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10-K

Annual Report

Upstart Holdings, Inc. UPST

0001647639-26-000027

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Filed
Feb 10, 2026 12:00 AM ET
Period of report
Restated figures. One or more values in this filing restate previously reported amounts.

On SEC.gov

Financials in this filing

Metric Period Value
Shares Outstanding FY 2025 · Feb 3, 2026 98.06M sh
Shares Diluted FY 2025 · Dec 31, 2025 107.49M sh
Shares Diluted FY 2025 · Dec 31, 2024 89.45M sh
Shares Diluted FY 2025 · Dec 31, 2023 83.77M sh
Capex FY 2025 · Dec 31, 2025 $347K
Capex FY 2025 · Dec 31, 2024 $837K
Capex FY 2025 · Dec 31, 2023 $1.53M
Operating Cash Flow FY 2025 · Dec 31, 2025 −$147.73M
Operating Cash Flow FY 2025 · Dec 31, 2024 $186.33M
Operating Cash Flow restated FY 2025 · Dec 31, 2023 −$111.71M
Cash And Equivalents FY 2025 · Dec 31, 2025 $652.39M
Cash And Equivalents FY 2025 · Dec 31, 2024 $788.42M
Stockholders Equity FY 2025 · Dec 31, 2025 $798.82M
Stockholders Equity FY 2025 · Dec 31, 2024 $633.22M
Stockholders Equity FY 2025 · Dec 31, 2023 $635.31M
Stockholders Equity FY 2025 · Dec 31, 2022 $672.44M
Total Liabilities FY 2025 · Dec 31, 2025 $2.18B
Total Liabilities FY 2025 · Dec 31, 2024 $1.73B
Total Assets FY 2025 · Dec 31, 2025 $2.97B
Total Assets FY 2025 · Dec 31, 2024 $2.37B
Eps Diluted FY 2025 · Dec 31, 2025 $0.45
Eps Diluted FY 2025 · Dec 31, 2024 −$1.44
Eps Diluted FY 2025 · Dec 31, 2023 −$2.87
Eps Basic FY 2025 · Dec 31, 2025 $0.56
Eps Basic FY 2025 · Dec 31, 2024 −$1.44
Eps Basic FY 2025 · Dec 31, 2023 −$2.87
Sga Expense FY 2025 · Dec 31, 2025 $253.74M
Sga Expense FY 2025 · Dec 31, 2024 $230.94M
Sga Expense FY 2025 · Dec 31, 2023 $212.39M
Rd Expense FY 2025 · Dec 31, 2025 $257.6M
Rd Expense FY 2025 · Dec 31, 2024 $253.65M
Rd Expense FY 2025 · Dec 31, 2023 $280.14M
Net Income FY 2025 · Dec 31, 2025 $53.6M
Net Income FY 2025 · Dec 31, 2024 −$128.58M
Net Income FY 2025 · Dec 31, 2023 −$240.13M
Operating Income FY 2025 · Dec 31, 2025 $42.63M
Operating Income FY 2025 · Dec 31, 2024 −$172.86M
Operating Income FY 2025 · Dec 31, 2023 −$256.53M