Financhill
Sell
36

UPST Quote, Financials, Valuation and Earnings

Last price:
$46.28
Seasonality move :
37.86%
Day range:
$47.05 - $51.47
52-week range:
$20.60 - $96.43
Dividend yield:
0%
P/E ratio:
--
P/S ratio:
7.06x
P/B ratio:
7.35x
Volume:
7.1M
Avg. volume:
7.2M
1-year change:
96.28%
Market cap:
$4.7B
Revenue:
$628.8M
EPS (TTM):
-$1.46
Period Ending 2020-12-31 2021-12-31 2022-12-31 2023-12-31 2024-12-31
Revenue $222.1M $846.6M $837.8M $508.1M $628.8M
Revenue Growth (YoY) 36.41% 281.27% -1.05% -39.35% 23.76%
 
Cost of Revenues -- -- -- -- --
Gross Profit -- -- -- -- --
Gross Profit Margin -- -- -- -- --
 
R&D Expenses -- -- -- -- --
Selling, General & Admin $182.8M $572.5M $719.1M $489.9M $555.7M
Other Inc / (Exp) -$22.8M $28M -$159.6M -$181M -$144.9M
Operating Expenses $182.8M $571.2M $719.1M $475.2M $584.7M
Operating Income -- -- -- -- --
 
Net Interest Expenses -- -- -- -- --
EBT. Incl. Unusual Items $6M $133.7M -$109.1M -$240M -$128.4M
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense $371K -$1.7M -$409K $107K $185K
Net Income to Company $5.6M $135.4M -$108.7M -$240.1M -$128.6M
 
Minority Interest in Earnings $404K -- -- -- --
Net Income to Common Excl Extra Items $6M $135.4M -$108.7M -$240.1M -$128.6M
 
Basic EPS (Cont. Ops) -- $1.73 -$1.31 -$2.87 -$1.44
Diluted EPS (Cont. Ops) -- $1.43 -$1.31 -$2.87 -$1.44
Weighted Average Basic Share $17.5M $78.1M $82.8M $83.8M $89.5M
Weighted Average Diluted Share $17.5M $94.8M $82.8M $83.8M $89.5M
 
EBITDA -- -- -- -- --
EBIT $14M $137M -$93.5M -$200.4M -$80.3M
 
Revenue (Reported) $222.1M $846.6M $837.8M $508.1M $628.8M
Operating Income (Reported) -- -- -- -- --
Operating Income (Adjusted) $14M $137M -$93.5M -$200.4M -$80.3M
Period Ending 2020-12-31 2021-12-31 2022-12-31 2023-12-31 2024-12-31
Revenue $77.7M $302.9M $142.2M $134.9M $211.3M
Revenue Growth (YoY) 21.75% 289.98% -53.04% -5.18% 56.65%
 
Cost of Revenues -- -- -- -- --
Gross Profit -- -- -- -- --
Gross Profit Margin -- -- -- -- --
 
R&D Expenses -- -- -- -- --
Selling, General & Admin $62.2M $197.9M $141.4M $130.7M $156.5M
Other Inc / (Exp) -$7.3M $13.5M -$88.7M -$50.5M -$14.3M
Operating Expenses $62.2M $197.9M $141.4M $131.4M $155.9M
Operating Income -- -- -- -- --
 
Net Interest Expenses -- -- -- -- --
EBT. Incl. Unusual Items $1.4M $59.3M -$55.7M -$42.3M -$2.6M
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense $371K $323K -$464K $63K $111K
Net Income to Company $1M $58.9M -$55.3M -$42.4M -$2.8M
 
Minority Interest in Earnings -- -- -- -- --
Net Income to Common Excl Extra Items $1M $58.9M -$55.3M -$42.4M -$2.8M
 
Basic EPS (Cont. Ops) $0.04 $0.71 -$0.67 -$0.50 -$0.03
Diluted EPS (Cont. Ops) $0.04 $0.61 -$0.67 -$0.50 -$0.03
Weighted Average Basic Share $26.1M $82.7M $81.4M $85.6M $92.2M
Weighted Average Diluted Share $26.1M $96.6M $81.4M $85.6M $92.2M
 
EBITDA -- -- -- -- --
EBIT $2.5M $59.7M -$46.5M -$23.6M $12.5M
 
Revenue (Reported) $77.7M $302.9M $142.2M $134.9M $211.3M
Operating Income (Reported) -- -- -- -- --
Operating Income (Adjusted) $2.5M $59.7M -$46.5M -$23.6M $12.5M
Period Ending 2020-12-31 2021-12-31 2022-12-31 2023-12-31 2024-12-31
Revenue $222.1M $846.6M $837.8M $508.1M $628.8M
Revenue Growth (YoY) -- -- -- -- --
 
Cost of Revenues -- -- -- -- --
Gross Profit -- -- -- -- --
Gross Profit Margin -- -- -- -- --
 
R&D Expenses -- -- -- -- --
Selling, General & Admin $182.8M $573.7M $719.1M $489.9M $555.7M
Other Inc / (Exp) -$22.8M $32.3M -$183.6M -$173.1M -$137.8M
Operating Expenses $182.8M $573.7M $719.1M $475.2M $584.7M
Operating Income -- -- -- -- --
 
Net Interest Expenses -- -- -- -- --
EBT. Incl. Unusual Items $6M $133.7M -$109.1M -$240M -$128.4M
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense $371K -$1.7M -$409K $107K $185K
Net Income to Company $5.6M $135.4M -$108.7M -$240.1M -$128.6M
 
Minority Interest in Earnings $404K -- -- -- --
Net Income to Common Excl Extra Items $6M $135.4M -$108.7M -$240.1M -$128.6M
 
Basic EPS (Cont. Ops) -$0.16 $1.71 -$1.33 -$2.90 -$1.46
Diluted EPS (Cont. Ops) -$0.18 $1.41 -$1.38 -$2.90 -$1.46
Weighted Average Basic Share
Weighted Average Diluted Share
 
EBITDA -- -- -- -- --
EBIT $14M $137M -$93.5M -$200.4M -$80.3M
 
Revenue (Reported) $222.1M $846.6M $837.8M $508.1M $628.8M
Operating Income (Reported) -- -- -- -- --
Operating Income (Adjusted) $14M $137M -$93.5M -$200.4M -$80.3M
Period Ending 2021-12-31 2022-12-31 2023-12-31 2024-12-31 2025-12-31
Revenue $846.6M $837.8M $508.1M $628.8M --
Revenue Growth (YoY) -- -- -- -- --
 
Cost of Revenues -- -- -- -- --
Gross Profit -- -- -- -- --
Gross Profit Margin -- -- -- -- --
 
R&D Expenses -- -- -- -- --
Selling, General & Admin $573.7M $719.1M $489.9M $555.7M --
Other Inc / (Exp) $32.3M -$183.6M -$173.1M -$137.8M --
Operating Expenses $573.7M $719.1M $475.2M $584.7M --
Operating Income -- -- -- -- --
 
Net Interest Expenses -- -- -- -- --
EBT. Incl. Unusual Items $133.7M -$109.1M -$240M -$128.4M --
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense -$1.7M -$409K $107K $185K --
Net Income to Company $135.4M -$108.7M -$240.1M -$128.6M --
 
Minority Interest in Earnings -- -- -- -- --
Net Income to Common Excl Extra Items $135.4M -$108.7M -$240.1M -$128.6M --
 
Basic EPS (Cont. Ops) $1.71 -$1.33 -$2.90 -$1.46 --
Diluted EPS (Cont. Ops) $1.41 -$1.38 -$2.90 -$1.46 --
Weighted Average Basic Share $312.4M $331.1M $335M $357.8M --
Weighted Average Diluted Share $378.9M $342.3M $335M $357.8M --
 
EBITDA -- -- -- -- --
EBIT $137M -$93.5M -$200.4M -$80.3M --
 
Revenue (Reported) $846.6M $837.8M $508.1M $628.8M --
Operating Income (Reported) -- -- -- -- --
Operating Income (Adjusted) $137M -$93.5M -$200.4M -$80.3M --
Period Ending 2020-12-31 2021-12-31 2022-12-31 2023-12-31 2024-12-31
Cash and Equivalents $258.8M $995M $432.4M $377.3M $793.6M
Short Term Investments -- -- -- -- --
Accounts Receivable, Net $11.7M $55.5M $46.7M $40.5M $48.2M
Inventory -- -- -- -- --
Prepaid Expenses $6M $30M $16.7M $18M $28.8M
Other Current Assets -- -- -- -- --
Total Current Assets $295.5M $1.1B $502M $456.6M $950.9M
 
Property Plant And Equipment $28.3M $120.4M $130.5M $97.3M $82.5M
Long-Term Investments -- $40M $41.3M $41.3M $41.3M
Goodwill -- $67.1M $67.1M $67.1M $67.1M
Other Intangibles -- $19.9M $15.6M $11.4M $9.4M
Other Long-Term Assets -- -- -- -- --
Total Assets $477.3M $1.8B $1.9B $2B $2.4B
 
Accounts Payable $13.8M $6.6M $18.7M $12.6M $12.4M
Accrued Expenses $24.8M $85.5M $45.3M $58.3M $102.3M
Current Portion Of Long-Term Debt -- -- -- -- --
Current Portion Of Capital Lease Obligations -- -- -- -- --
Other Current Liabilities -- -- -- -- --
Total Current Liabilities $124.6M $247.7M $491.3M $653.3M $457.8M
 
Long-Term Debt $22.1M $647.4M $649.9M $653M $1.2B
Capital Leases -- -- -- -- --
Total Liabilities $177M $1B $1.3B $1.4B $1.7B
 
Common Stock $7K $8K $8K $9K $9K
Other Common Equity Adj -- -- -- -- --
Common Equity $300.3M $807.1M $672.4M $635.3M $633.2M
Total Preferred Equity -- -- -- -- --
Minority Interest, Total -- -- -- -- --
Total Equity $300.3M $807.1M $672.4M $635.3M $633.2M
 
Total Liabilities and Equity $477.3M $1.8B $1.9B $2B $2.4B
Cash and Short Terms $258.8M $995M $432.4M $377.3M $793.6M
Total Debt $62.6M $695.4M $986.4M $1B $1.4B
Period Ending 2020-12-31 2021-12-31 2022-12-31 2023-12-31 2024-12-31
Cash and Equivalents $258.8M $995M $432.4M $377.3M $793.6M
Short Term Investments -- -- -- -- --
Accounts Receivable, Net $11.7M $55.5M $46.7M $40.5M $48.2M
Inventory -- -- -- -- --
Prepaid Expenses $6M $30M $16.7M $18M $28.8M
Other Current Assets -- -- -- -- --
Total Current Assets $295.5M $1.1B $502M $456.6M $950.9M
 
Property Plant And Equipment $28.3M $120.4M $130.5M $97.3M $82.5M
Long-Term Investments -- $40M $41.3M $41.3M $41.3M
Goodwill -- $67.1M $67.1M $67.1M $67.1M
Other Intangibles -- $19.9M $15.6M $11.4M $9.4M
Other Long-Term Assets -- -- -- -- --
Total Assets $477.3M $1.8B $1.9B $2B $2.4B
 
Accounts Payable $13.8M $6.6M $18.7M $12.6M $12.4M
Accrued Expenses $24.8M $85.5M $45.3M $58.3M $102.3M
Current Portion Of Long-Term Debt -- -- -- -- --
Current Portion Of Capital Lease Obligations -- -- -- -- --
Other Current Liabilities -- -- -- -- --
Total Current Liabilities $124.6M $247.7M $491.3M $653.3M $457.8M
 
Long-Term Debt $22.1M $647.4M $649.9M $653M $1.2B
Capital Leases -- -- -- -- --
Total Liabilities $177M $1B $1.3B $1.4B $1.7B
 
Common Stock $7K $8K $8K $9K $9K
Other Common Equity Adj -- -- -- -- --
Common Equity -- -- -- -- --
Total Preferred Equity -- -- -- -- --
Minority Interest, Total -- -- -- -- --
Total Equity $300.3M $807.1M $672.4M $635.3M $633.2M
 
Total Liabilities and Equity $477.3M $1.8B $1.9B $2B $2.4B
Cash and Short Terms $258.8M $995M $432.4M $377.3M $793.6M
Total Debt $62.6M $695.4M $986.4M $1B $1.4B
Period Ending 2020-12-31 2021-12-31 2022-12-31 2023-12-31 2024-12-31
Net Income to Stockholders $5.6M $135.4M -$108.7M -$240.1M -$128.6M
Depreciation & Amoritzation $2.3M $7.5M $13.5M $24.9M $20.5M
Stock-Based Compensation $11.5M $73.2M $125.9M $175M $133.4M
Change in Accounts Receivable -- -- -- -- --
Change in Inventories -- -- -- -- --
Cash From Operations $15.7M $168.4M -$657.9M -$111.7M $186.3M
 
Capital Expenditures $5.6M $15.1M $22.9M $12.1M $10M
Cash Acquisitions -- -$16.8M -- -- $11.9M
Cash From Investing $136.5M -$143.9M -$114.1M -$118.5M -$237.7M
 
Dividends Paid (Ex Special Dividend) -- -- -- -- --
Special Dividend Paid
Long-Term Debt Issued $92.1M $718.4M $688.8M $792.2M $1.3B
Long-Term Debt Repaid -$174.2M -$71.3M -$400.9M -$599.3M -$738.1M
Repurchase of Common Stock -- -- -$177.9M -- --
Other Financing Activities -$622K -$74.5M -$16.8M -$48.8M -$31.9M
Cash From Financing $79.1M $855.4M $113.2M $165.5M $559.9M
 
Beginning Cash (CF) $80.1M $311.3M $1.2B $532.5M $467.8M
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions $231.3M $879.9M -$658.8M -$64.7M $508.5M
Ending Cash (CF) $311.3M $1.2B $532.5M $467.8M $976.3M
 
Levered Free Cash Flow $10.1M $153.2M -$680.8M -$123.8M $176.3M
Period Ending 2020-12-31 2021-12-31 2022-12-31 2023-12-31 2024-12-31
Net Income to Stockholders $1M $58.9M -$55.3M -$42.4M -$2.8M
Depreciation & Amoritzation $647K $2.6M $3.7M $9.1M $4.7M
Stock-Based Compensation $4.4M $23.1M $33.9M $32.8M $29.8M
Change in Accounts Receivable -- -- -- -- --
Change in Inventories -- -- -- -- --
Cash From Operations $68.5M -$11.1M -$236.1M -$145.6M -$110.9M
 
Capital Expenditures $1.4M $5.7M $5M $1.7M $3.4M
Cash Acquisitions -- -$196K -- -- --
Cash From Investing $8.8M -$19.8M -$85.1M -$29.9M -$77.9M
 
Dividends Paid (Ex Special Dividend) -- -- -- -- --
Special Dividend Paid -- -- -- -- --
Long-Term Debt Issued $10.3M $51.3M $258.5M $97.4M $580.1M
Long-Term Debt Repaid -$48.3M -$5.9M -$191.8M -$74.4M -$76.8M
Repurchase of Common Stock -- -- -$27.8M -- --
Other Financing Activities -- -- -$16.8M $1.9M -$3.1M
Cash From Financing $123.4M $50.4M $23.7M $28.3M $509.3M
 
Beginning Cash (CF) $110.6M $1.2B $829.9M $615M $655.8M
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions $200.7M $19.5M -$297.5M -$147.2M $320.5M
Ending Cash (CF) $311.3M $1.2B $532.5M $467.8M $976.3M
 
Levered Free Cash Flow $67.2M -$16.8M -$241M -$147.3M -$114.3M
Period Ending 2020-12-31 2021-12-31 2022-12-31 2023-12-31 2024-12-31
Net Income to Stockholders $5.6M $135.4M -$108.7M -$240.1M -$128.6M
Depreciation & Amoritzation $2.3M $7.5M $13.5M $24.9M $20.5M
Stock-Based Compensation $11.5M $73.2M $125.9M $175M $133.4M
Change in Accounts Receivable -- -- -- -- --
Change in Inventories -- -- -- -- --
Cash From Operations $15.7M $168.4M -$657.9M -$111.7M $186.3M
 
Capital Expenditures $5.6M $15.1M $22.9M $12.1M $10M
Cash Acquisitions -- -$16.8M -- -- --
Cash From Investing $136.5M -$143.9M -$114.1M -$118.5M -$237.7M
 
Dividends Paid (Ex Special Dividend) -- -- -- -- --
Special Dividend Paid
Long-Term Debt Issued $92.1M $718.4M $688.8M $792.2M $1.3B
Long-Term Debt Repaid -$174.2M -$71.3M -$400.9M -$599.3M -$738.1M
Repurchase of Common Stock -- -- -- -- --
Other Financing Activities -$622K -- -- -$48.8M -$31.9M
Cash From Financing $79.1M $855.4M $113.2M $165.5M $559.9M
 
Beginning Cash (CF) -- -- -- -- --
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions $231.3M $879.9M -$658.8M -$64.7M $508.5M
Ending Cash (CF) -- -- -- -- --
 
Levered Free Cash Flow $10.1M $153.2M -$680.8M -$123.8M $176.3M
Period Ending 2021-12-31 2022-12-31 2023-12-31 2024-12-31 2025-12-31
Net Income to Stockholders $135.4M -$108.7M -$240.1M -$128.6M --
Depreciation & Amoritzation $7.5M $13.5M $24.9M $20.5M --
Stock-Based Compensation $73.2M $125.9M $175M $133.4M --
Change in Accounts Receivable -- -- -- -- --
Change in Inventories -- -- -- -- --
Cash From Operations $168.4M -$657.9M -$111.7M $186.3M --
 
Capital Expenditures $15.1M $22.9M $12.1M $10M --
Cash Acquisitions -$16.8M -- -- -- --
Cash From Investing -$143.9M -$114.1M -$118.5M -$237.7M --
 
Dividends Paid (Ex Special Dividend) -- -- -- -- --
Special Dividend Paid -- -- -- -- --
Long-Term Debt Issued $718.4M $688.8M $792.2M $1.3B --
Long-Term Debt Repaid -$71.3M -$400.9M -$599.3M -$738.1M --
Repurchase of Common Stock -- -$177.9M -- -- --
Other Financing Activities -$74.5M -$16.8M -$48.8M -$31.9M --
Cash From Financing $855.4M $113.2M $165.5M $559.9M --
 
Beginning Cash (CF) $2.4B $3.9B $2.1B $2.1B --
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions $879.9M -$658.8M -$64.7M $508.5M --
Ending Cash (CF) $3.3B $3.3B $2B $2.6B --
 
Levered Free Cash Flow $153.2M -$680.8M -$123.8M $176.3M --

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