Upstart Holdings, Inc. (UPST) quarterly income statement — complete revenue, gross profit & net income history
| Net Interest Income | 0 | 32.89M | 48.41M | 37.85M | 33.55M | 26.34M | 30.03M | 41.41M | 40.46M | 38.01M | 28.28M | 29.63M |
| NII Growth % | -100% | 24.87% | 61.22% | -8.6% | -17.08% | -30.71% | 6.19% | 39.75% | 5.96% | 9.31% | 47.82% | 11.15% |
| Net Interest Margin % | 0% | 1.11% | 1.67% | 1.53% | 1.46% | 1.11% | 1.66% | 2.28% | 2.1% | 1.88% | 1.41% | 1.68% |
| Interest Income | 0 | 60.84M | 57.2M | 45.62M | 40.57M | 41.46M | 40.84M | 52.88M | 51.17M | 52.07M | 37.69M | 33.92M |
| Interest Expense | -10.37M | 27.95M | 8.79M | 7.77M | 7.02M | 15.13M | 10.82M | 11.47M | 10.71M | 14.07M | 9.41M | 4.28M |
| Loan Loss Provision | 10.37M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Non-Interest Income | 308.21M | 243.33M | 228.7M | 219.44M | 179.82M | 184.93M | 132.11M | 86.22M | 87.34M | 96.86M | 106.28M | 106.13M |
| Non-Interest Income % | 100% | 80% | 79.99% | 82.79% | 81.59% | 81.69% | 76.38% | 61.98% | 63.06% | 65.04% | 73.82% | 75.78% |
| Total Revenue | 308.21M | 304.17M | 285.9M | 265.06M | 220.39M | 226.4M | 172.96M | 139.1M | 138.51M | 148.94M | 143.97M | 140.05M |
| Revenue Growth % | 39.85% | 34.35% | 65.3% | 90.56% | 59.12% | 52.01% | 20.13% | -0.68% | 25.85% | 1.49% | -10.18% | -39.24% |
| Non-Interest Expense | 315.73M | 257.06M | 245.18M | 251.63M | 215.79M | 213.91M | 168.85M | 182.09M | 192.38M | 177.2M | 174.86M | 163.91M |
| Efficiency Ratio | 102.44% | 84.51% | 85.76% | 94.93% | 97.91% | 94.49% | 97.63% | 130.9% | 138.89% | 118.98% | 121.46% | 117.04% |
| Operating Income | -7.52M | 19.16M | 31.93M | 5.66M | -2.42M | -2.64M | -6.71M | -54.45M | -64.58M | -42.34M | -40.3M | -28.15M |
| Operating Margin % | -2.44% | 6.3% | 11.17% | 2.13% | -1.1% | -1.17% | -3.88% | -39.15% | -46.63% | -28.43% | -28% | -20.1% |
| Operating Income Growth % | -210.92% | 824.74% | 575.63% | 110.39% | 96.26% | 93.75% | 83.34% | -93.47% | 50.03% | 24.03% | 28.3% | 5.7% |
| Pretax Income | -6.56M | 19.16M | 31.93M | 5.66M | -2.42M | -2.64M | -6.71M | -54.45M | -64.58M | -42.34M | -40.3M | -28.15M |
| Pretax Margin % | -2.13% | 6.3% | 11.17% | 2.13% | -1.1% | -1.17% | -3.88% | -39.15% | -46.63% | -28.43% | -28% | -20.1% |
| Income Tax | 84K | 526K | 124K | 49K | 29K | 111K | 45K | 15K | 14K | 63K | 10K | 18K |
| Effective Tax Rate % | -1.28% | 2.75% | 0.39% | 0.87% | -1.2% | -4.2% | -0.67% | -0.03% | -0.02% | -0.15% | -0.02% | -0.06% |
| Net Income | -6.65M | 18.64M | 31.8M | 5.61M | -2.45M | -2.75M | -6.76M | -54.47M | -64.6M | -42.4M | -40.31M | -28.16M |
| Net Margin % | -2.16% | 6.13% | 11.12% | 2.12% | -1.11% | -1.22% | -3.91% | -39.16% | -46.64% | -28.47% | -28% | -20.11% |
| Net Income Growth % | -171.6% | 776.44% | 570.63% | 110.29% | 96.21% | 93.5% | 83.24% | -93.4% | 50.02% | 23.28% | 28.29% | 5.71% |
| Net Income (Continuing) | -6.65M | 18.64M | 31.8M | 5.61M | -2.45M | -2.75M | -6.76M | -54.47M | -64.6M | -42.4M | -40.31M | -28.16M |
| EPS (Diluted) | -0.07 | 0.17 | 0.25 | 0.05 | -0.03 | -0.03 | -0.08 | -0.62 | -0.74 | -0.50 | -0.48 | -0.34 |
| EPS Growth % | -169.23% | 668.56% | 433.33% | 108.79% | 96.49% | 94.02% | 84.38% | -82.35% | 53.16% | 25.37% | 30.43% | 5.56% |
| EPS (Basic) | -0.07 | 0.19 | 0.33 | 0.06 | -0.03 | -0.03 | -0.08 | -0.62 | -0.74 | -0.50 | -0.48 | -0.34 |
| Diluted Shares Outstanding | 96.9M | 112.22M | 109.72M | 102.85M | 94.28M | 92.17M | 90.12M | 88.44M | 87.03M | 85.57M | 84.4M | 83.13M |