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Upstart Holdings, Inc. income statement

In fiscal 2025, Upstart Holdings, Inc. reported revenue of $1.04bn, up 64.0% on the year before, operating income of $42.6m (a 4.1% margin) and net income of $53.6m, or $0.45 per diluted share. Every line below comes from the company's 10-K and 10-Q filings; column headings link to the filing.

Income statement

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMSept 2026
Revenue1642338498425146371,0441,340
Research and development1939134237280254258334
Selling and marketing93100333346127167302412
General and administrative3246123185212231254301
Operating income−512141−114−257−1734362
Interest expense26831135———
Net interest income——47−65−4719485
Income tax00−2−00012
Net income−06135−109−240−1295465
Diluted EPS−$0.03$0.00$1.43−$1.31−$2.87−$1.44$0.45$0.57
Diluted shares (average)14m18m95m83m84m89m107m114m
EBITDA−414148−100−232−1526774

EBITDA is operating income plus depreciation and amortisation. EPS and share counts are restated for stock splits. A dash means the company did not report the line for that period; expense lines are shown as reported, so they need not add up to the totals when a company reports other items between them.

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Figures from Upstart Holdings, Inc.'s SEC filings (10-K and 10-Q), retrieved November 3, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Upstart Holdings, Inc.