Upstart Holdings, Inc. (UPST)
Every figure this model derived for UPST, the value it took, and the element in the company's own XBRL it was read from — so any of it can be checked against the filing rather than taken on trust. As at 2026-06-30.
The figures, and where each came from
This is the part no other screener shows. Each figure below names the XBRL element it was read from, so it can be checked against the filing itself.
| Figure | Value | XBRL tag | As at |
|---|---|---|---|
| capex | 5,040,000 | PaymentsToAcquirePropertyPlantAndEquipment |
2026-06-30 |
| cash | 455,957,000 | CashAndCashEquivalentsAtCarryingValue |
2026-06-30 |
| equity | 797,488,000 | StockholdersEquity |
2026-06-30 |
| interest expense | 35,768,000 | InterestPaidNet |
2026-06-30 |
| ocf | -284,006,000 | NetCashProvidedByUsedInOperatingActivities |
2026-06-30 |
| revenue | 1,246,117,000 | Revenues |
2026-06-30 |
| sbc | 145,885,000 | ShareBasedCompensation |
2026-06-30 |
The ratios
The figures themselves rather than their scores — what somebody looking up UPST on one particular measure came for.
| Ratio | Value |
|---|---|
| cash operating margin | 17.75 |
| dilution pct | 20.19 |
| ev ebit | 75.27 |
| ev owner earnings | -8.6 |
| ev sales | 3.0 |
| fcf margin | -23.2 |
| growth cv | 1.63 |
| interest cover | 1.39 |
| net debt ebitda | 20.55 |
| operating margin | 3.99 |
| owner earnings margin | -34.9 |
| revenue growth | 46.3 |
| revenue growth per share | 21.73 |
| roic | 1.67 |
| rule of 40 | 50.29 |
| sbc pct revenue | 11.71 |
Everything else this filing tags
309 more elements from UPST's own XBRL that this model has no measure for, newest reading each, largest first. Nothing here is converted, added up or renamed — it is the filing's own element names and the filing's own numbers.
| Element | Newest | As of | Periods | Unit |
|---|---|---|---|---|
PaymentsToPurchaseLoansHeldForSale | 6,049,875,000 | 2026-06-30 | 51 | USD |
ProceedsFromSaleOfLoansHeldForSale | 5,532,144,000 | 2026-06-30 | 51 | USD |
Assets | 3,171,273,000 | 2026-06-30 | 46 | USD |
LiabilitiesAndStockholdersEquity | 3,171,273,000 | 2026-06-30 | 46 | USD |
Liabilities | 2,373,785,000 | 2026-06-30 | 46 | USD |
DebtLongtermAndShorttermCombinedAmount | 2,003,129,000 | 2026-06-30 | 46 | USD |
AssetsFairValueDisclosure | 1,897,270,000 | 2026-06-30 | 28 | USD |
LoansReceivableFairValueDisclosure | 1,156,413,000 | 2023-12-31 | 8 | USD |
AdditionalPaidInCapital | 1,145,141,000 | 2026-06-30 | 46 | USD |
NotesReceivableNet | 1,064,239,000 | 2026-06-30 | 38 | USD |
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents | 982,277,000 | 2026-06-30 | 92 | USD |
StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest | 807,078,000 | 2021-12-31 | 20 | USD |
CommonStockSharesAuthorized | 700,000,000 | 2026-06-30 | 61 | shares |
ProceedsFromConvertibleDebt | 678,270,000 | 2025-12-31 | 12 | USD |
OperatingExpenses | 665,801,000 | 2026-06-30 | 75 | USD |
StockIssuedDuringPeriodSharesAcquisitions | 650,740,000 | 2021-12-31 | 4 | shares |
PaymentsToAcquireLoansHeldForInvestment | 617,215,000 | 2026-06-30 | 51 | USD |
DeferredTaxAssetsGross | 551,371,000 | 2025-12-31 | 10 | USD |
DeferredTaxAssetsValuationAllowance | 531,883,000 | 2025-12-31 | 10 | USD |
RestrictedCash | 526,320,000 | 2026-06-30 | 46 | USD |
Cash | 445,274,000 | 2024-09-30 | 30 | USD |
ProceedsFromSaleOfLoansHeldForInvestment | 435,726,000 | 2026-06-30 | 45 | USD |
ProceedsFromLongTermLinesOfCredit | 424,550,000 | 2026-06-30 | 20 | USD |
RevenueFromContractWithCustomerExcludingAssessedTax | 407,585,000 | 2023-09-30 | 36 | USD |
StockRepurchaseProgramAuthorizedAmount1 | 400,000,000 | 2022-02-28 | 9 | USD |
DeferredTaxAssetsOperatingLossCarryforwards | 357,440,000 | 2025-12-31 | 10 | USD |
RetainedEarningsAccumulatedDeficit | -347,663,000 | 2026-06-30 | 46 | USD |
StockIssuedDuringPeriodValueNewIssues | 263,931,000 | 2021-12-31 | 11 | USD |
SaleOfStockConsiderationReceivedOnTransaction | 263,900,000 | 2021-04-13 | 5 | USD |
RepaymentsOfLongTermLinesOfCredit | 253,833,000 | 2026-06-30 | 20 | USD |
ProceedsFromIssuanceOfDebt | 247,510,000 | 2024-06-30 | 31 | USD |
IncreaseDecreaseInFinancialInstrumentsUsedInOperatingActivities | -234,822,000 | 2023-12-31 | 27 | USD |
RepaymentsOfConvertibleDebt | 224,154,000 | 2025-12-31 | 10 | USD |
SellingAndMarketingExpense | 218,967,000 | 2026-06-30 | 75 | USD |
ResearchAndDevelopmentExpense | 173,972,000 | 2026-06-30 | 75 | USD |
AccruedLiabilitiesAndOtherLiabilities | 170,974,000 | 2026-06-30 | 46 | USD |
OtherAssets | 170,406,000 | 2026-06-30 | 46 | USD |
StockIssuedDuringPeriodValueConversionOfConvertibleSecurities | 162,546,000 | 2020-12-31 | 2 | USD |
ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment | 158,019,000 | 2026-06-30 | 51 | USD |
GeneralAndAdministrativeExpense | 156,448,000 | 2026-06-30 | 75 | USD |
RepaymentsOfDebt | 154,999,000 | 2024-06-30 | 31 | USD |
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue | 149,224,000 | 2026-06-30 | 46 | USD |
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue | 149,149,000 | 2026-06-30 | 23 | USD |
PropertyPlantAndEquipmentGross | 139,950,000 | 2026-06-30 | 46 | USD |
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1 | 137,387,000 | 2026-06-30 | 23 | USD |
AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationStockOptionsRequisiteServicePeriodRecognition | 131,905,000 | 2022-12-31 | 26 | USD |
StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1 | 122,100,000 | 2026-06-30 | 18 | USD |
NotesReceivableFairValueDisclosure | 120,375,000 | 2026-06-30 | 10 | USD |
InterestIncomeOperating | 113,112,000 | 2026-06-30 | 49 | USD |
IncomeLossIncludingPortionAttributableToNoncontrollingInterest | -109,074,000 | 2022-12-31 | 16 | USD |
ProfitLoss | -108,665,000 | 2022-12-31 | 16 | USD |
InterestAndDividendIncomeOperating | 105,580,000 | 2022-12-31 | 26 | USD |
WeightedAverageNumberOfDilutedSharesOutstanding | 101,414,541 | 2026-06-30 | 75 | shares |
StockRepurchasedAndRetiredDuringPeriodValue | 100,786,000 | 2026-03-31 | 5 | USD |
StockRepurchasedDuringPeriodValue | 100,325,000 | 2026-06-30 | 12 | USD |
NetCashProvidedByUsedInFinancingActivities | 100,236,000 | 2026-06-30 | 51 | USD |
PaymentsForRepurchaseOfCommonStock | 100,057,000 | 2026-06-30 | 20 | USD |
OtherReceivables | 97,416,000 | 2025-12-31 | 32 | USD |
CommonStockSharesIssued | 97,306,813 | 2026-06-30 | 46 | shares |
CommonStockSharesOutstanding | 97,306,813 | 2026-06-30 | 46 | shares |
WeightedAverageNumberOfSharesOutstandingBasic | 96,736,956 | 2026-06-30 | 75 | shares |
ProceedsFromCollectionOfLoansHeldForSale | 95,627,000 | 2026-06-30 | 51 | USD |
NetCashProvidedByUsedInInvestingActivities | 94,958,000 | 2026-06-30 | 51 | USD |
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment | 90,529,000 | 2026-06-30 | 46 | USD |
PurchaseObligation | 88,800,000 | 2021-09-30 | 6 | USD |
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue | 82,929,000 | 2026-06-30 | 49 | USD |
AllocatedShareBasedCompensationExpense | 79,277,000 | 2026-06-30 | 75 | USD |
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect | -74,735,000 | 2026-06-30 | 51 | USD |
IncreaseDecreaseInFinanceReceivables | -74,118,000 | 2026-06-30 | 24 | USD |
StockIssuedDuringPeriodValueAcquisitions | 71,003,000 | 2021-12-31 | 9 | USD |
DeferredTaxAssetsTaxCreditCarryforwardsResearch | 69,300,000 | 2025-12-31 | 10 | USD |
Goodwill | 67,062,000 | 2026-06-30 | 48 | USD |
GoodwillAcquiredDuringPeriod | 66,866,000 | 2021-09-30 | 3 | USD |
EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions | 65,400,000 | 2023-03-31 | 9 | USD |
DeferredTaxAssetsInProcessResearchAndDevelopment | 65,211,000 | 2025-12-31 | 8 | USD |
AccruedLiabilitiesCurrentAndNoncurrent | 64,424,000 | 2026-06-30 | 46 | USD |
AccruedFeesAndOtherRevenueReceivable | 58,187,000 | 2026-06-30 | 46 | USD |
UnrecordedUnconditionalPurchaseObligationBalanceSheetAmount | 56,000,000 | 2026-06-30 | 3 | USD |
OtherAssetsFairValueDisclosure | 54,946,000 | 2026-06-30 | 46 | USD |
ServicingAssetAtFairValueAmount | 54,842,000 | 2026-06-30 | 46 | USD |
IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic | 54,300,000 | 2025-12-31 | 15 | USD |
PropertyPlantAndEquipmentNet | 49,421,000 | 2026-06-30 | 46 | USD |
InterestIncomeExpenseNet | 47,840,000 | 2026-06-30 | 39 | USD |
EquitySecuritiesWithoutReadilyDeterminableFairValueAmount | 41,000,000 | 2026-06-30 | 42 | USD |
CapitalizedComputerSoftwareNet | 40,200,000 | 2026-03-31 | 44 | USD |
AccountsPayableCurrentAndNoncurrent | 39,387,000 | 2026-06-30 | 46 | USD |
RevenueNotFromContractWithCustomer | -34,335,000 | 2023-09-30 | 36 | USD |
PrepaidExpenseCurrentAndNoncurrent | 32,543,000 | 2026-06-30 | 46 | USD |
UnrecognizedTaxBenefits | 32,197,000 | 2025-12-31 | 20 | USD |
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount | 31,913,291 | 2026-06-30 | 75 | shares |
SecuritiesLoanedFairValueOfCollateral | 29,900,000 | 2025-06-30 | 5 | USD |
DebtInstrumentUnamortizedDiscount | 28,454,000 | 2026-06-30 | 46 | USD |
EmployeeRelatedLiabilitiesCurrentAndNoncurrent | 27,842,000 | 2026-06-30 | 46 | USD |
ProceedsFromCollectionOfNotesReceivable | 27,054,000 | 2026-06-30 | 51 | USD |
CommonStockCapitalSharesReservedForFutureIssuance | 26,505,239 | 2026-06-30 | 38 | shares |
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue | 26,300,000 | 2026-06-30 | 51 | USD |
LesseeOperatingLeaseLiabilityPaymentsDue | 26,271,000 | 2026-06-30 | 23 | USD |
IncomeTaxReconciliationNondeductibleExpenseShareBasedCompensationCost | -26,048,000 | 2025-12-31 | 15 | USD |
FiniteLivedIntangibleAssetsGross | 23,100,000 | 2025-03-31 | 20 | USD |
InterestExpenseOperating | 22,901,000 | 2026-06-30 | 34 | USD |
ValuationAllowanceDeferredTaxAssetChangeInAmount | 22,900,000 | 2025-12-31 | 5 | USD |
OperatingLeaseLiability | 22,352,000 | 2026-06-30 | 46 | USD |
DeferredIncomeTaxLiabilities | 19,488,000 | 2025-12-31 | 10 | USD |
DeferredTaxAssetsNet | 19,488,000 | 2025-12-31 | 10 | USD |
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccruals | 18,795,000 | 2025-12-31 | 10 | USD |
OperatingLeaseRightOfUseAsset | 18,783,000 | 2026-06-30 | 46 | USD |
ProceedsFromRecoveriesOfLoanPreviouslyChargedOff | 17,300,000 | 2026-06-30 | 41 | USD |
IncreaseDecreaseInOperatingLeaseLiability | -15,400,000 | 2025-12-31 | 2 | USD |
OtherAssetsMiscellaneous | 15,334,000 | 2026-06-30 | 46 | USD |
ProceedsFromSecuritizationsOfLoansHeldForSale | 15,142,000 | 2026-06-30 | 29 | USD |
ProceedsFromStockOptionsExercised | 14,494,000 | 2025-09-30 | 44 | USD |
OtherLiabilities | 14,354,000 | 2026-06-30 | 46 | USD |
RepaymentsOfAccountsReceivableSecuritization | 14,149,000 | 2026-06-30 | 29 | USD |
FiniteLivedIntangibleAssetsAccumulatedAmortization | 13,967,000 | 2025-03-31 | 20 | USD |
DepreciationDepletionAndAmortization | 12,984,000 | 2026-06-30 | 51 | USD |
Depreciation | 12,400,000 | 2026-06-30 | 57 | USD |
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate | 11,409,000 | 2025-12-31 | 15 | USD |
FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss | 11,100,000 | 2026-06-30 | 46 | USD |
PaymentsForUnderwritingExpense | 11,000,000 | 2021-04-13 | 5 | USD |
OtherNoncashIncomeExpense | 10,874,000 | 2024-09-30 | 31 | USD |
InterestExpense | 10,714,000 | 2024-03-31 | 41 | USD |
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost | 10,622,000 | 2025-12-31 | 10 | USD |
IncomeLossAttributableToParent | 10,591,000 | 2026-06-30 | 59 | USD |
IncomeTaxReconciliationTaxCreditsResearch | 10,187,000 | 2025-12-31 | 15 | USD |
IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities | -10,185,000 | 2026-06-30 | 51 | USD |
BeneficialInterest | 10,158,000 | 2026-06-30 | 24 | USD |
NetIncomeLoss | 9,893,000 | 2026-06-30 | 80 | USD |
NetIncomeLossAvailableToCommonStockholdersBasic | 9,893,000 | 2026-06-30 | 25 | USD |
NetIncomeLossAvailableToCommonStockholdersDiluted | 9,893,000 | 2026-06-30 | 21 | USD |
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1 | 9,800,000 | 2026-06-30 | 51 | USD |
IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance | 9,711,000 | 2025-12-31 | 15 | USD |
DeferredTaxLiabilitiesMortgageServicingRights | 9,436,000 | 2025-12-31 | 9 | USD |
LiabilitiesFairValueDisclosure | 8,820,000 | 2022-12-31 | 4 | USD |
ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlans | 8,449,000 | 2025-09-30 | 40 | USD |
PaymentsForSoftware | 8,434,000 | 2026-06-30 | 51 | USD |
ServicingLiabilityAtFairValueAmount | 8,409,000 | 2026-06-30 | 46 | USD |
PaidInKindInterest | 8,217,000 | 2026-06-30 | 35 | USD |
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber | 8,192,853 | 2026-06-30 | 46 | shares |
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber | 8,182,220 | 2026-06-30 | 23 | shares |
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability | 8,112,000 | 2026-06-30 | 28 | USD |
DividendIncomeOperating | 7,900,000 | 2026-06-30 | 3 | USD |
IntangibleAssetsNetExcludingGoodwill | 7,718,000 | 2026-06-30 | 44 | USD |
FiniteLivedIntangibleAssetsNet | 7,706,000 | 2026-06-30 | 29 | USD |
OperatingLeasePayments | 7,491,000 | 2026-06-30 | 75 | USD |
GainsLossesOnExtinguishmentOfDebt | 7,246,000 | 2025-12-31 | 14 | USD |
OperatingIncomeLoss | 7,121,000 | 2026-06-30 | 75 | USD |
LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths | 6,881,000 | 2026-06-30 | 23 | USD |
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber | 6,834,623 | 2026-06-30 | 23 | shares |
OperatingLeaseCost | 6,471,000 | 2026-06-30 | 75 | USD |
ProceedsFromStockPlans | 6,176,000 | 2026-06-30 | 7 | USD |
IncreaseDecreaseInAccountsPayableTrade | -6,127,000 | 2023-12-31 | 27 | USD |
LesseeOperatingLeaseLiabilityPaymentsDueYearTwo | 5,884,000 | 2026-06-30 | 23 | USD |
UnrecognizedTaxBenefitsPeriodIncreaseDecrease | 5,700,000 | 2025-12-31 | 5 | USD |
UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions | 5,290,000 | 2025-12-31 | 15 | USD |
IncreaseDecreaseInOtherOperatingAssets | 5,083,000 | 2026-06-30 | 51 | USD |
WeightedAverageNumberDilutedSharesOutstandingAdjustment | 4,677,585 | 2026-06-30 | 54 | shares |
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements | 4,677,585 | 2026-06-30 | 11 | shares |
StockIssuedDuringPeriodValueEmployeeStockPurchasePlan | 4,626,000 | 2026-06-30 | 50 | USD |
LesseeOperatingLeaseLiabilityPaymentsDueYearThree | 4,433,000 | 2026-06-30 | 23 | USD |
DeferredTaxLiabilitiesLeasingArrangements | 4,234,000 | 2025-12-31 | 10 | USD |
TemporaryEquityStockIssuedDuringPeriodValueNewIssues | 3,992,000 | 2019-12-31 | 1 | USD |
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount | 3,919,000 | 2026-06-30 | 23 | USD |
EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount | 3,652,000 | 2026-06-30 | 51 | USD |
OtherNonoperatingIncomeExpense | 3,470,000 | 2026-06-30 | 73 | USD |
StockRepurchasedAndRetiredDuringPeriodShares | 3,200,000 | 2026-06-30 | 13 | shares |
LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear | 3,115,000 | 2026-06-30 | 18 | USD |
LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive | 2,990,000 | 2023-12-31 | 3 | USD |
LesseeOperatingLeaseLiabilityPaymentsDueYearFive | 2,990,000 | 2024-12-31 | 4 | USD |
LettersOfCreditOutstandingAmount | 2,600,000 | 2025-09-30 | 20 | USD |
InterestReceivable | 2,600,000 | 2021-12-31 | 1 | USD |
FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive | 2,567,000 | 2025-12-31 | 5 | USD |
DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets | 2,135,000 | 2025-12-31 | 10 | USD |
VariableLeaseCost | 2,129,000 | 2026-06-30 | 75 | USD |
OtherNonoperatingExpense | 2,122,000 | 2022-03-31 | 2 | USD |
DepositsAssets | 1,782,000 | 2026-06-30 | 46 | USD |
StockIssuedDuringPeriodValueStockOptionsExercised | 1,551,000 | 2026-06-30 | 75 | USD |
NoncontrollingInterestDecreaseFromDeconsolidation | 1,461,000 | 2019-12-31 | 1 | USD |
LesseeOperatingLeaseLiabilityPaymentsDueYearFour | 1,443,000 | 2026-06-30 | 22 | USD |
ProceedsFromCollectionOfFinanceReceivables | 1,369,000 | 2026-06-30 | 9 | USD |
IncomeTaxesPaidNet | 1,344,000 | 2026-06-30 | 33 | USD |
IncreaseDecreaseInOtherFinancialInstrumentsUsedInOperatingActivities | 1,227,000 | 2026-06-30 | 24 | USD |
AmortizationOfAcquisitionCosts | 1,200,000 | 2021-06-30 | 1 | USD |
FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths | 1,142,000 | 2026-06-30 | 22 | USD |
FiniteLivedIntangibleAssetsAmortizationExpenseYearFour | 1,142,000 | 2026-06-30 | 22 | USD |
FiniteLivedIntangibleAssetsAmortizationExpenseYearThree | 1,142,000 | 2026-06-30 | 22 | USD |
FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo | 1,142,000 | 2026-06-30 | 22 | USD |
FiniteLivedIntangibleAssetsAmortizationExpenseYearFive | 1,142,000 | 2025-12-31 | 5 | USD |
DerivativeAssets | 1,129,000 | 2025-03-31 | 16 | USD |
InterestExpenseRelatedParty | 1,014,000 | 2021-06-30 | 10 | USD |
PaymentsOfStockIssuanceCosts | 1,000,000 | 2021-04-13 | 5 | USD |
StockIssuedDuringPeriodSharesStockOptionsExercised | 942,851 | 2026-06-30 | 23 | shares |
DeferredTaxLiabilitiesPropertyPlantAndEquipment | 784,000 | 2025-12-31 | 10 | USD |
CurrentIncomeTaxExpenseBenefit | 728,000 | 2025-12-31 | 15 | USD |
CurrentStateAndLocalTaxExpenseBenefit | 728,000 | 2025-12-31 | 15 | USD |
PaymentsToAcquireFinanceReceivables | 721,000 | 2026-06-30 | 7 | USD |
IncomeTaxExpenseBenefit | 698,000 | 2026-06-30 | 75 | USD |
IncomeTaxReconciliationStateAndLocalIncomeTaxes | 672,000 | 2025-12-31 | 15 | USD |
MinorityInterestDecreaseFromDistributionsToNoncontrollingInterestHolders | 622,000 | 2020-12-31 | 7 | USD |
IncomeTaxPaidStateAndLocalAfterRefundReceived | 590,000 | 2025-12-31 | 3 | USD |
FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear | 571,000 | 2026-06-30 | 17 | USD |
IncomeTaxReconciliationNondeductibleExpenseOther | 544,000 | 2025-12-31 | 3 | USD |
DebtIssuanceCostsIncurredDuringNoncashOrPartialNoncashTransaction | 443,000 | 2024-12-31 | 5 | USD |
UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions | 441,000 | 2025-12-31 | 15 | USD |
IncomeTaxReconciliationTaxContingencies | 426,000 | 2025-12-31 | 3 | USD |
IncomeTaxesPaid | 328,000 | 2022-12-31 | 16 | USD |
DeferredTaxAssetsGoodwillAndIntangibleAssets | 322,000 | 2025-12-31 | 10 | USD |
DeferredTaxAssetsOther | 288,000 | 2025-12-31 | 10 | USD |
ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesIssuedInPeriod | 243,725 | 2021-12-31 | 2 | shares |
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriod | 225,684 | 2026-06-30 | 23 | shares |
GoodwillPurchaseAccountingAdjustments | 200,000 | 2021-12-31 | 1 | USD |
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross | 156,405 | 2026-06-30 | 26 | shares |
DeferredTaxLiabilitiesOther | 78,000 | 2025-12-31 | 4 | USD |
ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights | 75,000 | 2018-10-31 | 3 | shares |
IncomeTaxReconciliationOtherAdjustments | 30,000 | 2025-12-31 | 15 | USD |
CommonStockValue | 10,000 | 2026-06-30 | 46 | USD |
PaymentsRelatedToTaxWithholdingForShareBasedCompensation | 9,000 | 2025-09-30 | 40 | USD |
StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures | -8,000 | 2022-09-30 | 2 | USD |
StockIssuedDuringPeriodValueRestrictedStockAwardGross | -8,000 | 2022-09-30 | 2 | USD |
AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation | 1,000 | 2026-06-30 | 50 | USD |
SaleOfStockPricePerShare | 120 | 2021-04-13 | 5 | USD/shares |
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice | 34 | 2026-06-30 | 22 | USD/shares |
TreasuryStockAcquiredAverageCostPerShare | 31 | 2026-06-30 | 5 | USD/shares |
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice | 28 | 2026-06-30 | 22 | USD/shares |
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice | 25 | 2026-06-30 | 46 | USD/shares |
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice | 25 | 2026-06-30 | 23 | USD/shares |
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice | 23 | 2026-06-30 | 23 | USD/shares |
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue | 17 | 2026-06-30 | 4 | USD/shares |
NumberOfOperatingSegments | 3 | 2026-06-30 | 8 | segment |
ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1 | 2 | 2018-10-31 | 3 | USD/shares |
LossContingencyNewClaimsFiledNumber | 2 | 2022-06-22 | 4 | lawsuit |
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMaximum | 2 | 2022-09-30 | 3 | pure |
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice | 2 | 2026-06-30 | 22 | USD/shares |
NumberOfReportableSegments | 1 | 2026-06-30 | 10 | segment |
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMinimum | 1 | 2021-03-31 | 2 | pure |
EffectiveIncomeTaxRateReconciliationNondeductibleExpenseShareBasedCompensationCost | -0 | 2025-12-31 | 3 | pure |
EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate | 0 | 2025-12-31 | 3 | pure |
EffectiveIncomeTaxRateReconciliationTaxCreditsResearch | 0 | 2025-12-31 | 3 | pure |
EffectiveIncomeTaxRateReconciliationChangeInDeferredTaxAssetsValuationAllowance | 0 | 2025-12-31 | 3 | pure |
RestructuringAndRelatedCostNumberOfPositionsEliminatedInceptionToDatePercent | 0 | 2024-12-31 | 7 | pure |
EarningsPerShareBasic | 0 | 2026-06-30 | 75 | USD/shares |
EarningsPerShareDiluted | 0 | 2026-06-30 | 75 | USD/shares |
OperatingLeaseWeightedAverageDiscountRatePercent | 0 | 2026-06-30 | 32 | pure |
EffectiveIncomeTaxRateContinuingOperations | 0 | 2026-06-30 | 63 | pure |
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMinimum | 0 | 2022-09-30 | 3 | pure |
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMaximum | 0 | 2022-09-30 | 3 | pure |
EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes | 0 | 2025-12-31 | 3 | pure |
EffectiveIncomeTaxRateReconciliationNondeductibleExpenseOther | 0 | 2025-12-31 | 3 | pure |
EffectiveIncomeTaxRateReconciliationTaxContingencies | 0 | 2025-12-31 | 3 | pure |
EffectiveIncomeTaxRateReconciliationOtherAdjustments | 0 | 2025-12-31 | 3 | pure |
CommonStockParOrStatedValuePerShare | 0 | 2026-06-30 | 61 | USD/shares |
AdjustmentForAmortization | 0 | 2025-12-31 | 46 | USD |
BusinessCombinationAcquisitionRelatedCosts | 0 | 2023-12-31 | 13 | USD |
BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable | 0 | 2023-12-31 | 17 | USD |
ClassOfWarrantOrRightUnissued | 0 | 2021-12-31 | 8 | shares |
IncentiveFeeExpense | 0 | 2022-12-31 | 10 | USD |
NetIncomeLossAttributableToNoncontrollingInterest | 0 | 2022-12-31 | 16 | USD |
PaymentsOfDebtIssuanceCosts | 0 | 2026-06-30 | 33 | USD |
PaymentsToAcquireBusinessesNetOfCashAcquired | 0 | 2023-12-31 | 17 | USD |
PaymentsToAcquireNotesReceivable | 0 | 2022-12-31 | 12 | USD |
PaymentsToAcquireOtherInvestments | 0 | 2024-12-31 | 26 | USD |
PaymentsToMinorityShareholders | 0 | 2022-12-31 | 12 | USD |
PreferredStockDividendsIncomeStatementImpact | 0 | 2022-12-31 | 12 | USD |
ProceedsFromIssuanceOfCommonStock | 0 | 2023-12-31 | 17 | USD |
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate | 0 | 2024-06-30 | 10 | pure |
TemporaryEquityCarryingAmountIncludingPortionAttributableToNoncontrollingInterests | 0 | 2021-12-31 | 22 | USD |
TemporaryEquitySharesOutstanding | 0 | 2021-12-31 | 22 | shares |
UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic | 0 | 2021-09-30 | 4 | USD |
UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted | 0 | 2021-12-31 | 6 | USD |
CurrentFederalTaxExpenseBenefit | 0 | 2025-12-31 | 15 | USD |
DeferredFederalIncomeTaxExpenseBenefit | 0 | 2025-12-31 | 15 | USD |
DeferredIncomeTaxExpenseBenefit | 0 | 2025-12-31 | 15 | USD |
DeferredStateAndLocalIncomeTaxExpenseBenefit | 0 | 2025-12-31 | 15 | USD |
DeferredTaxLiabilities | 0 | 2024-12-31 | 8 | USD |
ImpairmentOfLongLivedAssetsHeldForUse | 0 | 2024-03-31 | 6 | USD |
IncomeTaxReconciliationMinorityInterestIncomeExpense | 0 | 2022-12-31 | 6 | USD |
PaymentsForRepurchaseOfConvertiblePreferredStock | 0 | 2021-12-31 | 3 | USD |
ProceedsFromIssuanceInitialPublicOffering | 0 | 2022-12-31 | 6 | USD |
ProceedsFromIssuanceOfConvertiblePreferredStock | 0 | 2021-12-31 | 3 | USD |
ProceedsFromNotesPayable | 0 | 2021-12-31 | 3 | USD |
ProceedsFromWarrantExercises | 0 | 2022-12-31 | 6 | USD |
RepaymentsOfNotesPayable | 0 | 2021-12-31 | 3 | USD |
StockRepurchasedDuringPeriodShares | 0 | 2022-03-31 | 1 | shares |
TransferOfPortfolioLoansAndLeasesToHeldForSale1 | 0 | 2023-03-31 | 4 | USD |
ContractWithCustomerLiabilityRevenueRecognized | 0 | 2022-09-30 | 8 | USD |
ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant | 0 | 2021-06-30 | 1 | shares |
PaymentsToAcquireRestrictedCertificatesOfDeposit | 0 | 2024-12-31 | 9 | USD |
CapitalizedContractCostNet | 0 | 2025-12-31 | 26 | USD |
CapitalizedComputerSoftwareImpairments1 | 0 | 2026-03-31 | 25 | USD |
ProceedsFromAccountsReceivableSecuritization | 0 | 2025-12-31 | 13 | USD |
CapitalizedContractCostAmortization | 0 | 2025-12-31 | 9 | USD |
DeferredTaxLiabilitiesInvestments | 0 | 2025-12-31 | 6 | USD |
FinanceLeaseLiability | 0 | 2024-03-31 | 4 | USD |
NotesReduction | 0 | 2025-12-31 | 16 | USD |
SubleaseIncome | 0 | 2024-12-31 | 11 | USD |
TangibleAssetImpairmentCharges | 0 | 2025-03-31 | 2 | USD |
StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans | 0 | 2026-06-30 | 6 | shares |
IncrementalCommonSharesAttributableToConversionOfDebtSecurities | 0 | 2026-06-30 | 11 | shares |
DeferredTaxAssetsLiabilitiesNet | 0 | 2025-12-31 | 2 | USD |
EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate | 0 | 2025-12-31 | 3 | pure |
EffectiveIncomeTaxRateReconciliationCrossBorderTaxEffectAmount | 0 | 2025-12-31 | 3 | USD |
EffectiveIncomeTaxRateReconciliationCrossBorderTaxEffectPercent | 0 | 2025-12-31 | 3 | pure |
EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRateDifferential | 0 | 2025-12-31 | 3 | pure |
IncomeTaxPaidFederalAfterRefundReceived | 0 | 2025-12-31 | 3 | USD |
IncomeTaxPaidForeignAfterRefundReceived | 0 | 2025-12-31 | 3 | USD |
IncomeTaxReconciliationChangeInEnactedTaxRate | 0 | 2025-12-31 | 3 | USD |
IncomeTaxReconciliationForeignIncomeTaxRateDifferential | 0 | 2025-12-31 | 3 | USD |
UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued | 0 | 2025-12-31 | 1 | USD |
GoodwillImpairmentLoss | 0 | 2026-06-30 | 6 | USD |
DilutiveSecuritiesEffectOnBasicEarningsPerShareOther | 0 | 2026-06-30 | 4 | USD |
What to be careful about
What this model itself distrusts about UPST's figures. Written by the derivation as it ran, not added afterwards.
- the market value here was 4.4B: 194.6M shares from the filing at the quoted price. The price feed reports 97.3M shares, and that count at this same price gives 2.2B, which is the value the feed itself reports. So the two counts are of different things — a depositary receipt against the ordinary shares behind it, or a count filed in thousands — and the count the price belongs to is used
- forward EPS growth +460.6% is analyst consensus, not a filing: consensus 2027 EPS 3.48 against trailing 0.62, over 1 year(s), from 9 analysts (taken 2026-10-11)
- durability DROPPED from the total: only 2 of 4 inputs could be computed (contracted coverage, gross margin stability not tagged), so the score is not meaningful. Its weight is spread over the other dimensions
- resilience rests on 2 of 3 inputs; not tagged: liquidity