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10-Q

Quarterly Report

Upstart Holdings, Inc. UPST

0001647639-25-000134

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Filed
Nov 4, 2025 12:00 AM ET
Period of report

On SEC.gov

Financials in this filing

Metric Period Value
Shares Outstanding Q3 2025 · Oct 28, 2025 97.29M sh
Shares Diluted Q3 2025 · Sep 30, 2025 109.72M sh
Shares Diluted Q3 2025 · Sep 30, 2025 105.92M sh
Shares Diluted Q3 2025 · Sep 30, 2024 90.12M sh
Shares Diluted Q3 2025 · Sep 30, 2024 88.53M sh
Capex Q3 2025 · Sep 30, 2025 $190K
Capex Q3 2025 · Sep 30, 2024 $837K
Operating Cash Flow Q3 2025 · Sep 30, 2025 −$256.28M
Operating Cash Flow Q3 2025 · Sep 30, 2024 $297.26M
Cash And Equivalents Q3 2025 · Sep 30, 2025 $489.78M
Cash And Equivalents Q3 2025 · Dec 31, 2024 $788.42M
Stockholders Equity Q3 2025 · Sep 30, 2025 $743.72M
Stockholders Equity Q3 2025 · Jun 30, 2025 $722.01M
Stockholders Equity Q3 2025 · Dec 31, 2024 $633.22M
Stockholders Equity Q3 2025 · Sep 30, 2024 $595.54M
Stockholders Equity Q3 2025 · Jun 30, 2024 $594.71M
Stockholders Equity Q3 2025 · Dec 31, 2023 $635.31M
Total Liabilities Q3 2025 · Sep 30, 2025 $2.16B
Total Liabilities Q3 2025 · Dec 31, 2024 $1.73B
Total Assets Q3 2025 · Sep 30, 2025 $2.9B
Total Assets Q3 2025 · Dec 31, 2024 $2.37B
Eps Diluted Q3 2025 · Sep 30, 2025 $0.23
Eps Diluted Q3 2025 · Sep 30, 2025 $0.28
Eps Diluted Q3 2025 · Sep 30, 2024 −$0.07
Eps Diluted Q3 2025 · Sep 30, 2024 −$1.42
Eps Basic Q3 2025 · Sep 30, 2025 $0.33
Eps Basic Q3 2025 · Sep 30, 2025 $0.37
Eps Basic Q3 2025 · Sep 30, 2024 −$0.07
Eps Basic Q3 2025 · Sep 30, 2024 −$1.42
Sga Expense Q3 2025 · Sep 30, 2025 $60.78M
Sga Expense Q3 2025 · Sep 30, 2025 $185.91M
Sga Expense Q3 2025 · Sep 30, 2024 $59.87M
Sga Expense Q3 2025 · Sep 30, 2024 $170.51M
Rd Expense Q3 2025 · Sep 30, 2025 $64.03M
Rd Expense Q3 2025 · Sep 30, 2025 $190.69M
Rd Expense Q3 2025 · Sep 30, 2024 $64.89M
Rd Expense Q3 2025 · Sep 30, 2024 $186.43M
Net Income Q3 2025 · Sep 30, 2025 $31.81M
Net Income Q3 2025 · Sep 30, 2025 $34.97M
Net Income Q3 2025 · Sep 30, 2024 −$6.76M
Net Income Q3 2025 · Sep 30, 2024 −$125.83M
Operating Income Q3 2025 · Sep 30, 2025 $23.67M
Operating Income Q3 2025 · Sep 30, 2025 $23.71M
Operating Income Q3 2025 · Sep 30, 2024 −$45.15M
Operating Income Q3 2025 · Sep 30, 2024 −$168.11M