Upstart Holdings, Inc.

BASE:UPST Stock Report

Market Cap: AR$6.4t

Upstart Holdings Past Earnings Performance

Past criteria checks 0/6

Upstart Holdings's earnings have been declining at an average annual rate of -60%, while the Consumer Finance industry saw earnings growing at 12.6% annually. Revenues have been growing at an average rate of 12.4% per year.

Key information

-60.0%

Earnings growth rate

-59.0%

EPS growth rate

Consumer Finance Industry Growth36.3%
Revenue growth rate12.4%
Return on equity-28.2%
Net Margin-27.8%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Upstart Holdings makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

BASE:UPST Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 24605-168376244
30 Jun 24576-202360234
31 Mar 24577-175348233
31 Dec 23548-240340280
30 Sep 23546-253343287
30 Jun 23562-269360298
31 Mar 23652-271438297
31 Dec 22853-109531237
30 Sep 221,0076590220
30 Jun 221,07691614191
31 Mar 221,041158562165
31 Dec 21852135455134
30 Sep 2163476347102
30 Jun 214724925375
31 Mar 21297916751
31 Dec 20241014539
30 Sep 20221613932
31 Dec 19191012519
31 Dec 18126-12838
31 Dec 1767-8495

Quality Earnings: UPST is currently unprofitable.

Growing Profit Margin: UPST is currently unprofitable.

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: UPST is unprofitable, and losses have increased over the past 5 years at a rate of 60% per year.

Accelerating Growth: Unable to compare UPST's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: UPST is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (9.8%).

Return on Equity

High ROE: UPST has a negative Return on Equity (-28.25%), as it is currently unprofitable.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/26 00:35
End of Day Share Price 2024/12/26 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Upstart Holdings, Inc. is covered by 22 analysts. 13 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Ishan MajumdarBaptista Research
Ramsey El-AssalBarclays
Nathaniel SchindlerBofA Global Research