Upstart Holdings, Inc.

UPSTSEC EDGAR

Finance Services(DE)CIK: 1647639

Concept	FY2025	FY2024	FY2023	FY2022	FY2021
Revenue from Contract with Customer, Excluding Assessed Tax	—	—	—	$228.6M	$159.8M
Research and Development Expense	$280.1M	$237.2M	$134.0M	$38.8M	$18.8M
Operating Expenses	$770.1M	$956.3M	$707.7M	$221.7M	$168.8M
Operating Income (Loss)	-$256.5M	-$113.9M	$140.9M	$11.8M	-$4.6M
Interest Expense	—	—	$3.3M	$8.0M	$26.5M
Other Nonoperating Income (Expense)	$21.2M	$9.5M	-$5.2M	$5.5M	$1.0M
Income Tax Expense (Benefit)	$107.0K	-$409.0K	-$1.7M	$371.0K	$74.0K
Net Income (Loss) Attributable to Parent

Concept	FY2025	FY2024	FY2023	FY2022	FY2021
Assets	$2.4B	$2.0B	$1.9B	$1.8B	$477.3M
Cash and Cash Equivalents, at Carrying Value	$788.4M	$368.4M	—	—	—
Liabilities	$1.7B	$1.4B	$1.3B	$1.0B	$177.0M
Stockholders' Equity Attributable to Parent	$672.4M	$807.1M	$300.3M	-$61.7M	$300.3M
Common Stock, Shares, Outstanding	$93.5M	$86.3M	$81.3M	$83.7M	$73.3M

Concept	FY2025	FY2024	FY2023	FY2022	FY2021
Net Cash Provided by (Used in) Operating Activities	-$111.7M	-$657.9M	$168.4M	$15.7M	$31.6M
Net Cash Provided by (Used in) Investing Activities	-$118.5M	-$114.1M	-$143.9M	$136.5M	$45.4M
Net Cash Provided by (Used in) Financing Activities	$165.5M	$113.2M	$855.4M	$79.1M	-$119.2M
Payments to Acquire Property, Plant, and Equipment	$1.5M	$8.8M	$8.4M	$1.4M	$4.0M
Payments for Repurchase of Common Stock	—	$177.9M	$0.00	$0.00	—

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