$UPST Income Statement | Understand Stock

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$UPST

$30.38 -$3.23 (9.61%)

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Income Statement Balance Sheet Cashflow Statement

Income Statement

Concept	2025	2024	2023	2022	2021
Revenue	$1.044B 63.99% YoY	$636.5M 23.94% YoY	$513.6M -39.04% YoY	$842.4M -0.72% YoY	$848.6M 263.55% YoY
Cost Of Revenue	$188.4M 19.23% YoY	$158.0M 5.04% YoY	$150.4M -19.99% YoY	$188.0M 59.89% YoY	$117.6M 212.71% YoY
Gross Profit	$855.5M 78.77% YoY	$478.5M 31.77% YoY	$363.1M -49.51% YoY	$719.3M 5.2% YoY	$683.7M 257.96% YoY
Selling, General & Admin	$555.2M 39.6% YoY	$397.7M 17.14% YoY	$339.5M -36.07% YoY	$531.1M 16.43% YoY	$456.1M 213.99% YoY
Research & Development	$257.6M 1.56% YoY	$253.7M -9.45% YoY	$280.1M 18.08% YoY	$237.2M 77.05% YoY	$134.0M 245.34% YoY
Depreciation & Amortization	$24.84M 20.86% YoY	$20.55M -17.48% YoY	$24.90M 84.29% YoY	$13.51M 79.19% YoY	$7.541M 231.04% YoY
Operating Expenses	$1.001B 23.7% YoY	$809.4M 5.1% YoY	$770.1M -19.47% YoY	$956.3M 35.13% YoY	$707.7M 219.29% YoY
Operating Profit	$42.63M -124.66% YoY	-$172.9M -32.62% YoY	-$256.5M 125.29% YoY	-$113.9M -180.82% YoY	$140.9M 1097.46% YoY
Interest Expense	-$19.87M 158.28% YoY	-$7.694M -122.05% YoY	$34.89M 221.81% YoY	$10.84M 231.19% YoY	$3.274M -59.21% YoY
Other Income/Expense, Net	$24.32M 29.43% YoY	$18.79M -11.38% YoY	$21.21M 123.86% YoY	$9.473M -283.09% YoY	-$5.174M -193.24% YoY
Pretax Income	$54.30M -142.29% YoY	-$128.4M -46.5% YoY	-$240.0M 119.98% YoY	-$109.1M -181.6% YoY	$133.7M 2128.33% YoY
Income Tax	$728.0K 293.51% YoY	$185.0K 72.9% YoY	$107.0K -126.16% YoY	-$409.0K -76.11% YoY	-$1.712M -561.46% YoY
Net Earnings	$53.60M -141.69% YoY	-$128.6M -46.45% YoY	-$240.1M 120.98% YoY	-$108.7M -180.23% YoY	$135.4M 2163.8% YoY
Basic Earnings Per Share	$0.56 -138.89% YoY	-$1.44 -49.83% YoY	-$2.87 119.08% YoY	-$1.31 -175.72% YoY	$1.73 N/A
Diluted Earnings Per Share	$0.45 -131.25% YoY	-$1.44 -49.83% YoY	-$2.87 119.08% YoY	-$1.31 -191.61% YoY	$1.43 N/A
COMMON SHARES	N/A	N/A	N/A	N/A	N/A
Basic Shares Outstanding	96.03M shares 7.36% YoY	89.45M shares 6.79% YoY	83.77M shares 1.2% YoY	82.77M shares 5.97% YoY	78.11M shares 345.97% YoY
Diluted Shares Outstanding	107.5M shares 20.17% YoY	89.45M shares 6.79% YoY	83.77M shares 1.2% YoY	82.77M shares -12.66% YoY	94.77M shares 441.14% YoY

Concept	2026 Q1	2025 Q4	2025 Q3	2025 Q2	2025 Q1	2024 Q4	2024 Q3	2024 Q2	2024 Q1	2023 Q4	2023 Q3	2023 Q2	2023 Q1	2022 Q4	2022 Q3	2022 Q2	2022 Q1	2021 Q4	2021 Q3
Revenue	$308.2M 44.45% YoY	$296.1M 35.22% YoY	$277.1M 70.9% YoY	$257.3M 101.59% YoY	$213.4M 66.96% YoY	$219.0M 56.06% YoY	$162.1M 20.5% YoY	$127.6M -5.99% YoY	$127.8M 24.16% YoY	$140.3M -9.82% YoY	$134.6M -14.42% YoY	$135.8M -40.5% YoY	$102.9M -66.81% YoY	$155.6M -45.86% YoY	$157.2M -31.17% YoY	$228.2M 17.64% YoY	$310.1M 155.58% YoY	$287.4M 240.51% YoY	$228.5M 249.53% YoY
Cost Of Revenue	$55.10M 36.03% YoY	$51.84M 27.68% YoY	$49.79M 26.69% YoY	$46.25M 19.55% YoY	$40.50M 2.77% YoY	$40.60M 12.42% YoY	$39.30M 6.51% YoY	$38.68M 5.12% YoY	$39.41M -2.91% YoY	$36.12M -16.95% YoY	$36.90M -18.05% YoY	$36.80M -27.94% YoY	$40.59M -16.15% YoY	$43.49M 5.94% YoY	$45.03M 28.73% YoY	$51.07M 111.36% YoY	$48.41M 178.2% YoY	$41.05M 220.7% YoY	$34.98M 272.11% YoY
Gross Profit	$253.1M 46.42% YoY	$244.3M 36.94% YoY	$227.3M 85.05% YoY	$211.0M 137.27% YoY	$172.9M 95.59% YoY	$178.4M 71.18% YoY	$122.8M 11.87% YoY	$88.95M -16.8% YoY	$88.39M 15.46% YoY	$104.2M -7.06% YoY	$109.8M -18.25% YoY	$106.9M -48.43% YoY	$76.55M -71.18% YoY	$112.1M -54.49% YoY	$134.3M -23.44% YoY	$207.3M 27.06% YoY	$265.6M 168.8% YoY	$246.3M 244.05% YoY	$175.4M 227.93% YoY
Selling, General & Admin	$180.5M 51.03% YoY	$158.4M 36.7% YoY	$139.6M 35.42% YoY	$137.7M 60.13% YoY	$119.5M 28.85% YoY	$115.9M 22.58% YoY	$103.1M 19.13% YoY	$85.98M 15.66% YoY	$92.76M 10.3% YoY	$94.54M -3.42% YoY	$86.55M -16.87% YoY	$74.34M -51.14% YoY	$84.10M -52.46% YoY	$97.90M -37.6% YoY	$104.1M -18.53% YoY	$152.2M 49.09% YoY	$176.9M 154.92% YoY	$156.9M 217.59% YoY	$127.8M 277.78% YoY
Research & Development	$80.11M 38.51% YoY	$66.91M -0.46% YoY	$64.03M -1.33% YoY	$68.83M 17.74% YoY	$57.84M -8.33% YoY	$67.22M 17.62% YoY	$64.89M 18.1% YoY	$58.45M 0.83% YoY	$63.09M -42.68% YoY	$57.15M -10.74% YoY	$54.94M -16.98% YoY	$57.97M 1.63% YoY	$110.1M 120.18% YoY	$64.03M 37.71% YoY	$66.18M 78.46% YoY	$57.05M 81.49% YoY	$49.99M 163.28% YoY	$46.50M 227.43% YoY	$37.09M 272.12% YoY
Depreciation & Amortization	$5.858M -8.47% YoY	$6.461M 37.5% YoY	$0.00 -100.0% YoY	$5.600M 24.44% YoY	$6.400M 13.64% YoY	$4.699M -48.38% YoY	$5.100M 30.77% YoY	$4.500M 2.27% YoY	$5.632M -12.56% YoY	$9.103M 149.12% YoY	$3.900M 44.44% YoY	$4.400M 91.3% YoY	$6.441M 131.61% YoY	$3.654M 42.9% YoY	$2.700M 23.57% YoY	$2.300M 16.22% YoY	$2.781M 240.81% YoY	$2.557M 293.38% YoY	$2.185M 34.05% YoY
Operating Expenses	$315.7M 44.92% YoY	$225.3M 23.06% YoY	$253.4M 22.26% YoY	$252.7M 38.03% YoY	$217.9M 11.58% YoY	$183.1M 20.71% YoY	$207.3M 16.19% YoY	$183.1M 8.28% YoY	$195.3M -16.83% YoY	$151.7M -6.32% YoY	$178.4M -17.15% YoY	$169.1M -35.02% YoY	$234.8M -14.73% YoY	$161.9M -20.39% YoY	$215.3M 7.74% YoY	$260.3M 65.09% YoY	$275.3M 160.28% YoY	$203.4M 220.29% YoY	$199.9M 276.0% YoY
Operating Profit	-$7.518M 67.22% YoY	$18.92M -498.29% YoY	$23.67M -152.41% YoY	$4.542M -108.19% YoY	-$4.496M -93.34% YoY	-$4.750M -90.0% YoY	-$45.15M 2.98% YoY	-$55.49M 66.4% YoY	-$67.47M -48.82% YoY	-$47.50M -4.64% YoY	-$43.85M -24.52% YoY	-$33.34M 3.85% YoY	-$131.8M -478.48% YoY	-$49.81M -215.97% YoY	-$58.09M -303.12% YoY	-$32.11M -188.46% YoY	$34.83M 123.66% YoY	$42.95M 430.28% YoY	$28.60M 134.28% YoY
Interest Expense	N/A	-$19.87M 158.28% YoY	N/A	N/A	N/A	-$7.694M 63.49% YoY	N/A	N/A	$10.71M 50.22% YoY	-$4.706M -45.81% YoY	$9.414M 208.66% YoY	$4.282M 85.13% YoY	$7.132M 643.69% YoY	-$8.684M -149.73% YoY	$3.050M 1033.83% YoY	$2.313M 54.51% YoY	$959.0K -6.89% YoY	$17.46M 659.17% YoY	$269.0K -81.29% YoY
Other Income/Expense, Net	$956.0K -53.99% YoY	$20.12M 105.26% YoY	$1.017M -79.97% YoY	$1.114M 8.05% YoY	$2.078M -27.95% YoY	$9.800M 89.7% YoY	$5.078M 43.45% YoY	$1.031M -80.16% YoY	$2.884M 11.05% YoY	$5.166M 86.43% YoY	$3.540M 88.3% YoY	$5.197M 129.96% YoY	$2.597M -222.38% YoY	$2.771M -341.59% YoY	$1.880M 8445.45% YoY	$2.260M 112900.0% YoY	-$2.122M -59.45% YoY	-$1.147M -87.26% YoY	$22.00K -56.0% YoY
Pretax Income	-$6.562M 171.38% YoY	$19.16M -824.74% YoY	$31.93M -575.63% YoY	$5.656M -110.39% YoY	-$2.418M -96.26% YoY	-$2.644M -93.75% YoY	-$6.713M -83.34% YoY	-$54.46M 93.79% YoY	-$64.58M -50.03% YoY	-$42.34M -24.03% YoY	-$40.30M -28.31% YoY	-$28.10M -5.85% YoY	-$129.2M -495.09% YoY	-$55.73M -194.03% YoY	-$56.21M -301.87% YoY	-$29.85M -182.23% YoY	$32.71M 217.58% YoY	$59.27M 4133.36% YoY	$27.85M 187.06% YoY
Income Tax	$84.00K 189.66% YoY	$526.0K 373.87% YoY	$124.0K 175.56% YoY	$49.00K 226.67% YoY	$29.00K 107.14% YoY	$111.0K 76.19% YoY	$45.00K 350.0% YoY	$15.00K -16.67% YoY	$14.00K -12.5% YoY	$63.00K -113.58% YoY	$10.00K -16.67% YoY	$18.00K -25.0% YoY	$16.00K -15.79% YoY	-$464.0K -243.65% YoY	$12.00K -100.95% YoY	$24.00K -102.43% YoY	$19.00K -91.4% YoY	$323.0K -19.25% YoY	-$1.268M N/A
Net Earnings	-$6.646M 171.6% YoY	$18.64M -776.44% YoY	$31.81M -570.63% YoY	$5.607M -110.29% YoY	-$2.447M -96.21% YoY	-$2.755M -93.5% YoY	-$6.758M -83.24% YoY	-$54.47M 93.4% YoY	-$64.60M -50.02% YoY	-$42.40M -23.28% YoY	-$40.32M -28.29% YoY	-$28.17M -5.71% YoY	-$129.3M -495.37% YoY	-$55.26M -193.76% YoY	-$56.22M -293.12% YoY	-$29.87M -180.12% YoY	$32.69M 223.62% YoY	$58.94M 5794.4% YoY	$29.11M 201.1% YoY
Basic Earnings Per Share	-$0.07 133.33% YoY	N/A	$0.33 -571.43% YoY	$0.06 -109.68% YoY	-$0.03 -95.95% YoY	N/A	-$0.07 -85.42% YoY	-$0.62 82.35% YoY	-$0.74 -53.16% YoY	N/A	-$0.48 -30.43% YoY	-$0.34 -5.56% YoY	-$1.58 -505.13% YoY	N/A	-$0.69 -286.49% YoY	-$0.36 -173.47% YoY	$0.39 178.57% YoY	N/A	$0.37 208.33% YoY
Diluted Earnings Per Share	-$0.07 133.33% YoY	$0.17 -748.03% YoY	$0.23 -428.57% YoY	$0.05 -108.06% YoY	-$0.03 -95.95% YoY	-$0.03 -94.87% YoY	-$0.07 -85.42% YoY	-$0.62 82.35% YoY	-$0.74 -53.16% YoY	-$0.50 -27.05% YoY	-$0.48 -30.43% YoY	-$0.34 -5.56% YoY	-$1.58 -564.71% YoY	-$0.68 -100.0% YoY	-$0.69 -330.0% YoY	-$0.36 -192.31% YoY	$0.34 209.09% YoY	$610.2K 4391.22% YoY	$0.30 200.0% YoY
COMMON SHARES	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Basic Shares Outstanding	98.06M shares 4.64% YoY	97.29M shares 6.64% YoY	96.22M shares 7.49% YoY	95.14M shares 8.27% YoY	93.71M shares 8.42% YoY	91.23M shares 7.25% YoY	89.51M shares 6.71% YoY	87.88M shares 6.3% YoY	86.43M shares 6.2% YoY	85.06M shares 3.88% YoY	83.89M shares 3.12% YoY	82.67M shares -1.39% YoY	81.39M shares -3.38% YoY	81.88M shares -0.1% YoY	81.35M shares 2.46% YoY	83.83M shares 9.34% YoY	84.23M shares 14.4% YoY	81.96M shares N/A	79.39M shares 439.8% YoY
Diluted Shares Outstanding	96.90M shares 2.79% YoY	N/A	109.7M shares 21.75% YoY	102.9M shares 16.3% YoY	94.27M shares 8.32% YoY	N/A	90.12M shares 6.77% YoY	88.44M shares 6.38% YoY	87.03M shares 6.25% YoY	N/A	84.40M shares 3.35% YoY	83.13M shares -0.84% YoY	81.91M shares -14.19% YoY	N/A	81.67M shares -14.98% YoY	83.83M shares -11.57% YoY	95.46M shares 4.38% YoY	N/A	96.06M shares 259.15% YoY

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