Upstart Holdings, Inc. (UPST) quarterly income statement — complete revenue, gross profit & net income history
Upstart Holdings, Inc. (UPST) annual income statement — 8-year revenue, gross profit & net income history
| Metric | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 |
|---|
| Net Interest Income | -12.88M | 44.52M | 45.69M | 32.89M | 48.41M | 37.85M | 33.55M | 26.34M | 30.03M | 41.41M | 40.46M | 38.01M | 28.28M | 29.63M | 38.18M | 34.77M | 19.13M | 26.66M | 14.18M | 8.14M |
| NII Growth % | -126.6% | 17.62% | 36.2% | 24.87% | 61.22% | -8.6% | -17.08% | -30.71% | 6.19% | 39.75% | 5.96% | 9.31% | 47.82% | 11.15% | 169.37% | 327.37% | 298.46% | 1201.81% | 496.84% | 209.47% |
| Net Interest Margin % | -0.39% | 1.4% | 1.54% | 1.11% | 1.67% | 1.53% | 1.46% | 1.11% | 1.66% | 2.28% | 2.1% | 1.88% | 1.41% | 1.68% | 2.1% | 1.8% | 1% | 1.39% | 0.71% | 0.45% |
| Interest Income | 0 | 57.05M | 56.06M | 60.84M | 57.2M | 45.62M | 40.57M | 41.46M | 40.84M | 52.88M | 51.17M | 52.07M | 37.69M | 33.92M | 45.31M | 39.29M | 22.18M | 28.97M | 15.13M | 8.61M |
| Interest Expense | 12.88M | 12.53M | 10.37M | 27.95M | 8.79M | 7.77M | 7.02M | 15.13M | 10.82M | 11.47M | 10.71M | 14.07M | 9.41M | 4.28M | 7.13M | 4.52M | 3.05M | 2.31M | 959K | 478K |
| Loan Loss Provision | -12.88M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Non-Interest Income | 383.4M | 320.19M | 262.52M | 243.33M | 228.7M | 219.44M | 179.82M | 184.93M | 132.11M | 86.22M | 87.34M | 96.86M | 106.28M | 106.13M | 64.74M | 107.46M | 138.1M | 201.5M | 295.96M | 295.54M |
| Non-Interest Income % | 103.48% | 87.79% | 85.18% | 88.09% | 82.53% | 85.29% | 84.28% | 87.53% | 81.48% | 67.55% | 68.34% | 71.82% | 78.98% | 78.17% | 62.9% | 75.55% | 87.83% | 88.31% | 95.43% | 97.32% |
| Total Net Revenue | 370.52M | 364.71M | 308.21M | 276.22M | 277.11M | 257.29M | 213.37M | 211.27M | 162.14M | 127.63M | 127.79M | 134.87M | 134.56M | 135.77M | 102.93M | 142.23M | 157.23M | 228.16M | 310.14M | 303.68M |
| Revenue Growth % | 33.71% | 41.75% | 44.45% | 30.74% | 70.9% | 101.59% | 66.96% | 56.65% | 20.5% | -5.99% | 24.16% | -5.17% | -14.42% | -40.5% | -66.81% | -53.16% | -31.17% | 17.64% | 155.58% | 291.02% |
| Non-Interest Expense | 334.52M | 347.56M | 314.78M | 257.06M | 245.18M | 251.63M | 215.79M | 213.91M | 168.85M | 182.09M | 192.38M | 177.2M | 174.86M | 163.91M | 232.16M | 197.96M | 213.44M | 258.01M | 277.43M | 244.41M |
| Efficiency Ratio | 90.28% | 95.3% | 102.13% | 93.06% | 88.48% | 97.8% | 101.13% | 101.25% | 104.14% | 142.67% | 150.54% | 131.39% | 129.95% | 120.73% | 225.56% | 139.18% | 135.75% | 113.08% | 89.45% | 80.48% |
| Operating Income | 48.88M | 17.15M | -6.56M | 19.16M | 31.93M | 5.66M | -2.42M | -2.64M | -6.71M | -54.45M | -64.58M | -42.34M | -40.3M | -28.15M | -129.24M | -55.73M | -56.21M | -29.85M | 32.71M | 59.27M |
| Operating Margin % | 13.19% | 4.7% | -2.13% | 6.94% | 11.52% | 2.2% | -1.13% | -1.25% | -4.14% | -42.67% | -50.54% | -31.39% | -29.95% | -20.73% | -125.56% | -39.18% | -35.75% | -13.08% | 10.55% | 19.52% |
| Operating Income Growth % | 53.08% | 203.27% | -171.38% | 824.74% | 575.63% | 110.39% | 96.26% | 93.75% | 83.34% | -93.47% | 50.03% | 24.03% | 28.3% | 5.7% | -495.09% | -194.03% | -301.87% | -182.23% | 216.87% | 4139.41% |
| Pretax Income | 37.24M | 17.15M | -6.56M | 19.16M | 31.93M | 5.66M | -2.42M | -2.64M | -6.71M | -54.45M | -64.58M | -42.34M | -40.3M | -28.15M | -129.24M | -55.73M | -56.21M | -29.85M | 32.71M | 59.27M |
| Pretax Margin % | 10.05% | 4.7% | -2.13% | 6.94% | 11.52% | 2.2% | -1.13% | -1.25% | -4.14% | -42.67% | -50.54% | -31.39% | -29.95% | -20.73% | -125.56% | -39.18% | -35.75% | -13.08% | 10.55% | 19.52% |
| Income Tax | 665K | 614K | 84K | 526K | 124K | 49K | 29K | 111K | 45K | 15K | 14K | 63K | 10K | 18K | 16K | -464K | 12K | 24K | 19K | 323K |
| Effective Tax Rate % | 1.79% | 3.58% | -1.28% | 2.75% | 0.39% | 0.87% | -1.2% | -4.2% | -0.67% | -0.03% | -0.02% | -0.15% | -0.02% | -0.06% | -0.01% | 0.83% | -0.02% | -0.08% | 0.06% | 0.54% |
| Net Income | 36.58M | 16.54M | -6.65M | 18.64M | 31.8M | 5.61M | -2.45M | -2.75M | -6.76M | -54.47M | -64.6M | -42.4M | -40.31M | -28.16M | -129.25M | -55.26M | -56.22M | -29.87M | 32.69M | 58.94M |
| Net Margin % | 9.87% | 4.53% | -2.16% | 6.75% | 11.48% | 2.18% | -1.15% | -1.3% | -4.17% | -42.68% | -50.55% | -31.44% | -29.96% | -20.75% | -125.58% | -38.85% | -35.76% | -13.09% | 10.54% | 19.41% |
| Net Income Growth % | 15.01% | 194.97% | -171.6% | 776.44% | 570.63% | 110.29% | 96.21% | 93.5% | 83.24% | -93.4% | 50.02% | 23.28% | 28.29% | 5.71% | -495.37% | -193.76% | -293.12% | -180.12% | 223.62% | 5639.44% |
| Net Income (Continuing) | 36.58M | 16.54M | -6.65M | 18.64M | 31.8M | 5.61M | -2.45M | -2.75M | -6.76M | -54.47M | -64.6M | -42.4M | -40.31M | -28.16M | -129.25M | -55.26M | -56.22M | -29.87M | 32.69M | 58.94M |
| EPS (Diluted) | 0.33 | 0.16 | -0.07 | 0.17 | 0.25 | 0.05 | -0.03 | -0.03 | -0.08 | -0.62 | -0.74 | -0.50 | -0.48 | -0.34 | -1.58 | -0.67 | -0.69 | -0.36 | 0.34 | 0.60 |
| EPS Growth % | 32% | 193.58% | -163.85% | 668.56% | 433.33% | 108.79% | 96.49% | 94.02% | 84.38% | -82.35% | 53.16% | 25.37% | 30.43% | 5.56% | -564.71% | -211.67% | -330% | -192.31% | 209.09% | 1418.99% |
| EPS (Basic) | 0.37 | 0.17 | -0.07 | 0.19 | 0.33 | 0.06 | -0.03 | -0.03 | -0.08 | -0.62 | -0.74 | -0.50 | -0.48 | -0.34 | -1.58 | -0.67 | -0.69 | -0.36 | 0.34 | 0.71 |
| Diluted Shares Outstanding | 125.41M | 109.72M | 96.9M | 112.22M | 109.72M | 102.85M | 94.28M | 92.17M | 90.12M | 88.44M | 87.03M | 85.57M | 84.4M | 83.13M | 81.91M | 82.23M | 81.67M | 83.83M | 95.46M | 98.8M |