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Income Statement (USD)
| Q4 '25 | QoQ | |
|---|---|---|
| Revenue | 280M | 2% |
| Operating expense | 277M | 30.5% |
| Net Income | 19M | 41.4% |
| EBITDA | 19M | 51% |
Balance Sheet (USD)
| Q4 '25 | QoQ | |
|---|---|---|
| Total Assets | 2.97B | 2.4% |
| Total Liabilities | 2.18B | 0.7% |
| Total Equity | 799M | 7.4% |
| Shares Outstanding | 112M | 2.3% |
Cash Flow (USD)
| Q4 '25 | QoQ | |
|---|---|---|
| Cash from operations | 109M | 188.5% |
| Cash from financing | -20M | 105.3% |
EPS
Financial Highlights for Upstart in Q4 '25
Upstart reported a revenue of 280M, which is a -2% change from the previous quarter. An increase in revenue typically indicates growing demand for the company's products or services. A decline in revenue can be concerning, as it might indicate reduced sales or challenges in the market. It's important to investigate further to understand the underlying causes.
Operating Expenses for this period were 277M, showing a 30.5% change from the last quarter. Operating expenses cover the costs of running daily business operations. A significant increase might indicate inefficiencies or investments in growth, while a decrease could suggest cost-saving measures or potential underinvestment in key areas.
Net Income for the quarter was 19M, showing a -41.4% change from the prior quarter. Net income provides a clear picture of the company's profitability after all expenses. An increase suggests the company is becoming more profitable, while a decrease may raise concerns about the company's financial health, unless there are specific one-time costs or investments.
The company's EBITDA for the quarter was 19M, showing a -51% change from the previous period. EBITDA gives insight into the company's operational profitability, excluding non-operating expenses like interest and taxes. A rising EBITDA indicates strong operational performance, while a declining EBITDA may signal operational challenges or increased costs.
Upstart faced some challenges this quarter with a decline in one or more of the key metrics: revenue, gross profit, or net income. Higher operating expenses might indicate increased investments or potential inefficiencies. A decline in EBITDA signals potential operational challenges or increased costs.
