Upstart Historical Income Statement

UPST Stock

USD 78.79 0.36 0.46%

Historical analysis of Upstart Holdings income statement accounts such as Net Interest Income of 137.4 M, Interest Income of 164 M, Depreciation And Amortization of 26.1 M or Interest Expense of 18.8 M can show how well Upstart Holdings performed in making a profits. Evaluating Upstart Holdings income statement over time to spot trends is a great complementary tool to traditional technical analysis and can indicate the direction of Upstart Holdings's future profits or losses.

Cash Flow Balance Sheet Income Statement

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Financial Statement Analysis is much more than just reviewing and examining Upstart Holdings latest accounting reports to predict its past. Macroaxis encourages investors to analyze financial statements over time for various trends across multiple indicators and accounts to determine whether Upstart Holdings is a good buy for the upcoming year.

Net Income Gross Profit

Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Upstart Holdings. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in state.

For more information on how to buy Upstart Stock please use our How to Invest in Upstart Holdings guide.

About Upstart Income Statement Analysis

Upstart Holdings Income Statement consists of revenues and expenses along with the resulting net income or loss. It represents the profit for the accounting period attributable to Upstart Holdings shareholders. The income statement also shows Upstart investors and management if the firm made money during the period reported. The result of an income statement is the net income that is calculated after subtracting the expenses from revenue. It is essential to investors both as an absolute measure as well as earnings per share (i.e., EPS).

Upstart Holdings Income Statement Chart

At this time, Upstart Holdings' Net Interest Income is comparatively stable compared to the past year. Interest Income is likely to gain to about 164 M in 2024, whereas Selling General Administrative is likely to drop slightly above 161.4 M in 2024.

Selling General Administrative Selling And Marketing Expenses Total Revenue Gross Profit Net Income From Continuing Ops Cost Of Revenue

Total Revenue

Total revenue comprises all receipts Upstart Holdings generated from the sale of its products or services. The total amount of income generated by the sale of goods or services related to the company's primary operations.

Gross Profit

Gross profit is a required income statement account that reflects total revenue of Upstart Holdings minus its cost of goods sold. It is profit before Upstart Holdings operating expenses, interest payments and taxes. Gross profit is also known as gross margin. The profit a company makes after deducting the costs associated with making and selling its products, or the costs associated with providing its services.

Cost Of Revenue

Cost of Revenue is found on Upstart Holdings income statement and represents the costs associated with goods and services Upstart Holdings provides. Indirect cost, such as salaries, is not included. In other words, cost of revenue is the total cost incurred to obtain a sale. It is more than the traditional cost of goods sold, since it includes specific selling and marketing activities.

Most accounts from Upstart Holdings' income statement are interrelated and interconnected. However, analyzing income statement accounts one by one will only give a small insight into Upstart Holdings current financial condition. On the other hand, looking into the entire matrix of income statement accounts, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Upstart Holdings. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in state.

For more information on how to buy Upstart Stock please use our How to Invest in Upstart Holdings guide.At this time, Upstart Holdings' Net Interest Income is comparatively stable compared to the past year. Interest Income is likely to gain to about 164 M in 2024, whereas Selling General Administrative is likely to drop slightly above 161.4 M in 2024.

	2021	2022	2023	2024 (projected)
Interest Income	50.6M	105.6M	156.2M	164.0M
Net Interest Income	47.3M	94.7M	130.9M	137.4M

Interest Income Net Interest Income

Upstart Holdings income statement Correlations

	Tax Provision	Net Interest Income	Interest Income	Depreciation And Amortization	Interest Expense	Selling General Administrative	Selling And Marketing Expenses	Total Revenue	Gross Profit	Other Operating Expenses	Operating Income	Net Income From Continuing Ops	Ebit	Research Development	Ebitda	Cost Of Revenue	Total Operating Expenses	Reconciled Depreciation	Income Before Tax	Total Other Income Expense Net	Net Income	Income Tax Expense	Minority Interest	Non Operating Income Net Other
Tax Provision		-0.48	-0.42	-0.44	0.11	-0.64	-0.77	-0.79	-0.81	-0.6	-0.1	-0.1	-0.11	-0.52	-0.17	-0.58	-0.67	-0.49	-0.11	-0.21	-0.11	0.82	-0.25	-0.28
Net Interest Income	-0.48		0.99	0.99	0.45	0.77	0.62	0.72	0.74	0.84	-0.81	-0.81	-0.8	0.99	-0.77	0.42	0.82	1.0	-0.8	0.75	-0.8	-0.17	0.36	0.97
Interest Income	-0.42	0.99		0.99	0.56	0.72	0.56	0.66	0.68	0.8	-0.84	-0.84	-0.83	0.97	-0.8	0.36	0.78	0.98	-0.84	0.75	-0.84	-0.08	0.44	0.96
Depreciation And Amortization	-0.44	0.99	0.99		0.49	0.71	0.56	0.67	0.7	0.79	-0.82	-0.82	-0.81	0.98	-0.78	0.34	0.78	0.99	-0.82	0.82	-0.82	-0.14	0.36	0.95
Interest Expense	0.11	0.45	0.56	0.49		0.13	-0.04	0.06	0.11	0.27	-0.63	-0.64	-0.63	0.4	-0.63	-0.18	0.24	0.44	-0.63	0.38	-0.63	0.49	0.68	0.48
Selling General Administrative	-0.64	0.77	0.72	0.71	0.13		0.94	0.97	0.96	0.98	-0.37	-0.35	-0.36	0.84	-0.32	0.9	0.98	0.78	-0.36	0.37	-0.36	-0.5	0.42	0.74
Selling And Marketing Expenses	-0.77	0.62	0.56	0.56	-0.04	0.94		0.98	0.96	0.87	-0.1	-0.09	-0.1	0.71	-0.05	0.93	0.91	0.64	-0.1	0.23	-0.09	-0.64	0.47	0.54
Total Revenue	-0.79	0.72	0.66	0.67	0.06	0.97	0.98		1.0	0.93	-0.22	-0.21	-0.21	0.8	-0.16	0.88	0.96	0.74	-0.21	0.36	-0.21	-0.62	0.44	0.63
Gross Profit	-0.81	0.74	0.68	0.7	0.11	0.96	0.96	1.0		0.93	-0.24	-0.23	-0.23	0.81	-0.18	0.83	0.97	0.76	-0.23	0.41	-0.23	-0.63	0.45	0.64
Other Operating Expenses	-0.6	0.84	0.8	0.79	0.27	0.98	0.87	0.93	0.93		-0.5	-0.48	-0.49	0.89	-0.45	0.8	0.99	0.85	-0.49	0.47	-0.49	-0.42	0.42	0.81
Operating Income	-0.1	-0.81	-0.84	-0.82	-0.63	-0.37	-0.1	-0.22	-0.24	-0.5		1.0	1.0	-0.75	1.0	0.01	-0.43	-0.79	1.0	-0.71	1.0	-0.34	-0.19	-0.89
Net Income From Continuing Ops	-0.1	-0.81	-0.84	-0.82	-0.64	-0.35	-0.09	-0.21	-0.23	-0.48	1.0		1.0	-0.74	1.0	0.03	-0.42	-0.79	1.0	-0.72	1.0	-0.35	-0.19	-0.88
Ebit	-0.11	-0.8	-0.83	-0.81	-0.63	-0.36	-0.1	-0.21	-0.23	-0.49	1.0	1.0		-0.74	1.0	0.01	-0.42	-0.78	1.0	-0.7	1.0	-0.35	-0.18	-0.89
Research Development	-0.52	0.99	0.97	0.98	0.4	0.84	0.71	0.8	0.81	0.89	-0.75	-0.74	-0.74		-0.7	0.53	0.88	0.99	-0.74	0.74	-0.74	-0.25	0.39	0.95
Ebitda	-0.17	-0.77	-0.8	-0.78	-0.63	-0.32	-0.05	-0.16	-0.18	-0.45	1.0	1.0	1.0	-0.7		0.04	-0.38	-0.74	1.0	-0.67	1.0	-0.39	-0.16	-0.86
Cost Of Revenue	-0.58	0.42	0.36	0.34	-0.18	0.9	0.93	0.88	0.83	0.8	0.01	0.03	0.01	0.53	0.04		0.82	0.44	0.02	-0.02	0.02	-0.57	0.33	0.42
Total Operating Expenses	-0.67	0.82	0.78	0.78	0.24	0.98	0.91	0.96	0.97	0.99	-0.43	-0.42	-0.42	0.88	-0.38	0.82		0.84	-0.42	0.46	-0.42	-0.48	0.44	0.77
Reconciled Depreciation	-0.49	1.0	0.98	0.99	0.44	0.78	0.64	0.74	0.76	0.85	-0.79	-0.79	-0.78	0.99	-0.74	0.44	0.84		-0.78	0.78	-0.78	-0.2	0.38	0.96
Income Before Tax	-0.11	-0.8	-0.84	-0.82	-0.63	-0.36	-0.1	-0.21	-0.23	-0.49	1.0	1.0	1.0	-0.74	1.0	0.02	-0.42	-0.78		-0.71	1.0	-0.35	-0.19	-0.89
Total Other Income Expense Net	-0.21	0.75	0.75	0.82	0.38	0.37	0.23	0.36	0.41	0.47	-0.71	-0.72	-0.7	0.74	-0.67	-0.02	0.46	0.78	-0.71		-0.71	-0.12	0.12	0.7
Net Income	-0.11	-0.8	-0.84	-0.82	-0.63	-0.36	-0.09	-0.21	-0.23	-0.49	1.0	1.0	1.0	-0.74	1.0	0.02	-0.42	-0.78	1.0	-0.71		-0.35	-0.19	-0.89
Income Tax Expense	0.82	-0.17	-0.08	-0.14	0.49	-0.5	-0.64	-0.62	-0.63	-0.42	-0.34	-0.35	-0.35	-0.25	-0.39	-0.57	-0.48	-0.2	-0.35	-0.12	-0.35		0.14	-0.03
Minority Interest	-0.25	0.36	0.44	0.36	0.68	0.42	0.47	0.44	0.45	0.42	-0.19	-0.19	-0.18	0.39	-0.16	0.33	0.44	0.38	-0.19	0.12	-0.19	0.14		0.32
Non Operating Income Net Other	-0.28	0.97	0.96	0.95	0.48	0.74	0.54	0.63	0.64	0.81	-0.89	-0.88	-0.89	0.95	-0.86	0.42	0.77	0.96	-0.89	0.7	-0.89	-0.03	0.32

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Upstart Holdings Account Relationship Matchups

Upstart Holdings income statement Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Tax Provision	74K	371K	(1.7M)	(409K)	(420K)	(441K)
Net Interest Income	4.3M	4.8M	47.3M	94.7M	130.9M	137.4M
Interest Income	30.8M	12.8M	50.6M	105.6M	156.2M	164.0M
Depreciation And Amortization	774K	2.3M	7.5M	13.5M	24.9M	26.1M
Interest Expense	26.5M	8.0M	3.3M	10.8M	34.9M	18.8M
Selling General Administrative	56.8M	83.2M	240.3M	373.3M	212.4M	161.4M
Selling And Marketing Expenses	93.2M	99.7M	333.5M	345.8M	127.1M	172.3M
Total Revenue	164.2M	233.4M	848.6M	842.4M	513.6M	433.5M
Gross Profit	139.2M	195.8M	731.0M	654.5M	488.7M	367.7M
Other Operating Expenses	151.0M	188.4M	568.5M	965.8M	770.1M	437.7M
Operating Income	(4.6M)	11.8M	140.9M	(113.9M)	(256.5M)	(243.7M)
Net Income From Continuing Ops	(5.0M)	5.6M	135.4M	(104.0M)	(253.0M)	(240.3M)
Ebit	(4.6M)	11.8M	140.9M	(113.9M)	(240.0M)	(228.0M)
Research Development	18.8M	38.8M	134.0M	237.2M	280.1M	294.1M
Ebitda	(3.8M)	14.0M	148.4M	(100.4M)	(215.1M)	(204.4M)
Cost Of Revenue	24.9M	37.6M	117.6M	188.0M	24.9M	23.7M
Total Operating Expenses	168.8M	221.7M	707.7M	956.3M	770.1M	470.9M
Reconciled Depreciation	774K	2.3M	7.5M	13.5M	19.5M	20.4M
Income Before Tax	(4.9M)	6.0M	133.7M	(109.1M)	(240.0M)	(228.0M)
Total Other Income Expense Net	(4.6M)	(404K)	(7.2M)	(11.7M)	16.5M	17.3M
Net Income Applicable To Common Shares	(466K)	6.0M	135.4M	(108.7M)	(97.8M)	(92.9M)
Net Income	(5.0M)	5.6M	135.4M	(108.7M)	(240.1M)	(228.1M)
Income Tax Expense	74K	371K	(1.7M)	(409K)	107K	112.4K

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Upstart Historical Income Statement

About Upstart Income Statement Analysis

Upstart Holdings Income Statement Chart

Total Revenue

Gross Profit

Cost Of Revenue

Upstart Holdings income statement Correlations

Upstart Holdings Account Relationship Matchups

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Upstart Holdings income statement Accounts

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Reconciled Depreciation	+ 1.0	Net Interest Income
Gross Profit	+ 1.0	Total Revenue
Net Income From Continuing Ops	+ 1.0	Operating Income
Ebit	+ 1.0	Operating Income
Ebitda	+ 1.0	Operating Income
Income Before Tax	+ 1.0	Operating Income

Non Operating Income Net Other	- 0.89	Net Income
Non Operating Income Net Other	- 0.89	Income Before Tax
Non Operating Income Net Other	- 0.89	Ebit
Non Operating Income Net Other	- 0.89	Operating Income
Non Operating Income Net Other	- 0.88	Net Income From Continuing Ops
Non Operating Income Net Other	- 0.86	Ebitda