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Income Statement (USD)
| Q2 '25 | QoQ | |
|---|---|---|
| Revenue | 257M | 16.7% |
| Operating expense | 253M | 17.1% |
| Net Income | 5.6M | 329.1% |
| EBITDA | 4.5M | 14.1% |
Balance Sheet (USD)
| Q2 '25 | QoQ | |
|---|---|---|
| Total Assets | 2.48B | 7.9% |
| Total Liabilities | 1.76B | 8.4% |
| Total Equity | 722M | 6.7% |
| Shares Outstanding | 103M | 9.1% |
Cash Flow (USD)
| Q2 '25 | QoQ | |
|---|---|---|
| Cash from operations | -120M | 791% |
| Cash from investing | -110M | 39.8% |
| Cash from financing | 45M | 200% |
EPS
Financial Highlights for Upstart in Q2 '25
Upstart reported a revenue of 257M, which is a 16.7% change from the previous quarter. An increase in revenue typically indicates growing demand for the company's products or services. This positive change in revenue is a good sign, suggesting that the company's sales are moving in the right direction.
Operating Expenses for this period were 253M, showing a 17.1% 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 5.6M, showing a 329.1% 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 4.5M, showing a 14.1% 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.
