Upstart Holdings, Inc. (UPST)

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=jivedata("UPST","financials")

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Upstart Holdings, Inc.

UPST • CIK 0001647639

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	20,654,173	30,506,110	18,809,711	21,735,616

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Cash and Cash Equivalents, at Carrying Value	—	$788,422	$652,388	$455,957
Restricted Cash	$99,382	$187,841	$404,624	$526,320
Financing Receivable, after Allowance for Credit Loss	$1,156,413	$806,304	$984,552	$1,064,239
Property, Plant and Equipment, Net	$42,655	$39,013	$44,174	$49,421
Operating Lease, Right-of-Use Asset	$54,694	$43,455	$16,410	$18,783
Equity Securities without Readily Determinable Fair Value, Amount	$41,250	$41,250	$41,250	$41,000
Goodwill	$67,062	$67,062	$67,062	$67,062
Other Assets	$146,227	$216,763	$255,387	$170,406
Assets	$2,017,100	$2,366,958	$2,974,805	$3,171,273
Debt, Long-term and Short-term, Combined Amount	$1,040,424	$1,402,168	$1,829,145	$2,003,129
Accrued Liabilities and Other Liabilities	$71,438	$133,800	$171,495	$170,974
Operating Lease, Liability	$62,324	$50,278	$21,149	$22,352
Liabilities	$1,381,795	$1,733,740	$2,175,990	$2,373,785
Common Stock, Value, Issued	$9	$9	$10	$10
Additional Paid in Capital	$917,872	$1,044,366	$1,156,361	$1,145,141
Retained Earnings (Accumulated Deficit)	$-282,576	$-411,157	$-357,556	$-347,663
Stockholders' Equity Attributable to Parent	$635,305	$633,218	$798,815	$797,488
Other Assets, Fair Value Disclosure	$48,897	$107,627	$138,582	$54,946
Common Stock, Shares Authorized	700,000,000	700,000,000	700,000,000	700,000,000
Common Stock, Shares, Issued	86,330,303	93,469,721	98,033,361	97,306,813
Other Receivables	$14,847	$22,055	$97,416	$97,416
Accrued Fees and Other Revenue Receivable	$40,490	$48,233	$46,647	$58,187
Servicing Asset at Fair Value, Amount	$28,092	$27,439	$40,941	$54,842
Prepaid Expense	$17,976	$28,830	$39,658	$32,543
Other Assets, Miscellaneous	$18,589	$17,457	$17,379	$15,334
Intangible Assets, Net (Excluding Goodwill)	$11,356	$9,431	$8,289	$7,718
Deposits Assets	$8,919	$5,185	$5,057	$1,782
Property, Plant and Equipment, Gross	$80,104	$94,414	$122,595	$139,950
Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment	$37,449	$55,401	$78,421	$90,529
Depreciation	$20,600	$18,600	$23,700	$12,400
Capitalized Computer Software, Net	$31,300	$31,000	$38,500	$40,200
Capitalized Computer Software, Impairments	$2,600	$0	$0	$0
Accrued Liabilities	$28,099	$37,781	$68,232	$64,424
Employee-related Liabilities	$30,161	$64,514	$49,275	$27,842
Accounts Payable	$12,613	$12,381	$31,981	$39,387
Other Liabilities	$2,668	$3,241	$6,788	$14,354
Beneficial Interest Liability	$4,221	$10,089	$5,075	$10,158
Servicing Liability at Fair Value, Amount	$2,038	$1,180	$4,383	$8,409

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Net Income (Loss) Attributable to Parent	$-240,132	$-128,581	$53,601	$60,334
Net Cash Provided by (Used in) Operating Activities	$-160,493	$186,331	$-147,725	$-284,006
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect	$-64,680	$508,476	$80,749	$280,817
Increase (Decrease) in Finance Receivables	—	$-125,002	$113,672	$18,490
Payments to Acquire Loans Held-for-investment	$157,223	$323,096	$1,033,027	$1,272,302
Proceeds from Sale of Loans Held-for-investment	$972	$0	$395,731	$811,210
Proceeds from Principal Repayments on Loans and Leases Held-for-investment	$102,446	$145,266	$320,364	$348,442
Proceeds from Collection of Notes Receivable	$4,328	$5,917	$23,051	$43,584
Increase (Decrease) in Other Financial Instruments Used in Operating Activities	—	$-4,130	$6,921	$5,764
Share-based Payment Arrangement, Noncash Expense	$175,039	$133,400	$131,950	$145,885
Payments to Acquire Finance Receivables	—	—	$7,862	$8,583
Proceeds from Collection of Finance Receivables	—	—	$3,515	$4,884
Gain (Loss) on Extinguishment of Debt	—	$33,361	$7,246	$7,246
Payments to Acquire Property, Plant, and Equipment	$1,527	$837	$347	$5,040
Depreciation, Depletion and Amortization	$24,903	$20,549	$24,835	$25,576
Payments for Software	$10,559	$9,153	$18,060	$16,084
Net Cash Provided by (Used in) Investing Activities	$-118,455	$-237,726	$-177,171	$106,190
Paid-in-Kind Interest	$3,057	$3,217	$8,607	$13,821
Proceeds from Long-term Lines of Credit	—	$387,281	$294,218	$542,412
Proceeds from Convertible Debt	—	$913,440	$678,270	$678,270
Payments of Debt Issuance Costs	$0	$3,945	$3,150	$2,707
Repayments of Long-term Lines of Credit	—	$357,352	$317,097	$418,239
Repayments of Convertible Debt	—	$325,344	$224,154	$224,154
Repayments of Accounts Receivable Securitization	$23,320	$55,368	$40,592	$32,720
Proceeds from Accounts Receivable Securitization	$165,318	$0	$0	$0
Proceeds from Stock Plans	—	—	$25,300	$16,925
Net Cash Provided by (Used in) Financing Activities	$214,268	$559,871	$405,645	$458,633
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents	$467,787	$976,263	$1,057,012	$1,148,818
Interest Paid, Excluding Capitalized Interest, Operating Activities	$36,547	$43,119	$43,483	$35,768
Income Taxes Paid, Net	$-658	$258	$590	$1,384
Share-based Payment Arrangement, Amount Capitalized	$6,666	$4,320	$9,382	$7,295
Notes Reduction	—	$221,749	$0	$0
Cash and Cash Equivalents, at Carrying Value	—	$788,422	$652,388	$525,544
Restricted Cash	$99,382	$187,841	$404,624	$623,274
Payments to Purchase Loans Held-for-sale	$3,006,510	$4,309,268	$9,072,905	$11,152,981
Proceeds from Sale of Loans Held-for-sale	$2,514,627	$4,101,937	$8,679,462	$10,487,873
Proceeds from Collection of Loans Held-for-sale	$189,746	$192,889	$187,660	$200,149
Proceeds from Securitizations of Loans Held-for-sale	$24,832	$47,997	$37,885	$33,094
Increase (Decrease) in Other Operating Assets	$8,932	$8,690	$10,831	$19,978
Increase (Decrease) in Accrued Liabilities and Other Operating Liabilities	$2,171	$44,124	$39,558	$36,912

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Import this data to Google Sheets with:

=jivedata("UPST","financials")

Full statements spill as a table. For one cell: =jivedata("UPST","Revenue") or =jivedata("UPST","Revenue","TTM"). Install the Jive Data add-on, then paste into a cell.