-29.85M	216.87%32.71M
Income tax	126.16%107K	113.58%63K	-16.67%10K	-25.00%18K	-15.79%16K	76.11%-409K	-243.65%-464K	100.95%12K	102.43%24K	-91.40%19K
Earnings from equity interest net of tax
Net income	-120.98%-240.13M	23.28%-42.4M	28.29%-40.32M	5.71%-28.17M	-495.37%-129.25M	-180.23%-108.67M	-193.76%-55.26M	-293.12%-56.22M	-180.12%-29.87M	223.62%32.69M
Net Income continuous operations	-120.98%-240.13M	23.28%-42.4M	28.29%-40.32M	5.71%-28.17M	-495.37%-129.25M	-180.23%-108.67M	-193.76%-55.26M	-293.12%-56.22M	-180.12%-29.87M	223.62%32.69M
Minority interest income
Net income attributable to the parent company	-120.98%-240.13M	23.28%-42.4M	28.29%-40.32M	5.71%-28.17M	-495.37%-129.25M	-180.23%-108.67M	-193.76%-55.26M	-293.12%-56.22M	-180.12%-29.87M	223.62%32.69M
Preferred stock dividends
Other preferred stock dividend
Net income attributable to common stockholders	-120.98%-240.13M	23.28%-42.4M	28.29%-40.32M	5.71%-28.17M	-495.37%-129.25M	-180.23%-108.67M	-193.76%-55.26M	-293.12%-56.22M	-180.12%-29.87M	223.62%32.69M
Basic earnings per share	-119.08%-2.87	25.37%-0.5	30.43%-0.48	5.56%-0.34	-505.13%-1.58	-175.72%-1.31	-194.37%-0.67	-286.49%-0.69	-173.47%-0.36	178.57%0.39
Diluted earnings per share	-119.08%-2.87	25.37%-0.5	30.43%-0.48	5.56%-0.34	-564.71%-1.58	-191.61%-1.31	-209.84%-0.67	-330.00%-0.69	-192.31%-0.36	209.09%0.34
Dividend per share
Currency Unit	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD
Accounting Standards	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP
Audit Opinions	Unqualified Opinion	--	--	--	--	Unqualified Opinion	--	--	--	--

Analysis

Analyst Rating

No Data

Price Target

No Data

Heat List

Overall