Upstart Holdings, Inc.

	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17
Total revenue	1.08	0.68	0.55	0.84	0.85	0.23	0.16	0.10	0.06
Cost of revenue	0.05	0.05	0.04	0.19	0.12	0.04	0.02	0.02	0.01
Gross profit	1.02	0.63	0.51	0.65	0.73	0.20	0.14	0.08	0.05
Total operating expenses +	0.97	0.76	0.75	0.96	0.71	0.22	0.17	0.11	0.06
Selling, general and administrative	0.44	0.39	0.36	0.37	0.24	0.08	0.06	0.04	0.03
Research and development	0.26	0.25	0.28	0.24	0.13	0.04	0.02	0.01	0.01
Other operating expenses	0.27	0.11	0.11	0.35	0.33	0.10	0.09	0.06	0.03
Operating income	0.05	-0.13	-0.24	-0.11	0.14	0.01	0.00	-0.01	-0.01
Non-operating income (net)	0.00	0.00	0.00	0.00	-0.01	-0.01	0.00	0.00	0.00
Income before tax	0.05	-0.13	-0.24	-0.11	0.13	0.01	0.00	-0.01	-0.01
Income tax expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net income	0.05	-0.13	-0.24	-0.11	0.14	0.01	-0.01	-0.01	-0.01

Show Quarterly Income Statement

	Mar-26	Dec-25	Sep-25	Jun-25	Mar-25	Dec-24	Sep-24	Jun-24	Mar-24	Dec-23	Sep-23	Jun-23	Mar-23	Dec-22	Sep-22	Jun-22	Mar-22	Dec-21	Sep-21	Jun-21	Mar-21	Dec-20	Sep-20	Jun-20	Mar-20	Dec-19	Sep-19
Total revenue	0.31	0.30	0.29	0.27	0.22	0.23	0.17	0.14	0.14	0.15	0.13	0.14	0.10	0.15	0.16	0.23	0.31	0.30	0.23	0.19	0.12	0.09	0.07	0.02	0.06	0.07	0.05
Cost of revenue	0.01	0.03	0.01	0.01	0.01	0.02	0.01	0.01	0.01	0.01	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.04	0.03	0.02	0.02	0.01	0.01	0.01	0.01	0.00	0.01
Gross profit	0.30	0.28	0.28	0.26	0.21	0.21	0.16	0.13	0.13	0.13	0.10	0.10	0.06	0.10	0.11	0.18	0.26	0.26	0.19	0.17	0.10	0.07	0.06	0.01	0.06	0.06	0.04
Total operating expenses +	0.31	0.26	0.25	0.25	0.22	0.21	0.17	0.18	0.19	0.18	0.18	0.17	0.23	0.21	0.22	0.26	0.28	0.24	0.20	0.16	0.11	0.08	0.05	0.03	0.06	0.06	0.04
Selling, general and administrative	0.08	0.12	0.11	0.11	0.10	0.10	0.10	0.09	0.10	0.09	0.09	0.09	0.09	0.09	0.09	0.10	0.09	0.08	0.07	0.05	0.04	0.03	0.02	0.02	0.02	0.02	0.01
Research and development	0.08	0.07	0.06	0.07	0.06	0.07	0.06	0.06	0.06	0.06	0.05	0.06	0.11	0.11	0.04	0.06	0.05	0.04	0.04	0.03	0.02	0.01	0.01	0.01	0.01	0.01	0.01
Other operating expenses	0.15	0.07	0.07	0.07	0.06	0.05	0.00	0.03	0.03	0.03	0.03	0.02	0.03	0.00	0.09	0.11	0.13	0.12	0.09	0.08	0.05	0.03	0.02	0.01	0.04	0.03	0.03
Operating income	-0.01	0.02	0.03	0.01	0.00	0.00	-0.01	-0.05	-0.06	-0.04	-0.04	-0.03	-0.13	-0.06	-0.06	-0.03	0.03	0.06	0.03	0.04	0.02	0.01	0.01	-0.01	0.00	0.00	0.00
Non-operating income (net)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-0.01	-0.01	0.00	0.01	0.00	0.00	0.00
Income before tax	-0.01	0.02	0.03	0.01	0.00	0.00	-0.01	-0.05	-0.06	-0.04	-0.04	-0.03	-0.13	-0.06	-0.06	-0.03	0.03	0.06	0.03	0.04	0.01	0.00	0.01	-0.01	0.00	0.00	0.00
Income tax expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net income	-0.01	0.02	0.03	0.01	0.00	0.00	-0.01	-0.05	-0.06	-0.04	-0.04	-0.03	-0.13	-0.06	-0.06	-0.03	0.03	0.06	0.03	0.04	0.01	0.00	0.01	-0.01	0.00	0.01	0.00

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	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17
Total cash and short-term investments +	0.70	0.80	0.42	0.47	1.00	0.26	0.05	0.07	0.00
Cash and cash equivalents	0.66	0.79	0.38	0.43	0.99	0.26	0.05	0.07
Short-term investments	0.04	0.01	0.04	0.04	0.01
Accounts receivable, net	0.10	0.07	0.06	0.05	0.06	0.03	0.04	0.01
Inventories			-0.06	-1.18	-0.01	-0.02	-0.03
Other current assets	0.44	0.22	0.02	0.02	0.03	0.01	0.01	0.56
Total current assets	1.20	1.08	0.45	0.50	1.09	0.30	0.10	0.63
Total non-current assets +	1.78	1.29	1.57	1.43	0.73	0.18	0.29	0.01
Property, plant and equipment, net				0.04	0.12	0.02	0.02	0.00
Goodwill	0.07	0.07	0.07	0.07	0.07	0.00
Intangible assets	0.01	0.01	0.01	0.02	0.02	0.01	0.00	0.00
Long-term investments	0.04	0.04	0.04	0.04	0.04
Other non-current assets
Total assets	2.97	2.37	2.02	1.94	1.82	0.48	0.39	0.65

Total current liabilities +	0.40	0.46	0.46	0.40	0.14	0.08	0.11	0.07
Accounts payable	0.03	0.01	0.01	0.02	0.01	0.01	0.01	0.00
Short-term debt	0.10	0.20	0.39	0.34	0.05	0.04	0.08	0.05
Current portion of long-term debt	0.10	0.20	0.39	0.34	0.05	0.04	0.08	0.05
Deferred revenue
Other current liabilities	0.27	0.25	0.06	0.05	0.09	0.02	0.02	0.34
Total non-current liabilities +	1.77	1.28	0.92	0.86	0.87	0.10	0.34	0.47
Long-term debt	1.73	1.21	0.65	0.99	0.70	0.06	0.03	0.08
Capital lease obligations	0.02	0.05	0.06	0.10	0.10	0.02	0.02
Other non-current liabilities				0.10	0.10
Total liabilities	2.18	1.73	1.38	1.26	1.01	0.18	0.46	0.54

Total stockholders' equity +	0.80	0.63	0.64	0.67	0.81	0.30	-0.06	0.09
Common stock and paid-in capital	1.16	1.04	0.92	0.71	0.74	0.37	0.01	0.17	0.00
Retained earnings	-0.36	-0.41	-0.28	-0.04	0.07	-0.07	-0.08	-0.08
Common shares outstanding	107	89	84	83	95	26	14	14	14

Show Quarterly Balance Sheet

	Mar-26	Dec-25	Sep-25	Jun-25	Mar-25	Dec-24	Sep-24	Jun-24	Mar-24	Dec-23	Sep-23	Jun-23	Mar-23	Dec-22	Sep-22	Jun-22	Mar-22	Dec-21	Sep-21	Jun-21	Mar-21	Dec-20	Sep-20	Jun-20	Mar-20	Dec-19	Sep-19
Total cash and short-term investments +	0.97	0.70	0.54	0.44	0.61	0.80	0.46	0.42	0.35	0.42	0.57	0.48	0.43	0.47	0.73	0.84	0.78	1.00	1.09	0.52	0.27	0.27	0.06	0.00	0.04	0.05	0.00
Cash and cash equivalents	0.93	0.66	0.49	0.40	0.61	0.79	0.45	0.38	0.31	0.38	0.53	0.44	0.39	0.43	0.69	0.80	0.77	0.99	1.05	0.51	0.26	0.26	0.06		-0.04	0.05
Short-term investments	0.04	0.04	0.04	0.04		0.01	0.00	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.01	0.01	0.04	0.01	0.01	0.01	0.00		0.09
Accounts receivable, net		0.10	0.12	0.10	0.06	0.07	0.09	0.06	0.05	0.06	0.04	0.05	0.05	0.05	0.05	0.05	0.06	0.06	0.04	0.04	0.02	0.03	0.03			0.04
Inventories								-0.06	-1.29	-1.33	-1.12	-0.96	-1.10	-1.18	-0.46				0.03			0.01
Other current assets		0.44	0.38	0.33	0.27	0.22	0.02	0.02	0.02	0.02	0.02	0.91	1.05	0.02	0.02	0.02	0.03	0.03	0.02	0.01	0.08	0.01	0.00			0.01
Total current assets	0.93	1.20	0.99	0.83	0.94	1.08	0.56	0.46	0.38	0.45	0.59	0.44	0.43	0.50	0.77	0.87	0.85	1.09	1.11	0.57	0.26	0.30	0.10		0.04	0.10
Total non-current assets +	2.03	1.78	1.91	1.65	1.36	1.29	1.25	1.36	1.54	1.57	1.41	0.24	0.31	1.43	1.15	1.04	1.14	0.73	0.50	0.33	0.03	0.18	0.21		-0.04	0.29
Property, plant and equipment, net												0.05	0.05	0.04	0.04	0.13	0.03	0.12	0.09	0.03	0.02	0.02	0.02			0.02
Goodwill	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07
Intangible assets	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.01	0.01	0.00			0.00
Long-term investments	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04
Other non-current assets
Total assets	2.96	2.97	2.90	2.48	2.30	2.37	1.81	1.82	1.93	2.02	2.00	1.76	1.82	1.94	1.92	1.92	1.99	1.82	1.61	0.90	0.49	0.48	0.31			0.39

Total current liabilities +	0.23	0.40	0.38	0.45	0.35	0.46	0.26	0.32	0.40	0.46	0.40	0.01	0.01	0.40	0.33	0.28	0.20	0.14	0.07	0.07	0.03	0.08	0.10			0.11
Accounts payable	0.02	0.03	0.01	0.03	0.01	0.01	0.02	0.01	0.01	0.01	0.01	0.01	0.01	0.02	0.01	0.02	0.01	0.01	0.01	0.02	0.01	0.01	0.01			0.01
Short-term debt	0.01	0.10	0.14	0.19	0.13	0.20	0.17	0.26	0.35	0.39	0.35	0.28	0.35	0.34	0.27	0.21	0.12	0.05	0.00	0.00	0.02	0.04	0.08			0.08
Current portion of long-term debt	0.18	0.10	0.14	0.19	0.13	0.20	0.17	0.26	0.35	0.39	0.35	0.28	0.35	0.34	0.27	0.21	0.12	0.05	0.00	0.00	0.02	0.04	0.08			0.08
Deferred revenue
Other current liabilities	0.20	0.27	0.23	0.23	0.21	0.25	0.07	0.04	0.04	0.06	0.04	-0.01	-0.35	0.05	0.05	0.05	0.07	0.09	0.06	0.05	0.00	0.02	0.02			0.02
Total non-current liabilities +	2.00	1.77	1.78	1.31	1.27	1.28	0.95	0.91	0.92	0.92	0.96	1.03	1.19	0.86	0.87	0.87	0.91	0.87	0.82	0.12	0.04	0.10	0.26			0.34
Long-term debt	1.74	1.73	1.72	1.24	1.21	1.21	0.72	0.65	0.65	0.65	1.00	0.93	1.00	0.99	0.92	0.65	0.77	0.70	0.65	0.01	0.04	0.06	0.02			0.03
Capital lease obligations	0.02	0.02	0.04	0.04	0.05	0.05	0.05	0.06	0.06	0.06	0.09	0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.07	0.02	0.02	0.02	0.01			0.02
Other non-current liabilities												0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.07	0.02	0.02
Total liabilities	2.23	2.18	2.16	1.76	1.62	1.73	1.21	1.23	1.31	1.38	1.36	1.13	1.19	1.26	1.20	1.16	1.11	1.01	0.89	0.19	0.17	0.18	0.36			0.46

Total stockholders' equity +	0.73	0.80	0.74	0.72	0.68	0.63	0.60	0.59	0.61	0.64	0.64	0.64	0.63	0.67	0.72	0.76	0.88	0.81	0.72	0.72	0.32	0.30	-0.05		0.10	-0.06
Common stock and paid-in capital	1.10	1.16	1.12	1.13	1.09	1.04	1.00	1.00	0.96	0.92	0.88	0.84	0.80	0.71	0.71	0.69	0.78	0.74	0.71	0.74	0.38	0.37	0.02	0.00	0.10	0.01	0.00
Retained earnings	-0.36	-0.36	-0.38	-0.41	-0.41	-0.41	-0.41	-0.40	-0.35	-0.28	-0.24	-0.20	-0.17	-0.04	0.01	0.07	0.10	0.07	0.01	-0.02	-0.06	-0.07	-0.07			-0.08
Common shares outstanding	97	112	110	103	94	92	90	88	87	86	84	83	82	82	82	84	95	99	97	96	92	26	27	15	15	14	14

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	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17
Operating cash flow +	-0.15	0.19	-0.11	-0.66	0.17	0.02	0.03	0.05	0.01
Net income
Depreciation, depletion and amortization	0.02	0.02	0.02	0.01	0.01	0.00	0.00	0.00	0.00
Stock-based compensation	0.13	0.13	0.18	0.13	0.07	0.01	0.00	0.00	0.00
Change in inventory
Other working capital changes	-0.30	0.03	-0.31	-0.80	0.09	0.00	0.03	0.05	0.01
Cash flow from investing +	-0.18	-0.24	-0.12	-0.11	-0.14	0.14	0.05	-0.14	-0.39
Capital expenditures	-0.02	-0.01	-0.01	-0.02	-0.02	-0.01	-0.01	0.00	0.00
Others incl. marketable securities changes	-0.16	-0.23	-0.11	-0.09	-0.13	0.14	0.05	-0.14	-0.39
Cash flow from financing +	0.41	0.56	0.17	0.11	0.86	0.08	-0.12	0.14	0.41
Dividend payout			-0.01	-0.01	0.00		0.00
Common stock repurchases		0.00	0.00	-0.18	0.00	0.00	0.00	0.00	0.00
Net Debt Issuance	0.41	0.56	0.17	0.30	0.86	0.08	-0.11	0.14	0.41

Change in cash	0.08	0.51	-0.06	-0.66	0.88	0.23	-0.04	0.05	0.03

Show Quarterly Cash Flow

	Mar-26	Dec-25	Sep-25	Jun-25	Mar-25	Dec-24	Sep-24	Jun-24	Mar-24	Dec-23	Sep-23	Jun-23	Mar-23	Dec-22	Sep-22	Jun-22	Mar-22	Dec-21	Sep-21	Jun-21	Mar-21	Dec-20	Sep-20	Jun-20	Mar-20	Dec-19	Sep-19
Operating cash flow +	-0.13	0.11	-0.12	-0.12	-0.01	-0.11	0.18	0.07	0.04	-0.14	-0.11	0.22	-0.08	-0.25	-0.10	-0.05	-0.27	-0.03	0.04	0.09	0.04	0.07	0.02	0.02	-0.09	0.01	0.01
Net income
Depreciation, depletion and amortization	0.01	0.01	0.01	0.01	0.01	0.00	0.01	0.00	0.01	0.01	0.00	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Stock-based compensation	0.03	0.03	0.03	0.04	0.03	0.03	0.03	0.03	0.04	0.03	0.04	0.03	0.07	0.03	0.04	0.03	0.03	0.02	0.02	0.02	0.01	0.00	0.00	0.00	0.00	0.00	0.00
Change in inventory
Other working capital changes	-0.17	0.07	-0.16	-0.16	-0.05	-0.15	0.14	0.03	0.00	-0.19	-0.15	0.18	-0.16	-0.29	-0.14	-0.09	-0.29	-0.05	0.02	0.07	0.03	0.06	0.01	0.01	-0.09	0.01	0.01
Cash flow from investing +	0.00	0.13	-0.12	-0.11	-0.08	-0.08	-0.05	-0.08	-0.04	-0.03	-0.02	-0.04	-0.03	-0.09	-0.02	-0.01	0.01	-0.02	-0.08	-0.04	0.00	0.01	0.00	0.01	0.11	-0.01	-0.01
Capital expenditures	-0.01	0.00	0.00	0.00	-0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-0.01	0.00	-0.01	-0.01	-0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Others incl. marketable securities changes	0.01	0.14	-0.12	-0.11	-0.07	-0.07	-0.04	-0.07	-0.04	-0.03	-0.02	-0.04	-0.02	-0.08	-0.02	0.00	0.01	-0.02	-0.08	-0.04	0.00	0.01	0.01	0.02	0.11	0.00	0.00
Cash flow from financing +	0.01	-0.02	0.38	0.09	-0.04	0.51	-0.04	0.12	-0.04	0.03	0.24	-0.12	0.02	0.04	0.04	-0.03	0.08	0.07	0.60	0.23	-0.02	0.12	-0.01	-0.01	-0.03	-0.02	-0.02
Dividend payout												-0.01		-0.01	0.00										0.00
Common stock repurchases	-0.10		0.01		0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-0.03	-0.03	-0.13	0.00	0.00	0.01	0.00	0.00	0.00				0.00
Net Debt Issuance	0.11	-0.02	0.37	0.09	-0.04	0.51	-0.04	0.12	-0.04	0.03	0.24	-0.12	0.02	0.07	0.07	0.09	0.08	0.06	0.58	0.23	-0.02	0.12	-0.01	-0.01	-0.03	-0.02	-0.02

Change in cash	-0.13	0.22	0.14	-0.14	-0.14	0.32	0.10	0.12	-0.03	-0.15	0.11	0.06	-0.08	-0.30	-0.08	-0.10	-0.18	0.02	0.55	0.28	0.02	0.20	0.01	0.02	-0.01	-0.02	-0.02

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Upstart Holdings, Inc.

Income Statement - Upstart Holdings, Inc. (UPST)

Income Statement - Upstart Holdings, Inc. (UPST)

Balance Sheet - Upstart Holdings, Inc. (UPST)

Balance Sheet - Upstart Holdings, Inc. (UPST)

Cash Flow - Upstart Holdings, Inc. (UPST)

Cash Flow - Upstart Holdings, Inc. (UPST)