$UPST
Upstart Holdings, Inc. Stock $upst

$upst Overview Financials Valuation SEC Filings Company Website

2021 Q4 Form 10-K Financial Statement

#000164763922000009 Filed on February 18, 2022

Income Statement

Concept	2021 Q4	2021	2020 Q4
Revenue	$287.4M	$848.6M	$84.40M
YoY Change	240.51%	263.55%	38.13%
Cost Of Revenue	$41.05M	$117.6M	$12.80M
YoY Change	220.7%	212.71%	52.38%
Gross Profit	$246.3M	$683.7M	$71.60M
YoY Change	244.05%	257.96%	35.61%
Gross Profit Margin	85.72%	80.57%	84.83%
Selling, General & Admin	$156.9M	$456.1M	$49.40M
YoY Change	217.59%	213.99%	13.82%
% of Gross Profit	63.69%	66.72%	68.99%
Research & Development	$46.50M	$134.0M	$14.20M
YoY Change	227.43%	245.34%	94.52%
% of Gross Profit	18.87%	19.6%	19.83%
Depreciation & Amortization	$2.557M	$7.541M	$650.0K
YoY Change	293.38%	231.04%	44.44%
% of Gross Profit	1.04%	1.1%	0.91%
Operating Expenses	$203.4M	$707.7M	$63.50M
YoY Change	220.29%	219.29%	25.25%
Operating Profit	$42.95M	$140.9M	$8.100M
YoY Change	430.28%	1097.46%	285.71%
Interest Expense	$17.46M	$3.274M	$2.300M
YoY Change	659.17%	-59.21%
% of Operating Profit	40.65%	2.32%	28.4%
Other Income/Expense, Net	-$1.147M	-$5.174M	-$9.000M
YoY Change	-87.26%	-193.24%	-421.43%
Pretax Income	$59.27M	$133.7M	$1.400M
YoY Change	4133.36%	2128.33%	-71.43%
Income Tax	$323.0K	-$1.712M	$400.0K
% Of Pretax Income	0.54%	-1.28%	28.57%
Net Earnings	$58.94M	$135.4M	$1.000M
YoY Change	5794.4%	2163.8%	-83.61%
Net Earnings / Revenue	20.51%	15.96%	1.18%
Basic Earnings Per Share		$1.73
Diluted Earnings Per Share	$610.2K	$1.43	$13.59K
COMMON SHARES
Basic Shares Outstanding	81.96M shares	78.11M shares
Diluted Shares Outstanding		94.77M shares

Balance Sheet

Concept	2021 Q4	2021	2020 Q4
SHORT-TERM ASSETS
Cash & Short-Term Investments	$986.6M	$986.6M	$250.8M
YoY Change	293.38%	293.38%
Cash & Equivalents	$1.191B		$311.3M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets	$1.042B	$1.042B	$262.5M
YoY Change	297.0%	297.0%
LONG-TERM ASSETS
Property, Plant & Equipment	$24.26M	$120.4M	$10.03M
YoY Change	141.82%	325.36%
Goodwill	$67.06M		$0.00
YoY Change
Intangibles	$19.91M		$0.00
YoY Change
Long-Term Investments	$40.00M	$40.00M
YoY Change
Other Assets	$234.6M	$234.6M	$66.50M
YoY Change	252.85%	252.85%
Total Long-Term Assets	$778.3M	$778.3M	$214.8M
YoY Change	262.43%	262.35%
TOTAL ASSETS
Total Short-Term Assets	$1.042B	$1.042B	$262.5M
Total Long-Term Assets	$778.3M	$778.3M	$214.8M
Total Assets	$1.820B	$1.820B	$477.3M
YoY Change	281.44%	281.41%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable	$114.2M	$114.2M	$59.30M
YoY Change	92.51%	92.51%
Accrued Expenses	$185.9M	$185.9M	$44.20M
YoY Change	320.51%	320.51%
Deferred Revenue
YoY Change
Short-Term Debt	$0.00	$0.00	$0.00
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$300.0M	$300.0M	$103.5M
YoY Change	189.88%	189.88%
LONG-TERM LIABILITIES
Long-Term Debt	$695.4M	$695.4M	$62.60M
YoY Change	1010.91%	1010.91%
Other Long-Term Liabilities	$17.92M	$17.92M	$10.90M
YoY Change	64.39%	64.39%
Total Long-Term Liabilities	$713.4M	$713.4M	$73.50M
YoY Change	870.54%	870.54%
TOTAL LIABILITIES
Total Short-Term Liabilities	$300.0M	$300.0M	$103.5M
Total Long-Term Liabilities	$713.4M	$713.4M	$73.50M
Total Liabilities	$1.013B	$1.013B	$177.0M
YoY Change	472.52%	472.53%
SHAREHOLDERS EQUITY
Retained Earnings	$66.22M		-$69.22M
YoY Change	-195.66%
Common Stock	$8.000K		$7.000K
YoY Change	14.29%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity	$807.1M	$807.1M	$300.3M
YoY Change
Total Liabilities & Shareholders Equity	$1.820B	$1.820B	$477.3M
YoY Change	281.44%	281.41%

Cashflow Statement

Concept	2021 Q4	2021	2020 Q4
OPERATING ACTIVITIES
Net Income	$58.94M	$135.4M	$1.000M
YoY Change	5794.4%	2163.8%	-83.61%
Depreciation, Depletion And Amortization	$2.557M	$7.541M	$650.0K
YoY Change	293.38%	231.04%	44.44%
Cash From Operating Activities	-$11.14M	$168.4M	$68.52M
YoY Change	-116.26%	972.52%	549.48%
INVESTING ACTIVITIES
Capital Expenditures	-$5.683M	$8.427M	-$1.360M
YoY Change	317.87%	521.92%	-66.08%
Acquisitions		$16.76M
YoY Change
Other Investing Activities	-$14.09M	-$128.8M	$10.16M
YoY Change	-238.71%	-190.6%	-349.02%
Cash From Investing Activities	-$19.78M	-$143.9M	$8.810M
YoY Change	-324.47%	-205.39%	-208.9%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net		$263.9M
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities	50.40M	$855.4M	123.4M
YoY Change	-59.14%	982.11%	-649.24%
NET CHANGE
Cash From Operating Activities	-11.14M	$168.4M	68.52M
Cash From Investing Activities	-19.78M	-$143.9M	8.810M
Cash From Financing Activities	50.40M	$855.4M	123.4M
Net Change In Cash	19.48M	$879.9M	200.7M
YoY Change	-90.29%	280.47%	-1103.45%
FREE CASH FLOW
Cash From Operating Activities	-$11.14M	$168.4M	$68.52M
Capital Expenditures	-$5.683M	$8.427M	-$1.360M
Free Cash Flow	-$5.461M	$159.9M	$69.88M
YoY Change	-107.81%	1015.09%	379.95%

Facts In Submission

Frame	Concept Type	Concept / XBRL Key	Value	Unit
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CY2021	dei	Entity File Number EntityFileNumber	001-39797
CY2021	dei	Document Fiscal Year Focus DocumentFiscalYearFocus	2021
CY2021	dei	Document Fiscal Period Focus DocumentFiscalPeriodFocus	FY
CY2021	dei	Entity Central Index Key EntityCentralIndexKey	0001647639
CY2021	dei	Document Type DocumentType	10-K
CY2021	dei	Document Annual Report DocumentAnnualReport	true
CY2021	dei	Document Period End Date DocumentPeriodEndDate	2021-12-31
CY2021	dei	Current Fiscal Year End Date CurrentFiscalYearEndDate	--12-31
CY2021	dei	Document Transition Report DocumentTransitionReport	false
CY2021	dei	Entity Registrant Name EntityRegistrantName	Upstart Holdings, Inc.
CY2021	dei	Entity Incorporation State Country Code EntityIncorporationStateCountryCode	DE
CY2021	dei	Entity Tax Identification Number EntityTaxIdentificationNumber	46-4332431
CY2021	dei	Entity Address Address Line1 EntityAddressAddressLine1	2950 S. Delaware Street
CY2021	dei	Entity Address Address Line2 EntityAddressAddressLine2	Suite 300
CY2021	dei	Entity Address City Or Town EntityAddressCityOrTown	San Mateo
CY2021	dei	Entity Address State Or Province EntityAddressStateOrProvince	CA
CY2021	dei	Entity Current Reporting Status EntityCurrentReportingStatus	Yes
CY2021	dei	Entity Address Postal Zip Code EntityAddressPostalZipCode	94403
CY2021	dei	City Area Code CityAreaCode	650
CY2021	dei	Local Phone Number LocalPhoneNumber	204-1000
CY2021	dei	Security12b Title Security12bTitle	Common Stock, par value $0.0001 per share
CY2021	dei	Trading Symbol TradingSymbol	UPST
CY2021	dei	Security Exchange Name SecurityExchangeName	NASDAQ
CY2021	dei	Entity Well Known Seasoned Issuer EntityWellKnownSeasonedIssuer	Yes
CY2021	dei	Entity Voluntary Filers EntityVoluntaryFilers	No
CY2021	dei	Entity Interactive Data Current EntityInteractiveDataCurrent	Yes
CY2021	dei	Entity Filer Category EntityFilerCategory	Large Accelerated Filer
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CY2021	dei	Auditor Firm AuditorFirmId	34
CY2021	dei	Auditor Name AuditorName	Deloitte & Touche LLP
CY2021	dei	Auditor Location AuditorLocation	San Francisco, California
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CY2020	upst	Exercise Of Convertible Preferred Stock Warrant Value ExerciseOfConvertiblePreferredStockWarrantValue	12183000	USD
CY2020	us-gaap	Adjustments To Additional Paid In Capital Share Based Compensation Stock Options Requisite Service Period Recognition AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationStockOptionsRequisiteServicePeriodRecognition	12005000	USD
CY2020	upst	Exercise Of Common Stock Warrants Value ExerciseOfCommonStockWarrantsValue	2971000	USD
CY2020	upst	Reclass Of Warrant Liability Upon Termination Of Repurchase Obligation ReclassOfWarrantLiabilityUponTerminationOfRepurchaseObligation	2945000	USD
CY2020	upst	Apic Incentive Share Expense Increase For Cost Recognition APICIncentiveShareExpenseIncreaseForCostRecognition	787000	USD
CY2020Q4	us-gaap	Temporary Equity Shares Outstanding TemporaryEquitySharesOutstanding	0	shares
CY2020Q4	us-gaap	Temporary Equity Carrying Amount Including Portion Attributable To Noncontrolling Interests TemporaryEquityCarryingAmountIncludingPortionAttributableToNoncontrollingInterests	0	USD
CY2020Q4	us-gaap	Stockholders Equity Including Portion Attributable To Noncontrolling Interest StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest	300252000	USD
CY2021	us-gaap	Stock Issued During Period Value Stock Options Exercised StockIssuedDuringPeriodValueStockOptionsExercised	14736000	USD
CY2021	us-gaap	Adjustments To Additional Paid In Capital Share Based Compensation Stock Options Requisite Service Period Recognition AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationStockOptionsRequisiteServicePeriodRecognition	76327000	USD
CY2021	us-gaap	Adjustments Related To Tax Withholding For Share Based Compensation AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation	236000	USD
CY2021	us-gaap	Stock Issued During Period Shares Acquisitions StockIssuedDuringPeriodSharesAcquisitions	650740000	shares
CY2021	us-gaap	Stock Issued During Period Value Acquisitions StockIssuedDuringPeriodValueAcquisitions	71003000	USD
CY2021	us-gaap	Stock Issued During Period Value Acquisitions StockIssuedDuringPeriodValueAcquisitions	71003000	USD
CY2021	us-gaap	Stock Issued During Period Value Acquisitions StockIssuedDuringPeriodValueAcquisitions	71003000	USD
CY2021	us-gaap	Stock Issued During Period Value New Issues StockIssuedDuringPeriodValueNewIssues	263931000	USD
CY2021	us-gaap	Stock Issued During Period Value Employee Stock Purchase Plan StockIssuedDuringPeriodValueEmployeeStockPurchasePlan	4145000	USD
CY2021	upst	Adjustments To Additional Paid In Capital Purchase Of Capped Call Transactions AdjustmentsToAdditionalPaidInCapitalPurchaseOfCappedCallTransactions	58523000	USD
CY2021	us-gaap	Profit Loss ProfitLoss	135443000	USD
CY2021Q4	us-gaap	Temporary Equity Shares Outstanding TemporaryEquitySharesOutstanding	0	shares
CY2021Q4	us-gaap	Temporary Equity Carrying Amount Including Portion Attributable To Noncontrolling Interests TemporaryEquityCarryingAmountIncludingPortionAttributableToNoncontrollingInterests	0	USD
CY2021Q4	us-gaap	Stockholders Equity Including Portion Attributable To Noncontrolling Interest StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest	807078000	USD
CY2019	us-gaap	Profit Loss ProfitLoss	-5020000	USD
CY2020	us-gaap	Profit Loss ProfitLoss	5579000	USD
CY2021	us-gaap	Profit Loss ProfitLoss	135443000	USD
CY2019	us-gaap	Increase Decrease In Financial Instruments Used In Operating Activities IncreaseDecreaseInFinancialInstrumentsUsedInOperatingActivities	-34716000	USD
CY2020	us-gaap	Increase Decrease In Financial Instruments Used In Operating Activities IncreaseDecreaseInFinancialInstrumentsUsedInOperatingActivities	-29049000	USD
CY2021	us-gaap	Increase Decrease In Financial Instruments Used In Operating Activities IncreaseDecreaseInFinancialInstrumentsUsedInOperatingActivities	228000	USD
CY2019	us-gaap	Share Based Compensation ShareBasedCompensation	3806000	USD
CY2020	us-gaap	Share Based Compensation ShareBasedCompensation	11513000	USD
CY2021	us-gaap	Share Based Compensation ShareBasedCompensation	73186000	USD
CY2019	upst	Gain Loss On Loan Servicing Arrangements And Sale Of Noncontrolling Interests Net GainLossOnLoanServicingArrangementsAndSaleOfNoncontrollingInterestsNet	-856000	USD
CY2020	upst	Gain Loss On Loan Servicing Arrangements And Sale Of Noncontrolling Interests Net GainLossOnLoanServicingArrangementsAndSaleOfNoncontrollingInterestsNet	1530000	USD
CY2021	upst	Gain Loss On Loan Servicing Arrangements And Sale Of Noncontrolling Interests Net GainLossOnLoanServicingArrangementsAndSaleOfNoncontrollingInterestsNet	6916000	USD
CY2019	us-gaap	Depreciation Depletion And Amortization DepreciationDepletionAndAmortization	774000	USD
CY2020	us-gaap	Depreciation Depletion And Amortization DepreciationDepletionAndAmortization	2278000	USD
CY2021	us-gaap	Depreciation Depletion And Amortization DepreciationDepletionAndAmortization	7541000	USD
CY2019	us-gaap	Incentive Fee Expense IncentiveFeeExpense	0	USD
CY2020	us-gaap	Incentive Fee Expense IncentiveFeeExpense	787000	USD
CY2021	us-gaap	Incentive Fee Expense IncentiveFeeExpense	0	USD
CY2019	us-gaap	Other Noncash Income Expense OtherNoncashIncomeExpense	-74000	USD
CY2020	us-gaap	Other Noncash Income Expense OtherNoncashIncomeExpense	-73000	USD
CY2021	us-gaap	Other Noncash Income Expense OtherNoncashIncomeExpense	-1983000	USD
CY2019	upst	Gain Loss On Repurchased And Retired Convertible Preferred Stock Warrants GainLossOnRepurchasedAndRetiredConvertiblePreferredStockWarrants	3657000	USD
CY2020	upst	Gain Loss On Repurchased And Retired Convertible Preferred Stock Warrants GainLossOnRepurchasedAndRetiredConvertiblePreferredStockWarrants	0	USD
CY2021	upst	Gain Loss On Repurchased And Retired Convertible Preferred Stock Warrants GainLossOnRepurchasedAndRetiredConvertiblePreferredStockWarrants	0	USD
CY2019	upst	Purchase Of Loans For Immediate Resale PurchaseOfLoansForImmediateResale	1779180000	USD
CY2020	upst	Purchase Of Loans For Immediate Resale PurchaseOfLoansForImmediateResale	2540948000	USD
CY2021	upst	Purchase Of Loans For Immediate Resale PurchaseOfLoansForImmediateResale	8713476000	USD
CY2019	upst	Proceeds From Immediate Resale Of Loans ProceedsFromImmediateResaleOfLoans	1779180000	USD
CY2020	upst	Proceeds From Immediate Resale Of Loans ProceedsFromImmediateResaleOfLoans	2540948000	USD
CY2021	upst	Proceeds From Immediate Resale Of Loans ProceedsFromImmediateResaleOfLoans	8713476000	USD
CY2019	us-gaap	Payments To Purchase Loans Held For Sale PaymentsToPurchaseLoansHeldForSale	0	USD
CY2020	us-gaap	Payments To Purchase Loans Held For Sale PaymentsToPurchaseLoansHeldForSale	116127000	USD
CY2021	us-gaap	Payments To Purchase Loans Held For Sale PaymentsToPurchaseLoansHeldForSale	219128000	USD
CY2019	us-gaap	Proceeds From Collection Of Loans Held For Sale ProceedsFromCollectionOfLoansHeldForSale	0	USD
CY2020	us-gaap	Proceeds From Collection Of Loans Held For Sale ProceedsFromCollectionOfLoansHeldForSale	18218000	USD
CY2021	us-gaap	Proceeds From Collection Of Loans Held For Sale ProceedsFromCollectionOfLoansHeldForSale	8659000	USD
CY2019	us-gaap	Proceeds From Sale Of Loans Held For Sale ProceedsFromSaleOfLoansHeldForSale	0	USD
CY2020	us-gaap	Proceeds From Sale Of Loans Held For Sale ProceedsFromSaleOfLoansHeldForSale	47604000	USD
CY2021	us-gaap	Proceeds From Sale Of Loans Held For Sale ProceedsFromSaleOfLoansHeldForSale	112569000	USD
CY2019	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	11957000	USD
CY2020	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	13186000	USD
CY2021	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	62042000	USD
CY2019	upst	Increase Decrease In Operating Lease Liability And Right Of Use Asset IncreaseDecreaseInOperatingLeaseLiabilityAndRightOfUseAsset	871000	USD
CY2020	upst	Increase Decrease In Operating Lease Liability And Right Of Use Asset IncreaseDecreaseInOperatingLeaseLiabilityAndRightOfUseAsset	251000	USD
CY2021	upst	Increase Decrease In Operating Lease Liability And Right Of Use Asset IncreaseDecreaseInOperatingLeaseLiabilityAndRightOfUseAsset	3126000	USD
CY2019	us-gaap	Increase Decrease In Accounts Payable Trade IncreaseDecreaseInAccountsPayableTrade	3613000	USD
CY2020	us-gaap	Increase Decrease In Accounts Payable Trade IncreaseDecreaseInAccountsPayableTrade	7033000	USD
CY2020	upst	Proceeds From Principal Repayments On Loans Held By Consolidated Securitizations ProceedsFromPrincipalRepaymentsOnLoansHeldByConsolidatedSecuritizations	24018000	USD
CY2021	upst	Proceeds From Principal Repayments On Loans Held By Consolidated Securitizations ProceedsFromPrincipalRepaymentsOnLoansHeldByConsolidatedSecuritizations	0	USD
CY2021	us-gaap	Increase Decrease In Accounts Payable Trade IncreaseDecreaseInAccountsPayableTrade	-7513000	USD
CY2019	upst	Increase Decrease In Payable To Investors IncreaseDecreaseInPayableToInvestors	-14875000	USD
CY2020	upst	Increase Decrease In Payable To Investors IncreaseDecreaseInPayableToInvestors	19446000	USD
CY2021	upst	Increase Decrease In Payable To Investors IncreaseDecreaseInPayableToInvestors	62097000	USD
CY2019	us-gaap	Increase Decrease In Accrued Liabilities And Other Operating Liabilities IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities	22381000	USD
CY2020	us-gaap	Increase Decrease In Accrued Liabilities And Other Operating Liabilities IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities	4709000	USD
CY2021	us-gaap	Increase Decrease In Accrued Liabilities And Other Operating Liabilities IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities	59576000	USD
CY2019	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	31582000	USD
CY2020	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	15697000	USD
CY2021	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	168353000	USD
CY2019	upst	Proceeds From Principal Repayments On Loans Held By Consolidated Securitizations ProceedsFromPrincipalRepaymentsOnLoansHeldByConsolidatedSecuritizations	158921000	USD
CY2019	us-gaap	Proceeds From Sale Of Loans Held For Investment ProceedsFromSaleOfLoansHeldForInvestment	100678000	USD
CY2020	us-gaap	Proceeds From Sale Of Loans Held For Investment ProceedsFromSaleOfLoansHeldForInvestment	97340000	USD
CY2021	us-gaap	Proceeds From Sale Of Loans Held For Investment ProceedsFromSaleOfLoansHeldForInvestment	51403000	USD
CY2019	us-gaap	Proceeds From Principal Repayments On Loans And Leases Held For Investment ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment	48124000	USD
CY2020	us-gaap	Proceeds From Principal Repayments On Loans And Leases Held For Investment ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment	15758000	USD
CY2021	us-gaap	Proceeds From Principal Repayments On Loans And Leases Held For Investment ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment	24532000	USD
CY2019	us-gaap	Proceeds From Collection Of Notes Receivable ProceedsFromCollectionOfNotesReceivable	8760000	USD
CY2020	us-gaap	Proceeds From Collection Of Notes Receivable ProceedsFromCollectionOfNotesReceivable	14665000	USD
CY2021	us-gaap	Proceeds From Collection Of Notes Receivable ProceedsFromCollectionOfNotesReceivable	11458000	USD
CY2019	us-gaap	Payments To Acquire Loans Held For Investment PaymentsToAcquireLoansHeldForInvestment	265286000	USD
CY2020	us-gaap	Payments To Acquire Loans Held For Investment PaymentsToAcquireLoansHeldForInvestment	9655000	USD
CY2021	us-gaap	Payments To Acquire Loans Held For Investment PaymentsToAcquireLoansHeldForInvestment	159398000	USD
CY2019	us-gaap	Payments To Acquire Other Investments PaymentsToAcquireOtherInvestments	0	USD
CY2020	us-gaap	Payments To Acquire Other Investments PaymentsToAcquireOtherInvestments	0	USD
CY2021	us-gaap	Payments To Acquire Other Investments PaymentsToAcquireOtherInvestments	40000000	USD
CY2019	us-gaap	Payments To Acquire Notes Receivable PaymentsToAcquireNotesReceivable	485000	USD
CY2020	us-gaap	Payments To Acquire Notes Receivable PaymentsToAcquireNotesReceivable	4000	USD
CY2021	us-gaap	Payments To Acquire Notes Receivable PaymentsToAcquireNotesReceivable	0	USD
CY2019	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	4004000	USD
CY2020	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	1355000	USD
CY2021	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	8427000	USD
CY2019	us-gaap	Payments For Software PaymentsForSoftware	1275000	USD
CY2020	us-gaap	Payments For Software PaymentsForSoftware	4250000	USD
CY2021	us-gaap	Payments For Software PaymentsForSoftware	6688000	USD
CY2019	us-gaap	Payments To Acquire Businesses Net Of Cash Acquired PaymentsToAcquireBusinessesNetOfCashAcquired	0	USD
CY2020	us-gaap	Payments To Acquire Businesses Net Of Cash Acquired PaymentsToAcquireBusinessesNetOfCashAcquired	0	USD
CY2021	us-gaap	Payments To Acquire Businesses Net Of Cash Acquired PaymentsToAcquireBusinessesNetOfCashAcquired	16757000	USD
CY2019	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	45433000	USD
CY2020	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	136517000	USD
CY2021	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-143877000	USD
CY2019	us-gaap	Proceeds From Issuance Initial Public Offering ProceedsFromIssuanceInitialPublicOffering	0	USD
CY2020	us-gaap	Proceeds From Issuance Initial Public Offering ProceedsFromIssuanceInitialPublicOffering	159488000	USD
CY2021	us-gaap	Proceeds From Issuance Initial Public Offering ProceedsFromIssuanceInitialPublicOffering	0	USD
CY2019	us-gaap	Proceeds From Issuance Of Common Stock ProceedsFromIssuanceOfCommonStock	0	USD
CY2020	us-gaap	Proceeds From Issuance Of Common Stock ProceedsFromIssuanceOfCommonStock	0	USD
CY2021	us-gaap	Proceeds From Issuance Of Common Stock ProceedsFromIssuanceOfCommonStock	263931000	USD
CY2019	us-gaap	Proceeds From Issuance Of Debt ProceedsFromIssuanceOfDebt	153491000	USD
CY2020	us-gaap	Proceeds From Issuance Of Debt ProceedsFromIssuanceOfDebt	92057000	USD
CY2021	us-gaap	Proceeds From Issuance Of Debt ProceedsFromIssuanceOfDebt	718422000	USD
CY2019	us-gaap	Payments Of Debt Issuance Costs PaymentsOfDebtIssuanceCosts	0	USD
CY2020	us-gaap	Payments Of Debt Issuance Costs PaymentsOfDebtIssuanceCosts	0	USD
CY2021	us-gaap	Payments Of Debt Issuance Costs PaymentsOfDebtIssuanceCosts	15727000	USD
CY2019	upst	Payments For Capped Calls PaymentsForCappedCalls	0	USD
CY2020	upst	Payments For Capped Calls PaymentsForCappedCalls	0	USD
CY2021	upst	Payments For Capped Calls PaymentsForCappedCalls	58523000	USD
CY2019	us-gaap	Payments Related To Tax Withholding For Share Based Compensation PaymentsRelatedToTaxWithholdingForShareBasedCompensation	0	USD
CY2020	us-gaap	Payments Related To Tax Withholding For Share Based Compensation PaymentsRelatedToTaxWithholdingForShareBasedCompensation	0	USD
CY2021	us-gaap	Payments Related To Tax Withholding For Share Based Compensation PaymentsRelatedToTaxWithholdingForShareBasedCompensation	236000	USD
CY2019	upst	Payments Made On Securitization Notes And Certificates PaymentsMadeOnSecuritizationNotesAndCertificates	176742000	USD
CY2020	upst	Payments Made On Securitization Notes And Certificates PaymentsMadeOnSecuritizationNotesAndCertificates	26126000	USD
CY2021	upst	Payments Made On Securitization Notes And Certificates PaymentsMadeOnSecuritizationNotesAndCertificates	0	USD
CY2019	us-gaap	Repayments Of Debt RepaymentsOfDebt	109939000	USD
CY2020	us-gaap	Repayments Of Debt RepaymentsOfDebt	148113000	USD
CY2021	us-gaap	Repayments Of Debt RepaymentsOfDebt	71316000	USD
CY2019	us-gaap	Repayments Of Notes Payable RepaymentsOfNotesPayable	22637000	USD
CY2020	us-gaap	Repayments Of Notes Payable RepaymentsOfNotesPayable	0	USD
CY2021	us-gaap	Repayments Of Notes Payable RepaymentsOfNotesPayable	0	USD
CY2019	us-gaap	Payments To Minority Shareholders PaymentsToMinorityShareholders	4960000	USD
CY2020	us-gaap	Payments To Minority Shareholders PaymentsToMinorityShareholders	622000	USD
CY2021	us-gaap	Payments To Minority Shareholders PaymentsToMinorityShareholders	0	USD
CY2019	upst	Payment For Repurchase Of Convertible Preferred Stock Warrants PaymentForRepurchaseOfConvertiblePreferredStockWarrants	1426000	USD
CY2020	upst	Payment For Repurchase Of Convertible Preferred Stock Warrants PaymentForRepurchaseOfConvertiblePreferredStockWarrants	0	USD
CY2021	upst	Payment For Repurchase Of Convertible Preferred Stock Warrants PaymentForRepurchaseOfConvertiblePreferredStockWarrants	0	USD
CY2019	us-gaap	Payments For Repurchase Of Convertible Preferred Stock PaymentsForRepurchaseOfConvertiblePreferredStock	661000	USD
CY2020	us-gaap	Payments For Repurchase Of Convertible Preferred Stock PaymentsForRepurchaseOfConvertiblePreferredStock	0	USD
CY2021	us-gaap	Payments For Repurchase Of Convertible Preferred Stock PaymentsForRepurchaseOfConvertiblePreferredStock	0	USD
CY2019	us-gaap	Proceeds From Notes Payable ProceedsFromNotesPayable	39863000	USD
CY2020	us-gaap	Proceeds From Notes Payable ProceedsFromNotesPayable	0	USD
CY2021	us-gaap	Proceeds From Notes Payable ProceedsFromNotesPayable	0	USD
CY2019	us-gaap	Proceeds From Issuance Of Convertible Preferred Stock ProceedsFromIssuanceOfConvertiblePreferredStock	1912000	USD
CY2020	us-gaap	Proceeds From Issuance Of Convertible Preferred Stock ProceedsFromIssuanceOfConvertiblePreferredStock	0	USD
CY2021	us-gaap	Proceeds From Issuance Of Convertible Preferred Stock ProceedsFromIssuanceOfConvertiblePreferredStock	0	USD
CY2019	us-gaap	Proceeds From Warrant Exercises ProceedsFromWarrantExercises	1631000	USD
CY2020	us-gaap	Proceeds From Warrant Exercises ProceedsFromWarrantExercises	6000	USD
CY2021	us-gaap	Proceeds From Warrant Exercises ProceedsFromWarrantExercises	0	USD
CY2019	us-gaap	Proceeds From Issuance Of Shares Under Incentive And Share Based Compensation Plans ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlans	0	USD
CY2020	us-gaap	Proceeds From Issuance Of Shares Under Incentive And Share Based Compensation Plans ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlans	0	USD
CY2021	us-gaap	Proceeds From Issuance Of Shares Under Incentive And Share Based Compensation Plans ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlans	4145000	USD
CY2019	us-gaap	Proceeds From Stock Options Exercised ProceedsFromStockOptionsExercised	278000	USD
CY2020	us-gaap	Proceeds From Stock Options Exercised ProceedsFromStockOptionsExercised	2362000	USD
CY2021	us-gaap	Proceeds From Stock Options Exercised ProceedsFromStockOptionsExercised	14736000	USD
CY2019	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	-119190000	USD
CY2020	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	79052000	USD
CY2021	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	855432000	USD
CY2019	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect	-42175000	USD
CY2020	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect	231266000	USD
CY2021	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect	879908000	USD
CY2018Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	122242000	USD
CY2019Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	80067000	USD
CY2020Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	311333000	USD
CY2019Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	80067000	USD
CY2020Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	311333000	USD
CY2021Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	1191241000	USD
CY2019	us-gaap	Interest Paid Net InterestPaidNet	26871000	USD
CY2020	us-gaap	Interest Paid Net InterestPaidNet	8028000	USD
CY2021	us-gaap	Interest Paid Net InterestPaidNet	3274000	USD
CY2019	us-gaap	Income Taxes Paid IncomeTaxesPaid	0	USD
CY2020	us-gaap	Income Taxes Paid IncomeTaxesPaid	0	USD
CY2021	us-gaap	Income Taxes Paid IncomeTaxesPaid	2300000	USD
CY2019	upst	Reclassification Of Common Stock Warrant Liability Related To Cashless Exercise ReclassificationOfCommonStockWarrantLiabilityRelatedToCashlessExercise	0	USD
CY2020	upst	Reclassification Of Common Stock Warrant Liability Related To Cashless Exercise ReclassificationOfCommonStockWarrantLiabilityRelatedToCashlessExercise	2971000	USD
CY2021	upst	Reclassification Of Common Stock Warrant Liability Related To Cashless Exercise ReclassificationOfCommonStockWarrantLiabilityRelatedToCashlessExercise	0	USD
CY2019	upst	Reclassification Of Preferred Stock Warrant Liability Related To Cashless Exercise ReclassificationOfPreferredStockWarrantLiabilityRelatedToCashlessExercise	0	USD
CY2020	upst	Reclassification Of Preferred Stock Warrant Liability Related To Cashless Exercise ReclassificationOfPreferredStockWarrantLiabilityRelatedToCashlessExercise	12177000	USD
CY2021	upst	Reclassification Of Preferred Stock Warrant Liability Related To Cashless Exercise ReclassificationOfPreferredStockWarrantLiabilityRelatedToCashlessExercise	0	USD
CY2019	upst	Reclassification Of Common Stock Warrant Liability To Equity Upon Termination Of Repurchase Option ReclassificationOfCommonStockWarrantLiabilityToEquityUponTerminationOfRepurchaseOption	0	USD
CY2020	upst	Reclassification Of Common Stock Warrant Liability To Equity Upon Termination Of Repurchase Option ReclassificationOfCommonStockWarrantLiabilityToEquityUponTerminationOfRepurchaseOption	2945000	USD
CY2021	upst	Reclassification Of Common Stock Warrant Liability To Equity Upon Termination Of Repurchase Option ReclassificationOfCommonStockWarrantLiabilityToEquityUponTerminationOfRepurchaseOption	0	USD
CY2019	us-gaap	Business Combination Consideration Transferred Equity Interests Issued And Issuable BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable	0	USD
CY2020	us-gaap	Business Combination Consideration Transferred Equity Interests Issued And Issuable BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable	0	USD
CY2021	us-gaap	Business Combination Consideration Transferred Equity Interests Issued And Issuable BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable	80256000	USD
CY2019	upst	Derecognition Of Loans Held For Investment In Consolidated Vie DerecognitionOfLoansHeldForInvestmentInConsolidatedVIE	154864000	USD
CY2020	upst	Derecognition Of Loans Held For Investment In Consolidated Vie DerecognitionOfLoansHeldForInvestmentInConsolidatedVIE	57222000	USD
CY2021	upst	Derecognition Of Loans Held For Investment In Consolidated Vie DerecognitionOfLoansHeldForInvestmentInConsolidatedVIE	0	USD
CY2019	upst	Derecognition Of Payable To Securitization Note Holders And Residual Certificate Holders DerecognitionOfPayableToSecuritizationNoteHoldersAndResidualCertificateHolders	80825000	USD
CY2020	upst	Derecognition Of Payable To Securitization Note Holders And Residual Certificate Holders DerecognitionOfPayableToSecuritizationNoteHoldersAndResidualCertificateHolders	58017000	USD
CY2021	upst	Derecognition Of Payable To Securitization Note Holders And Residual Certificate Holders DerecognitionOfPayableToSecuritizationNoteHoldersAndResidualCertificateHolders	0	USD
CY2019	upst	Derecognition Of Notes Payable Held In Consolidated Vie DerecognitionOfNotesPayableHeldInConsolidatedVIE	69419000	USD
CY2020	upst	Derecognition Of Notes Payable Held In Consolidated Vie DerecognitionOfNotesPayableHeldInConsolidatedVIE	0	USD
CY2021	upst	Derecognition Of Notes Payable Held In Consolidated Vie DerecognitionOfNotesPayableHeldInConsolidatedVIE	0	USD
CY2019	upst	Securities Retained Under Unconsolidated Securitization Transactions SecuritiesRetainedUnderUnconsolidatedSecuritizationTransactions	31160000	USD
CY2020	upst	Securities Retained Under Unconsolidated Securitization Transactions SecuritiesRetainedUnderUnconsolidatedSecuritizationTransactions	0	USD
CY2021	upst	Securities Retained Under Unconsolidated Securitization Transactions SecuritiesRetainedUnderUnconsolidatedSecuritizationTransactions	0	USD
CY2019	upst	Transfer Of Notes Receivable And Residual Certificate On Deconsolidation Of Vie TransferOfNotesReceivableAndResidualCertificateOnDeconsolidationOfVIE	3699000	USD
CY2020	upst	Transfer Of Notes Receivable And Residual Certificate On Deconsolidation Of Vie TransferOfNotesReceivableAndResidualCertificateOnDeconsolidationOfVIE	0	USD
CY2021	upst	Transfer Of Notes Receivable And Residual Certificate On Deconsolidation Of Vie TransferOfNotesReceivableAndResidualCertificateOnDeconsolidationOfVIE	0	USD
CY2019	us-gaap	Employee Service Share Based Compensation Allocation Of Recognized Period Costs Capitalized Amount EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount	0	USD
CY2020	us-gaap	Employee Service Share Based Compensation Allocation Of Recognized Period Costs Capitalized Amount EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount	492000	USD
CY2021	us-gaap	Employee Service Share Based Compensation Allocation Of Recognized Period Costs Capitalized Amount EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount	3141000	USD
CY2021Q2	us-gaap	Sale Of Stock Price Per Share SaleOfStockPricePerShare	120.00
CY2021Q2	us-gaap	Sale Of Stock Consideration Received On Transaction SaleOfStockConsiderationReceivedOnTransaction	263900000	USD
CY2021Q2	us-gaap	Payments For Underwriting Expense PaymentsForUnderwritingExpense	11000000	USD
CY2021Q2	us-gaap	Payments Of Stock Issuance Costs PaymentsOfStockIssuanceCosts	1000000	USD
CY2021	us-gaap	Use Of Estimates UseOfEstimates	<div style="margin-top:12pt;text-align:justify;text-indent:36pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Use of Estimates</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:36pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The preparation of consolidated financial statements in conformity with GAAP requires that management make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting periods. </span></div>Significant estimates and assumptions made in the accompanying consolidated financial statements, which Management believes are critical in understanding and evaluating the Company’s reported financial results include: (i) fair value determinations; (ii) stock-based compensation; (iii) consolidation of VIEs; (iv) provision for income taxes, net of valuation allowance for deferred tax assets; and (v) the evaluation for impairment of goodwill and acquired intangible assets. The Company bases its estimates on various factors it believes to be reasonable under the circumstances. Actual results could differ from those estimates and such differences could affect the results of operations reported in future periods.
CY2020	us-gaap	Impairment Of Long Lived Assets Held For Use ImpairmentOfLongLivedAssetsHeldForUse	0	USD
CY2021	us-gaap	Impairment Of Long Lived Assets Held For Use ImpairmentOfLongLivedAssetsHeldForUse	0	USD
CY2021Q4	us-gaap	Equity Securities Without Readily Determinable Fair Value Amount EquitySecuritiesWithoutReadilyDeterminableFairValueAmount	40000000	USD
CY2020Q4	us-gaap	Equity Securities Without Readily Determinable Fair Value Amount EquitySecuritiesWithoutReadilyDeterminableFairValueAmount	0	USD
CY2020Q2	upst	Loan Payment Deferral Period Cares Act LoanPaymentDeferralPeriodCARESAct	P6M
CY2019	us-gaap	Revenue From Contract With Customer Excluding Assessed Tax RevenueFromContractWithCustomerExcludingAssessedTax	159847000	USD
CY2020	us-gaap	Revenue From Contract With Customer Excluding Assessed Tax RevenueFromContractWithCustomerExcludingAssessedTax	228600000	USD
CY2021	us-gaap	Revenue From Contract With Customer Excluding Assessed Tax RevenueFromContractWithCustomerExcludingAssessedTax	801275000	USD
CY2021	upst	Servicing Fees For Co Sponsored Securitization Transactions ServicingFeesForCoSponsoredSecuritizationTransactions	1100000	USD
CY2019	upst	Net Gain Loss Related To Loan Servicing Rights NetGainLossRelatedToLoanServicingRights	-857000	USD
CY2020	upst	Net Gain Loss Related To Loan Servicing Rights NetGainLossRelatedToLoanServicingRights	1530000	USD
CY2021	upst	Net Gain Loss Related To Loan Servicing Rights NetGainLossRelatedToLoanServicingRights	6916000	USD
CY2019	us-gaap	Interest And Dividend Income Operating InterestAndDividendIncomeOperating	63313000	USD
CY2020	us-gaap	Interest And Dividend Income Operating InterestAndDividendIncomeOperating	26408000	USD
CY2021Q4	us-gaap	Financing Receivable Accrued Interest After Allowance For Credit Loss FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss	2600000	USD
CY2021	us-gaap	Interest And Dividend Income Operating InterestAndDividendIncomeOperating	20634000	USD
CY2019	us-gaap	Interest Expense InterestExpense	26485000	USD
CY2020	us-gaap	Interest Expense InterestExpense	8026000	USD
CY2021	us-gaap	Interest Expense InterestExpense	3274000	USD
CY2019	upst	Fair Value And Other Adjustments Net FairValueAndOtherAdjustmentsNet	32486000	USD
CY2020	upst	Fair Value And Other Adjustments Net FairValueAndOtherAdjustmentsNet	13566000	USD
CY2021	upst	Fair Value And Other Adjustments Net FairValueAndOtherAdjustmentsNet	-29954000	USD
CY2019	upst	Interest Income And Fair Value Adjustment Net InterestIncomeAndFairValueAdjustmentNet	4342000	USD
CY2020	upst	Interest Income And Fair Value Adjustment Net InterestIncomeAndFairValueAdjustmentNet	4816000	USD
CY2021	upst	Interest Income And Fair Value Adjustment Net InterestIncomeAndFairValueAdjustmentNet	47314000	USD
CY2019	upst	Gain Loss On Transfer Of Loans GainLossOnTransferOfLoans	-2300000	USD
CY2020	upst	Gain Loss On Transfer Of Loans GainLossOnTransferOfLoans	-2200000	USD
CY2021	upst	Gain Loss On Transfer Of Loans GainLossOnTransferOfLoans	7300000	USD
CY2019	upst	Income From Capital Market Program IncomeFromCapitalMarketProgram	0	USD
CY2020	upst	Income From Capital Market Program IncomeFromCapitalMarketProgram	-2100000	USD
CY2021	upst	Income From Capital Market Program IncomeFromCapitalMarketProgram	28100000	USD
CY2020Q4	us-gaap	Financing Receivable Accrued Interest After Allowance For Credit Loss FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss	900000	USD
CY2018Q3	upst	Number Of Sponsored Securitization Transactions NumberOfSponsoredSecuritizationTransactions	3	securitizationTransaction
CY2020Q4	us-gaap	Loans Receivable Fair Value Disclosure LoansReceivableFairValueDisclosure	78460000	USD
CY2020Q4	us-gaap	Notes Receivable Fair Value Disclosure NotesReceivableFairValueDisclosure	19074000	USD
CY2020Q4	us-gaap	Servicing Asset At Fair Value Amount ServicingAssetAtFairValueAmount	6831000	USD
CY2020Q4	us-gaap	Assets Fair Value Disclosure AssetsFairValueDisclosure	104365000	USD
CY2020Q4	us-gaap	Servicing Liability At Fair Value Amount ServicingLiabilityAtFairValueAmount	8254000	USD
CY2020Q4	upst	Trailing Fee Liabilities Fair Value Disclosure TrailingFeeLiabilitiesFairValueDisclosure	1276000	USD
CY2020Q4	us-gaap	Liabilities Fair Value Disclosure LiabilitiesFairValueDisclosure	9530000	USD
CY2021Q4	us-gaap	Loans Receivable Fair Value Disclosure LoansReceivableFairValueDisclosure	252477000	USD
CY2021Q4	us-gaap	Notes Receivable Fair Value Disclosure NotesReceivableFairValueDisclosure	8288000	USD
CY2021Q4	us-gaap	Servicing Asset At Fair Value Amount ServicingAssetAtFairValueAmount	18388000	USD
CY2021Q4	us-gaap	Assets Fair Value Disclosure AssetsFairValueDisclosure	279153000	USD
CY2021Q4	us-gaap	Servicing Liability At Fair Value Amount ServicingLiabilityAtFairValueAmount	8780000	USD
CY2021Q4	us-gaap	Interest Receivable InterestReceivable	2600000	USD
CY2021Q4	upst	Trailing Fee Liabilities Fair Value Disclosure TrailingFeeLiabilitiesFairValueDisclosure	4315000	USD
CY2021Q4	us-gaap	Liabilities Fair Value Disclosure LiabilitiesFairValueDisclosure	13095000	USD
CY2021Q4	upst	Sensitivity Analysis Of Fair Value Assets Impact Of20 Percent Adverse Change In Expected Credit Loss Rates Average SensitivityAnalysisOfFairValueAssetsImpactOf20PercentAdverseChangeInExpectedCreditLossRatesAverage	-0.11
CY2021	us-gaap	Business Combination Acquisition Related Costs BusinessCombinationAcquisitionRelatedCosts	1200000	USD
CY2020	us-gaap	Business Combination Acquisition Related Costs BusinessCombinationAcquisitionRelatedCosts	0	USD
CY2021Q2	us-gaap	Goodwill Acquired During Period GoodwillAcquiredDuringPeriod	66900000	USD
CY2021Q4	us-gaap	Goodwill Purchase Accounting Adjustments GoodwillPurchaseAccountingAdjustments	200000	USD
CY2021Q4	us-gaap	Goodwill Goodwill	67100000	USD
CY2021Q4	us-gaap	Finite Lived Intangible Assets Gross FiniteLivedIntangibleAssetsGross	23100000	USD
CY2021Q4	us-gaap	Finite Lived Intangible Assets Accumulated Amortization FiniteLivedIntangibleAssetsAccumulatedAmortization	3205000	USD
CY2021Q4	us-gaap	Finite Lived Intangible Assets Net FiniteLivedIntangibleAssetsNet	19895000	USD
CY2021	us-gaap	Adjustment For Amortization AdjustmentForAmortization	3300000	USD
CY2021Q4	us-gaap	Finite Lived Intangible Assets Amortization Expense Next Twelve Months FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths	4275000	USD
CY2021Q4	us-gaap	Finite Lived Intangible Assets Amortization Expense Year Two FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo	4275000	USD
CY2021Q4	us-gaap	Finite Lived Intangible Assets Amortization Expense Year Three FiniteLivedIntangibleAssetsAmortizationExpenseYearThree	1925000	USD
CY2021Q4	us-gaap	Finite Lived Intangible Assets Amortization Expense Year Four FiniteLivedIntangibleAssetsAmortizationExpenseYearFour	1142000	USD
CY2021Q4	us-gaap	Finite Lived Intangible Assets Amortization Expense Year Five FiniteLivedIntangibleAssetsAmortizationExpenseYearFive	1142000	USD
CY2021Q4	us-gaap	Finite Lived Intangible Assets Amortization Expense After Year Five FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive	7136000	USD
CY2021Q4	us-gaap	Finite Lived Intangible Assets Net FiniteLivedIntangibleAssetsNet	19895000	USD
CY2020Q4	us-gaap	Accrued Fees And Other Revenue Receivable AccruedFeesAndOtherRevenueReceivable	11656000	USD
CY2021Q4	us-gaap	Accrued Fees And Other Revenue Receivable AccruedFeesAndOtherRevenueReceivable	55518000	USD
CY2020Q4	us-gaap	Deposits Assets DepositsAssets	7947000	USD
CY2021Q4	us-gaap	Deposits Assets DepositsAssets	8377000	USD
CY2020Q4	us-gaap	Prepaid Expense Current And Noncurrent PrepaidExpenseCurrentAndNoncurrent	6009000	USD
CY2021Q4	us-gaap	Prepaid Expense Current And Noncurrent PrepaidExpenseCurrentAndNoncurrent	30012000	USD
CY2020Q4	us-gaap	Servicing Asset At Fair Value Amount ServicingAssetAtFairValueAmount	6831000	USD
CY2021Q4	us-gaap	Servicing Asset At Fair Value Amount ServicingAssetAtFairValueAmount	18388000	USD
CY2020Q4	us-gaap	Other Assets Miscellaneous OtherAssetsMiscellaneous	7603000	USD
CY2021Q4	us-gaap	Other Assets Miscellaneous OtherAssetsMiscellaneous	8809000	USD
CY2020Q4	us-gaap	Other Assets OtherAssets	40046000	USD
CY2021Q4	us-gaap	Other Assets OtherAssets	121104000	USD
CY2020Q4	us-gaap	Property Plant And Equipment Gross PropertyPlantAndEquipmentGross	13724000	USD
CY2021Q4	us-gaap	Property Plant And Equipment Gross PropertyPlantAndEquipmentGross	32180000	USD
CY2020Q4	us-gaap	Accumulated Depreciation Depletion And Amortization Property Plant And Equipment AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment	3692000	USD
CY2021Q4	us-gaap	Accumulated Depreciation Depletion And Amortization Property Plant And Equipment AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment	7921000	USD
CY2021Q4	us-gaap	Servicing Liability At Fair Value Amount ServicingLiabilityAtFairValueAmount	8780000	USD
CY2020Q4	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	10032000	USD
CY2021Q4	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	24259000	USD
CY2020Q4	us-gaap	Capitalized Computer Software Net CapitalizedComputerSoftwareNet	6000000	USD
CY2021Q4	us-gaap	Capitalized Computer Software Net CapitalizedComputerSoftwareNet	13500000	USD
CY2020Q4	us-gaap	Accrued Liabilities Current And Noncurrent AccruedLiabilitiesCurrentAndNoncurrent	10974000	USD
CY2021Q4	us-gaap	Accrued Liabilities Current And Noncurrent AccruedLiabilitiesCurrentAndNoncurrent	48207000	USD
CY2020Q4	us-gaap	Employee Related Liabilities Current And Noncurrent EmployeeRelatedLiabilitiesCurrentAndNoncurrent	13834000	USD
CY2021Q4	us-gaap	Employee Related Liabilities Current And Noncurrent EmployeeRelatedLiabilitiesCurrentAndNoncurrent	37293000	USD
CY2020Q4	us-gaap	Servicing Liability At Fair Value Amount ServicingLiabilityAtFairValueAmount	8254000	USD
CY2020Q4	upst	Trailing Fee Liability At Fair Value Amount TrailingFeeLiabilityAtFairValueAmount	1276000	USD
CY2021Q4	upst	Trailing Fee Liability At Fair Value Amount TrailingFeeLiabilityAtFairValueAmount	4315000	USD
CY2020Q4	us-gaap	Other Liabilities OtherLiabilities	1331000	USD
CY2021Q4	us-gaap	Other Liabilities OtherLiabilities	4823000	USD
CY2020Q4	us-gaap	Accrued Liabilities And Other Liabilities AccruedLiabilitiesAndOtherLiabilities	35669000	USD
CY2021Q4	us-gaap	Accrued Liabilities And Other Liabilities AccruedLiabilitiesAndOtherLiabilities	103418000	USD
CY2020Q4	upst	Long Term And Short Term Debt Gross LongTermAndShortTermDebtGross	62681000	USD
CY2021Q4	upst	Long Term And Short Term Debt Gross LongTermAndShortTermDebtGross	709787000	USD
CY2020Q4	us-gaap	Debt Instrument Unamortized Discount DebtInstrumentUnamortizedDiscount	55000	USD
CY2021Q4	us-gaap	Debt Instrument Unamortized Discount DebtInstrumentUnamortizedDiscount	14355000	USD
CY2020Q4	us-gaap	Debt Longterm And Shortterm Combined Amount DebtLongtermAndShorttermCombinedAmount	62626000	USD
CY2021Q4	us-gaap	Debt Longterm And Shortterm Combined Amount DebtLongtermAndShorttermCombinedAmount	695432000	USD
CY2021Q4	upst	Long Term And Short Term Debt Maturity Year One LongTermAndShortTermDebtMaturityYearOne	0	USD
CY2021Q4	upst	Long Term And Short Term Debt Maturity Year Two LongTermAndShortTermDebtMaturityYearTwo	507000	USD
CY2021Q4	upst	Long Term And Short Term Debt Maturity Year Three LongTermAndShortTermDebtMaturityYearThree	48030000	USD
CY2021Q4	upst	Long Term And Short Term Debt Maturity Year Four LongTermAndShortTermDebtMaturityYearFour	0	USD
CY2021Q4	upst	Long Term And Short Term Debt Maturity Year Five LongTermAndShortTermDebtMaturityYearFive	661250000	USD
CY2021Q4	upst	Long Term And Short Term Debt Maturity After Year Five LongTermAndShortTermDebtMaturityAfterYearFive	0	USD
CY2021Q4	upst	Long Term And Short Term Debt Gross LongTermAndShortTermDebtGross	709787000	USD
CY2021Q4	us-gaap	Common Stock Shares Authorized CommonStockSharesAuthorized	700000000	shares
CY2021Q4	us-gaap	Common Stock Par Or Stated Value Per Share CommonStockParOrStatedValuePerShare	0.0001
CY2020Q4	us-gaap	Class Of Warrant Or Right Unissued ClassOfWarrantOrRightUnissued	75000000	shares
CY2021Q4	us-gaap	Class Of Warrant Or Right Unissued ClassOfWarrantOrRightUnissued	0	shares
CY2020Q4	upst	Common Stock And Class Of Warrant Or Right Reserved For Future Issuance CommonStockAndClassOfWarrantOrRightReservedForFutureIssuance	22212404000	shares
CY2021Q4	upst	Common Stock And Class Of Warrant Or Right Reserved For Future Issuance CommonStockAndClassOfWarrantOrRightReservedForFutureIssuance	26142793000	shares
CY2020Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber	19600223000	shares
CY2020Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice	4.27
CY2020	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Outstanding Weighted Average Remaining Contractual Term2 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2	P6Y9M18D
CY2020Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Intrinsic Value ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue	715084000	USD
CY2021	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross	612384000	shares
CY2021	us-gaap	Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice	105.68
CY2021	upst	Share Based Compensation Arrangement By Share Based Payment Award Options Assumed In Acquisition During Period ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAssumedInAcquisitionDuringPeriod	23494000	shares
CY2021	upst	Share Based Compensation Arrangements By Share Based Payment Award Options Assumed In Acquisition Weighted Average Exercise Price ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsAssumedInAcquisitionWeightedAverageExercisePrice	9.06
CY2021	us-gaap	Stock Issued During Period Shares Stock Options Exercised StockIssuedDuringPeriodSharesStockOptionsExercised	7047722000	shares
CY2021	us-gaap	Share Based Compensation Arrangements By Share Based Payment Award Options Exercises In Period Weighted Average Exercise Price ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice	2.09
CY2021	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures And Expirations In Period ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriod	403203000	shares
CY2021	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures And Expirations In Period Weighted Average Exercise Price ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice	7.36
CY2021Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber	12785176000	shares
CY2021Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice	10.23
CY2021	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Outstanding Weighted Average Remaining Contractual Term2 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2	P6Y9M18D
CY2021Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Intrinsic Value ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue	1803812000	USD
CY2021Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Number ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber	7471578000	shares
CY2021Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Weighted Average Exercise Price ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice	3.32
CY2021	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Weighted Average Remaining Contractual Term1 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1	P5Y8M12D
CY2021Q4	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Intrinsic Value1 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1	1105683000	USD
CY2021Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Vested And Expected To Vest Outstanding Number ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber	12689220000	shares
CY2021Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Vested And Expected To Vest Outstanding Weighted Average Exercise Price ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice	9.97
CY2021	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested And Expected To Vest Outstanding Weighted Average Remaining Contractual Term1 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1	P6Y9M18D
CY2021Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Vested And Expected To Vest Outstanding Aggregate Intrinsic Value ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue	1793628000	USD
CY2019	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue	2100000	USD
CY2020	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue	50000000	USD
CY2021	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue	1391700000	USD
CY2019	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1	2700000	USD
CY2021Q4	us-gaap	Employee Service Share Based Compensation Nonvested Awards Total Compensation Cost Not Yet Recognized Stock Options EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions	55700000	USD
CY2020	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1	7900000	USD
CY2021	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1	23500000	USD
CY2021	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Shares Issued In Period ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesIssuedInPeriod	243725	shares
CY2019	us-gaap	Allocated Share Based Compensation Expense AllocatedShareBasedCompensationExpense	3806000	USD
CY2020	us-gaap	Allocated Share Based Compensation Expense AllocatedShareBasedCompensationExpense	11513000	USD
CY2021	us-gaap	Allocated Share Based Compensation Expense AllocatedShareBasedCompensationExpense	73186000	USD
CY2019	us-gaap	Allocated Share Based Compensation Expense AllocatedShareBasedCompensationExpense	3806000	USD
CY2020	us-gaap	Allocated Share Based Compensation Expense AllocatedShareBasedCompensationExpense	11513000	USD
CY2021	us-gaap	Allocated Share Based Compensation Expense AllocatedShareBasedCompensationExpense	73186000	USD
CY2020Q4	us-gaap	Letters Of Credit Outstanding Amount LettersOfCreditOutstandingAmount	3400000	USD
CY2021Q4	us-gaap	Lessee Operating Lease Liability Payments Due Next Twelve Months LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths	11202000	USD
CY2021Q4	us-gaap	Lessee Operating Lease Liability Payments Due Year Two LesseeOperatingLeaseLiabilityPaymentsDueYearTwo	14741000	USD
CY2021Q4	us-gaap	Lessee Operating Lease Liability Payments Due Year Three LesseeOperatingLeaseLiabilityPaymentsDueYearThree	16574000	USD
CY2021Q4	us-gaap	Lessee Operating Lease Liability Payments Due Year Four LesseeOperatingLeaseLiabilityPaymentsDueYearFour	17050000	USD
CY2021Q4	us-gaap	Lessee Operating Lease Liability Payments Due Year Five LesseeOperatingLeaseLiabilityPaymentsDueYearFive	17546000	USD
CY2021Q4	us-gaap	Lessee Operating Lease Liability Payments Due After Year Five LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive	51954000	USD
CY2021Q4	us-gaap	Lessee Operating Lease Liability Payments Due LesseeOperatingLeaseLiabilityPaymentsDue	129067000	USD
CY2021Q4	upst	Lessee Operating Lease Liability Tenant Improvement Receivable LesseeOperatingLeaseLiabilityTenantImprovementReceivable	8914000	USD
CY2021Q4	us-gaap	Lessee Operating Lease Liability Undiscounted Excess Amount LesseeOperatingLeaseLiabilityUndiscountedExcessAmount	19787000	USD
CY2021Q4	us-gaap	Operating Lease Liability OperatingLeaseLiability	100366000	USD
CY2019	us-gaap	Operating Lease Cost OperatingLeaseCost	3409000	USD
CY2020	us-gaap	Operating Lease Cost OperatingLeaseCost	5264000	USD
CY2021	us-gaap	Operating Lease Cost OperatingLeaseCost	7756000	USD
CY2019	us-gaap	Variable Lease Cost VariableLeaseCost	959000	USD
CY2020	us-gaap	Variable Lease Cost VariableLeaseCost	1357000	USD
CY2021	us-gaap	Variable Lease Cost VariableLeaseCost	1650000	USD
CY2019	us-gaap	Operating Lease Payments OperatingLeasePayments	1905000	USD
CY2020	us-gaap	Operating Lease Payments OperatingLeasePayments	4158000	USD
CY2021	us-gaap	Operating Lease Payments OperatingLeasePayments	4553000	USD
CY2019	us-gaap	Right Of Use Asset Obtained In Exchange For Operating Lease Liability RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability	16190000	USD
CY2020	us-gaap	Right Of Use Asset Obtained In Exchange For Operating Lease Liability RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability	5506000	USD
CY2021	us-gaap	Right Of Use Asset Obtained In Exchange For Operating Lease Liability RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability	83463000	USD
CY2021Q4	us-gaap	Operating Lease Weighted Average Remaining Lease Term1 OperatingLeaseWeightedAverageRemainingLeaseTerm1	P8Y3D
CY2021Q4	us-gaap	Operating Lease Weighted Average Discount Rate Percent OperatingLeaseWeightedAverageDiscountRatePercent	0.0383
CY2019	us-gaap	Income Loss From Continuing Operations Before Income Taxes Domestic IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic	-4900000	USD
CY2020	us-gaap	Income Loss From Continuing Operations Before Income Taxes Domestic IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic	6000000	USD
CY2021	us-gaap	Income Loss From Continuing Operations Before Income Taxes Domestic IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic	133700000	USD
CY2019	us-gaap	Current Federal Tax Expense Benefit CurrentFederalTaxExpenseBenefit	0	USD
CY2020	us-gaap	Current Federal Tax Expense Benefit CurrentFederalTaxExpenseBenefit	0	USD
CY2021	us-gaap	Current Federal Tax Expense Benefit CurrentFederalTaxExpenseBenefit	0	USD
CY2019	us-gaap	Current State And Local Tax Expense Benefit CurrentStateAndLocalTaxExpenseBenefit	74000	USD
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CY2021	us-gaap	Current State And Local Tax Expense Benefit CurrentStateAndLocalTaxExpenseBenefit	229000	USD
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CY2019	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	14335611	shares
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CY2021	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	94772641	shares
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CY2021	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	1.43
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Files In Submission

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$UPST
Upstart Holdings, Inc. Stock $upst

2021 Q4 Form 10-K Financial Statement

#000164763922000009 Filed on February 18, 2022

Income Statement

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$UPST Upstart Holdings, Inc. Stock $upst

2021 Q4 Form 10-K Financial Statement

#000164763922000009 Filed on February 18, 2022

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$UPST
Upstart Holdings, Inc. Stock $upst