$UPST
Upstart Holdings, Inc. Stock $upst

$upst Overview Financials Valuation SEC Filings Company Website

2023 Q1 Form 10-K Financial Statement

#000164763923000021 Filed on February 16, 2023

Income Statement

Concept	2023 Q1	2022 Q4	2022
Revenue	$102.9M	$155.6M	$842.4M
YoY Change	-66.81%	-45.86%	-0.72%
Cost Of Revenue	$40.59M	$43.49M	$188.0M
YoY Change	-16.15%	5.94%	59.89%
Gross Profit	$76.55M	$112.1M	$719.3M
YoY Change	-71.18%	-54.49%	5.2%
Gross Profit Margin	74.37%	72.05%	85.38%
Selling, General & Admin	$84.10M	$97.90M	$531.1M
YoY Change	-52.46%	-37.6%	16.43%
% of Gross Profit	109.86%	87.32%	73.83%
Research & Development	$110.1M	$64.03M	$237.2M
YoY Change	120.18%	37.71%	77.05%
% of Gross Profit	143.79%	57.11%	32.98%
Depreciation & Amortization	$6.441M	$3.654M	$13.51M
YoY Change	131.61%	42.9%	79.19%
% of Gross Profit	8.41%	3.26%	1.88%
Operating Expenses	$234.8M	$161.9M	$956.3M
YoY Change	-14.73%	-20.39%	35.13%
Operating Profit	-$131.8M	-$49.81M	-$113.9M
YoY Change	-478.48%	-215.97%	-180.82%
Interest Expense	$7.132M	-$8.684M	$10.84M
YoY Change	643.69%	-149.73%	231.19%
% of Operating Profit
Other Income/Expense, Net	$2.597M	$2.771M	$9.473M
YoY Change	-222.38%	-341.59%	-283.09%
Pretax Income	-$129.2M	-$55.73M	-$109.1M
YoY Change	-495.09%	-194.03%	-181.6%
Income Tax	$16.00K	-$464.0K	-$409.0K
% Of Pretax Income
Net Earnings	-$129.3M	-$55.26M	-$108.7M
YoY Change	-495.37%	-193.76%	-180.23%
Net Earnings / Revenue	-125.58%	-35.52%	-12.9%
Basic Earnings Per Share	-$1.58		-$1.31
Diluted Earnings Per Share	-$1.58	-$0.68	-$1.31
COMMON SHARES
Basic Shares Outstanding	81.39M shares	81.88M shares	82.77M shares
Diluted Shares Outstanding	81.91M shares		82.77M shares

Balance Sheet

Concept	2023 Q1	2022 Q4	2022
SHORT-TERM ASSETS
Cash & Short-Term Investments	$386.9M	$422.4M	$422.4M
YoY Change	-48.94%	-57.19%	-57.19%
Cash & Equivalents	$451.9M	$532.5M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets	$429.9M	$469.1M	$469.1M
YoY Change	-46.69%	-54.99%	-54.99%
LONG-TERM ASSETS
Property, Plant & Equipment	$46.98M	$44.17M	$130.5M
YoY Change	57.56%	82.07%	8.41%
Goodwill	$67.10M	$67.10M
YoY Change	0.0%	0.06%
Intangibles	$14.56M	$15.63M
YoY Change	-22.69%	-21.48%
Long-Term Investments	$41.25M	$41.25M	$41.25M
YoY Change	0.61%	3.13%	3.13%
Other Assets	$86.95M	$126.8M	$126.8M
YoY Change	-69.36%	-45.96%	-45.96%
Total Long-Term Assets	$1.392B	$1.467B	$1.467B
YoY Change	17.84%	88.48%	88.48%
TOTAL ASSETS
Total Short-Term Assets	$429.9M	$469.1M	$469.1M
Total Long-Term Assets	$1.392B	$1.467B	$1.467B
Total Assets	$1.822B	$1.936B	$1.936B
YoY Change	-8.35%	6.35%	6.35%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable	$47.60M	$109.5M	$109.5M
YoY Change	-68.29%	-4.09%	-4.09%
Accrued Expenses	$131.5M	$146.1M	$146.1M
YoY Change	-22.59%	-21.39%	-21.39%
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	$179.1M	$255.6M	$255.6M
YoY Change	-44.03%	-14.8%	-14.8%
LONG-TERM LIABILITIES
Long-Term Debt	$1.001B	$986.4M	$986.4M
YoY Change	30.11%	41.84%	41.84%
Other Long-Term Liabilities	$14.57M	$21.62M	$21.62M
YoY Change	-33.57%	20.63%	20.63%
Total Long-Term Liabilities	$1.015B	$1.008B	$1.008B
YoY Change	28.35%	41.31%	41.31%
TOTAL LIABILITIES
Total Short-Term Liabilities	$179.1M	$255.6M	$255.6M
Total Long-Term Liabilities	$1.015B	$1.008B	$1.008B
Total Liabilities	$1.195B	$1.264B	$1.264B
YoY Change	7.51%	24.69%	24.69%
SHAREHOLDERS EQUITY
Retained Earnings	-$171.7M	-$42.44M
YoY Change	-273.58%	-164.09%
Common Stock	$8.000K	$8.000K
YoY Change	-11.11%	0.0%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity	$627.2M	$672.4M	$672.4M
YoY Change
Total Liabilities & Shareholders Equity	$1.822B	$1.936B	$1.936B
YoY Change	-8.35%	6.35%	6.35%

Cashflow Statement

Concept	2023 Q1	2022 Q4	2022
OPERATING ACTIVITIES
Net Income	-$129.3M	-$55.26M	-$108.7M
YoY Change	-495.37%	-193.76%	-180.23%
Depreciation, Depletion And Amortization	$6.441M	$3.654M	$13.51M
YoY Change	131.61%	42.9%	79.19%
Cash From Operating Activities	-$75.73M	-$252.9M	-$674.7M
YoY Change	-71.62%	2169.18%	-500.75%
INVESTING ACTIVITIES
Capital Expenditures	$1.111M	$4.983M	$8.825M
YoY Change	-31.8%	-187.68%	4.72%
Acquisitions			$0.00
YoY Change			-100.0%
Other Investing Activities	-$20.39M	-$80.13M	-$91.21M
YoY Change	-294.9%	468.58%	-29.16%
Cash From Investing Activities	-$25.85M	-$85.11M	-$114.1M
YoY Change	-599.36%	330.39%	-20.68%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net			$177.9M
YoY Change			-32.6%
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities	$20.97M	40.53M	$130.0M
YoY Change	-74.76%	-19.58%	-84.8%
NET CHANGE
Cash From Operating Activities	-$75.73M	-252.9M	-$674.7M
Cash From Investing Activities	-$25.85M	-85.11M	-$114.1M
Cash From Financing Activities	$20.97M	40.53M	$130.0M
Net Change In Cash	-$80.61M	-297.5M	-$658.8M
YoY Change	-54.85%	-1627.0%	-174.87%
FREE CASH FLOW
Cash From Operating Activities	-$75.73M	-$252.9M	-$674.7M
Capital Expenditures	$1.111M	$4.983M	$8.825M
Free Cash Flow	-$76.84M	-$257.9M	-$683.5M
YoY Change	-71.37%	4621.85%	-527.39%

Facts In Submission

Frame	Concept Type	Concept / XBRL Key	Value	Unit
CY2022	dei	Amendment Flag AmendmentFlag	false
CY2022	dei	Document Fiscal Year Focus DocumentFiscalYearFocus	2022
CY2022	dei	Document Fiscal Period Focus DocumentFiscalPeriodFocus	FY
CY2022	dei	Entity Central Index Key EntityCentralIndexKey	0001647639
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CY2022	dei	Document Type DocumentType	10-K
CY2022	dei	Document Annual Report DocumentAnnualReport	true
CY2022	dei	Document Period End Date DocumentPeriodEndDate	2022-12-31
CY2022	dei	Current Fiscal Year End Date CurrentFiscalYearEndDate	--12-31
CY2022	dei	Document Transition Report DocumentTransitionReport	false
CY2022	dei	Entity File Number EntityFileNumber	001-39797
CY2022	dei	Entity Registrant Name EntityRegistrantName	Upstart Holdings, Inc.
CY2022	dei	Entity Incorporation State Country Code EntityIncorporationStateCountryCode	DE
CY2022	dei	Entity Tax Identification Number EntityTaxIdentificationNumber	46-4332431
CY2022	dei	Entity Address Address Line1 EntityAddressAddressLine1	2950 S. Delaware Street
CY2022	dei	Entity Address Address Line2 EntityAddressAddressLine2	Suite 300
CY2022	dei	Entity Address City Or Town EntityAddressCityOrTown	San Mateo
CY2022	dei	Entity Address State Or Province EntityAddressStateOrProvince	CA
CY2022	dei	Entity Address Postal Zip Code EntityAddressPostalZipCode	94403
CY2022	dei	City Area Code CityAreaCode	650
CY2022	dei	Local Phone Number LocalPhoneNumber	204-1000
CY2022	dei	Security12b Title Security12bTitle	Common Stock, par value $0.0001 per share
CY2022	dei	Trading Symbol TradingSymbol	UPST
CY2022	dei	Security Exchange Name SecurityExchangeName	NASDAQ
CY2022	dei	Entity Well Known Seasoned Issuer EntityWellKnownSeasonedIssuer	Yes
CY2022	dei	Entity Voluntary Filers EntityVoluntaryFilers	No
CY2022	dei	Entity Current Reporting Status EntityCurrentReportingStatus	Yes
CY2022	dei	Entity Interactive Data Current EntityInteractiveDataCurrent	Yes
CY2022	dei	Entity Filer Category EntityFilerCategory	Large Accelerated Filer
CY2022	dei	Entity Small Business EntitySmallBusiness	false
CY2022	dei	Entity Emerging Growth Company EntityEmergingGrowthCompany	false
CY2022	dei	Icfr Auditor Attestation Flag IcfrAuditorAttestationFlag	true
CY2022	dei	Entity Shell Company EntityShellCompany	false
CY2022Q2	dei	Entity Public Float EntityPublicFloat	2234352139	usd
CY2023Q1	dei	Entity Common Stock Shares Outstanding EntityCommonStockSharesOutstanding	81386429	shares
CY2022	dei	Auditor Firm AuditorFirmId	34
CY2022	dei	Auditor Name AuditorName	Deloitte & Touche LLP
CY2022	dei	Auditor Location AuditorLocation	San Francisco, California
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CY2022Q4	us-gaap	Cash Cash	422411000	usd
CY2021Q4	us-gaap	Restricted Cash RestrictedCash	204633000	usd
CY2022Q4	us-gaap	Restricted Cash RestrictedCash	110056000	usd
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CY2022Q4	us-gaap	Notes Receivable Net NotesReceivableNet	1010421000	usd
CY2021Q4	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	24259000	usd
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CY2021Q4	us-gaap	Operating Lease Right Of Use Asset OperatingLeaseRightOfUseAsset	96118000	usd
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CY2021Q4	us-gaap	Equity Securities Without Readily Determinable Fair Value Amount EquitySecuritiesWithoutReadilyDeterminableFairValueAmount	40000000	usd
CY2022Q4	us-gaap	Equity Securities Without Readily Determinable Fair Value Amount EquitySecuritiesWithoutReadilyDeterminableFairValueAmount	41250000	usd
CY2021Q4	us-gaap	Goodwill Goodwill	67062000	usd
CY2022Q4	us-gaap	Goodwill Goodwill	67062000	usd
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CY2021Q4	us-gaap	Other Assets Fair Value Disclosure OtherAssetsFairValueDisclosure	18388000	usd
CY2022Q4	us-gaap	Other Assets Fair Value Disclosure OtherAssetsFairValueDisclosure	42648000	usd
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CY2021Q4	us-gaap	Operating Lease Liability OperatingLeaseLiability	100366000	usd
CY2022Q4	us-gaap	Operating Lease Liability OperatingLeaseLiability	100787000	usd
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CY2021Q4	us-gaap	Common Stock Value CommonStockValue	8000	usd
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CY2020	us-gaap	Share Based Compensation ShareBasedCompensation	11513000	usd
CY2020	us-gaap	Stock Issued During Period Value Stock Options Exercised StockIssuedDuringPeriodValueStockOptionsExercised	2362000	usd
CY2020	upst	Stock Issued During Period Value Stock Options Exercised Incentive Agreement StockIssuedDuringPeriodValueStockOptionsExercisedIncentiveAgreement	1696000	usd
CY2020	upst	Exercise Of Convertible Preferred Stock Warrant Value ExerciseOfConvertiblePreferredStockWarrantValue	12183000	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	us-gaap	Adjustments To Additional Paid In Capital Share Based Compensation Stock Options Requisite Service Period Recognition AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationStockOptionsRequisiteServicePeriodRecognition	12005000	usd
CY2020	upst	Apic Incentive Share Expense Increase For Cost Recognition APICIncentiveShareExpenseIncreaseForCostRecognition	787000	usd
CY2020	us-gaap	Minority Interest Decrease From Distributions To Noncontrolling Interest Holders MinorityInterestDecreaseFromDistributionsToNoncontrollingInterestHolders	622000	usd
CY2020	us-gaap	Profit Loss ProfitLoss	5579000	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 StockholdersEquity	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 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	Stockholders Equity StockholdersEquity	807078000	usd
CY2022	us-gaap	Stock Issued During Period Value Stock Options Exercised StockIssuedDuringPeriodValueStockOptionsExercised	12354000	usd
CY2022	us-gaap	Adjustments Related To Tax Withholding For Share Based Compensation AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation	16000	usd
CY2022	us-gaap	Adjustments To Additional Paid In Capital Share Based Compensation Stock Options Requisite Service Period Recognition AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationStockOptionsRequisiteServicePeriodRecognition	131905000	usd
CY2022	us-gaap	Stock Issued During Period Value Employee Stock Purchase Plan StockIssuedDuringPeriodValueEmployeeStockPurchasePlan	7662000	usd
CY2022	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	177883000	usd
CY2022	us-gaap	Profit Loss ProfitLoss	-108665000	usd
CY2022Q4	us-gaap	Stockholders Equity StockholdersEquity	672435000	usd
CY2020	us-gaap	Profit Loss ProfitLoss	5579000	usd
CY2021	us-gaap	Profit Loss ProfitLoss	135443000	usd
CY2022	us-gaap	Profit Loss ProfitLoss	-108665000	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
CY2022	us-gaap	Increase Decrease In Financial Instruments Used In Operating Activities IncreaseDecreaseInFinancialInstrumentsUsedInOperatingActivities	-168878000	usd
CY2021	us-gaap	Share Based Compensation ShareBasedCompensation	73186000	usd
CY2022	us-gaap	Share Based Compensation ShareBasedCompensation	125945000	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
CY2022	upst	Gain Loss On Loan Servicing Arrangements And Sale Of Noncontrolling Interests Net GainLossOnLoanServicingArrangementsAndSaleOfNoncontrollingInterestsNet	28739000	usd
CY2020	us-gaap	Depreciation Depletion And Amortization DepreciationDepletionAndAmortization	2278000	usd
CY2021	us-gaap	Depreciation Depletion And Amortization DepreciationDepletionAndAmortization	7541000	usd
CY2022	us-gaap	Depreciation Depletion And Amortization DepreciationDepletionAndAmortization	13513000	usd
CY2020	us-gaap	Incentive Fee Expense IncentiveFeeExpense	787000	usd
CY2021	us-gaap	Incentive Fee Expense IncentiveFeeExpense	0	usd
CY2022	us-gaap	Incentive Fee Expense IncentiveFeeExpense	0	usd
CY2020	us-gaap	Other Noncash Income Expense OtherNoncashIncomeExpense	-73000	usd
CY2021	us-gaap	Other Noncash Income Expense OtherNoncashIncomeExpense	-1983000	usd
CY2022	us-gaap	Other Noncash Income Expense OtherNoncashIncomeExpense	-3047000	usd
CY2020	us-gaap	Payments To Purchase Loans Held For Sale PaymentsToPurchaseLoansHeldForSale	2657075000	usd
CY2021	us-gaap	Payments To Purchase Loans Held For Sale PaymentsToPurchaseLoansHeldForSale	8932604000	usd
CY2022	us-gaap	Payments To Purchase Loans Held For Sale PaymentsToPurchaseLoansHeldForSale	7807429000	usd
CY2020	us-gaap	Proceeds From Sale Of Loans Held For Sale ProceedsFromSaleOfLoansHeldForSale	2588552000	usd
CY2021	us-gaap	Proceeds From Sale Of Loans Held For Sale ProceedsFromSaleOfLoansHeldForSale	8826045000	usd
CY2022	us-gaap	Proceeds From Sale Of Loans Held For Sale ProceedsFromSaleOfLoansHeldForSale	6828617000	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
CY2022	us-gaap	Proceeds From Collection Of Loans Held For Sale ProceedsFromCollectionOfLoansHeldForSale	152018000	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
CY2022	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	-4173000	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
CY2022	upst	Increase Decrease In Operating Lease Liability And Right Of Use Asset IncreaseDecreaseInOperatingLeaseLiabilityAndRightOfUseAsset	10204000	usd
CY2020	us-gaap	Increase Decrease In Accounts Payable Trade IncreaseDecreaseInAccountsPayableTrade	7033000	usd
CY2021	us-gaap	Increase Decrease In Accounts Payable Trade IncreaseDecreaseInAccountsPayableTrade	-7513000	usd
CY2022	us-gaap	Increase Decrease In Accounts Payable Trade IncreaseDecreaseInAccountsPayableTrade	11878000	usd
CY2021	us-gaap	Proceeds From Sale Of Loans Held For Investment ProceedsFromSaleOfLoansHeldForInvestment	51403000	usd
CY2022	us-gaap	Proceeds From Sale Of Loans Held For Investment ProceedsFromSaleOfLoansHeldForInvestment	14289000	usd
CY2020	upst	Increase Decrease In Payable To Investors IncreaseDecreaseInPayableToInvestors	19446000	usd
CY2021	upst	Increase Decrease In Payable To Investors IncreaseDecreaseInPayableToInvestors	62097000	usd
CY2022	upst	Increase Decrease In Payable To Investors IncreaseDecreaseInPayableToInvestors	-16821000	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
CY2022	us-gaap	Increase Decrease In Accrued Liabilities And Other Operating Liabilities IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities	-31300000	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
CY2022	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	-674681000	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
CY2022	upst	Proceeds From Principal Repayments On Loans Held By Consolidated Securitizations ProceedsFromPrincipalRepaymentsOnLoansHeldByConsolidatedSecuritizations	0	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
CY2022	us-gaap	Payments To Acquire Loans Held For Investment PaymentsToAcquireLoansHeldForInvestment	149298000	usd
CY2020	us-gaap	Proceeds From Sale Of Loans Held For Investment ProceedsFromSaleOfLoansHeldForInvestment	97340000	usd
CY2021	us-gaap	Payments For Software PaymentsForSoftware	6688000	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
CY2022	us-gaap	Proceeds From Principal Repayments On Loans And Leases Held For Investment ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment	43311000	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
CY2022	us-gaap	Proceeds From Collection Of Notes Receivable ProceedsFromCollectionOfNotesReceivable	6736000	usd
CY2020	us-gaap	Payments To Acquire Other Investments PaymentsToAcquireOtherInvestments	0	usd
CY2021	us-gaap	Payments To Acquire Other Investments PaymentsToAcquireOtherInvestments	40000000	usd
CY2022	us-gaap	Payments To Acquire Other Investments PaymentsToAcquireOtherInvestments	1250000	usd
CY2020	us-gaap	Payments To Acquire Notes Receivable PaymentsToAcquireNotesReceivable	4000	usd
CY2021	us-gaap	Payments To Acquire Notes Receivable PaymentsToAcquireNotesReceivable	0	usd
CY2022	us-gaap	Payments To Acquire Notes Receivable PaymentsToAcquireNotesReceivable	0	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
CY2022	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	8825000	usd
CY2020	us-gaap	Payments For Software PaymentsForSoftware	4250000	usd
CY2022	us-gaap	Payments For Software PaymentsForSoftware	14088000	usd
CY2020	us-gaap	Payments To Acquire Restricted Certificates Of Deposit PaymentsToAcquireRestrictedCertificatesOfDeposit	0	usd
CY2021	us-gaap	Payments To Acquire Restricted Certificates Of Deposit PaymentsToAcquireRestrictedCertificatesOfDeposit	0	usd
CY2022	us-gaap	Payments To Acquire Restricted Certificates Of Deposit PaymentsToAcquireRestrictedCertificatesOfDeposit	5000000	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
CY2022	us-gaap	Payments To Acquire Businesses Net Of Cash Acquired PaymentsToAcquireBusinessesNetOfCashAcquired	0	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
CY2022	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-114125000	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
CY2022	us-gaap	Proceeds From Issuance Initial Public Offering ProceedsFromIssuanceInitialPublicOffering	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
CY2022	us-gaap	Proceeds From Issuance Of Common Stock ProceedsFromIssuanceOfCommonStock	0	usd
CY2020	us-gaap	Proceeds From Issuance Of Debt ProceedsFromIssuanceOfDebt	92057000	usd
CY2021	us-gaap	Proceeds From Issuance Of Debt ProceedsFromIssuanceOfDebt	718422000	usd
CY2022	us-gaap	Proceeds From Issuance Of Debt ProceedsFromIssuanceOfDebt	688813000	usd
CY2020	us-gaap	Payments Of Debt Issuance Costs PaymentsOfDebtIssuanceCosts	0	usd
CY2021	us-gaap	Payments Of Debt Issuance Costs PaymentsOfDebtIssuanceCosts	15727000	usd
CY2022	us-gaap	Payments Of Debt Issuance Costs PaymentsOfDebtIssuanceCosts	0	usd
CY2020	upst	Payments For Capped Calls PaymentsForCappedCalls	0	usd
CY2021	upst	Payments For Capped Calls PaymentsForCappedCalls	58523000	usd
CY2022	upst	Payments For Capped Calls PaymentsForCappedCalls	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
CY2022	us-gaap	Payments Related To Tax Withholding For Share Based Compensation PaymentsRelatedToTaxWithholdingForShareBasedCompensation	16000	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
CY2022	upst	Payments Made On Securitization Notes And Certificates PaymentsMadeOnSecuritizationNotesAndCertificates	0	usd
CY2020	us-gaap	Repayments Of Debt RepaymentsOfDebt	148113000	usd
CY2021	us-gaap	Repayments Of Debt RepaymentsOfDebt	71316000	usd
CY2022	us-gaap	Repayments Of Debt RepaymentsOfDebt	400898000	usd
CY2020	us-gaap	Payments To Minority Shareholders PaymentsToMinorityShareholders	622000	usd
CY2021	us-gaap	Payments To Minority Shareholders PaymentsToMinorityShareholders	0	usd
CY2022	us-gaap	Payments To Minority Shareholders PaymentsToMinorityShareholders	0	usd
CY2020	us-gaap	Proceeds From Warrant Exercises ProceedsFromWarrantExercises	6000	usd
CY2021	us-gaap	Proceeds From Warrant Exercises ProceedsFromWarrantExercises	0	usd
CY2022	us-gaap	Proceeds From Warrant Exercises ProceedsFromWarrantExercises	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
CY2022	us-gaap	Proceeds From Issuance Of Shares Under Incentive And Share Based Compensation Plans ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlans	7662000	usd
CY2020	us-gaap	Proceeds From Stock Options Exercised ProceedsFromStockOptionsExercised	2362000	usd
CY2021	us-gaap	Proceeds From Stock Options Exercised ProceedsFromStockOptionsExercised	14736000	usd
CY2022	us-gaap	Proceeds From Stock Options Exercised ProceedsFromStockOptionsExercised	12354000	usd
CY2020	us-gaap	Payments For Repurchase Of Common Stock PaymentsForRepurchaseOfCommonStock		usd
CY2021	us-gaap	Payments For Repurchase Of Common Stock PaymentsForRepurchaseOfCommonStock	0	usd
CY2022	us-gaap	Payments For Repurchase Of Common Stock PaymentsForRepurchaseOfCommonStock	177883000	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
CY2022	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	130032000	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
CY2022	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect	-658774000	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
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
CY2022Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	532467000	usd
CY2020	us-gaap	Interest Paid Net InterestPaidNet	8028000	usd
CY2021	us-gaap	Interest Paid Net InterestPaidNet	3274000	usd
CY2022	us-gaap	Interest Paid Net InterestPaidNet	12473000	usd
CY2020	us-gaap	Income Taxes Paid IncomeTaxesPaid	0	usd
CY2021	us-gaap	Income Taxes Paid IncomeTaxesPaid	2300000	usd
CY2022	us-gaap	Income Taxes Paid IncomeTaxesPaid	328000	usd
CY2020	us-gaap	Operating Lease Payments OperatingLeasePayments	4158000	usd
CY2021	us-gaap	Operating Lease Payments OperatingLeasePayments	4553000	usd
CY2022	us-gaap	Operating Lease Payments OperatingLeasePayments	11084000	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
CY2022	us-gaap	Employee Service Share Based Compensation Allocation Of Recognized Period Costs Capitalized Amount EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount	5960000	usd
CY2020	upst	Securities Retained Under Unconsolidated Securitization Transactions SecuritiesRetainedUnderUnconsolidatedSecuritizationTransactions	0	usd
CY2021	upst	Securities Retained Under Unconsolidated Securitization Transactions SecuritiesRetainedUnderUnconsolidatedSecuritizationTransactions	0	usd
CY2022	upst	Securities Retained Under Unconsolidated Securitization Transactions SecuritiesRetainedUnderUnconsolidatedSecuritizationTransactions	4680000	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
CY2022	upst	Reclassification Of Common Stock Warrant Liability Related To Cashless Exercise ReclassificationOfCommonStockWarrantLiabilityRelatedToCashlessExercise	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
CY2022	upst	Reclassification Of Preferred Stock Warrant Liability Related To Cashless Exercise ReclassificationOfPreferredStockWarrantLiabilityRelatedToCashlessExercise	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
CY2022	upst	Reclassification Of Common Stock Warrant Liability To Equity Upon Termination Of Repurchase Option ReclassificationOfCommonStockWarrantLiabilityToEquityUponTerminationOfRepurchaseOption	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
CY2022	us-gaap	Business Combination Consideration Transferred Equity Interests Issued And Issuable BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable	0	usd
CY2021Q4	us-gaap	Cash Cash	986608000	usd
CY2022Q4	us-gaap	Cash Cash	422411000	usd
CY2021Q4	us-gaap	Restricted Cash RestrictedCash	204633000	usd
CY2022Q4	us-gaap	Restricted Cash RestrictedCash	110056000	usd
CY2021Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	1191241000	usd
CY2022Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	532467000	usd
CY2022	us-gaap	Number Of Reportable Segments NumberOfReportableSegments	1	segment
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
CY2022	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 the 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; and (iv) 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.
CY2021	us-gaap	Impairment Of Long Lived Assets Held For Use ImpairmentOfLongLivedAssetsHeldForUse	0	usd
CY2022	us-gaap	Impairment Of Long Lived Assets Held For Use ImpairmentOfLongLivedAssetsHeldForUse	0	usd
CY2022	upst	Number Of Components Of Revenue NumberOfComponentsOfRevenue	2	component
CY2021Q4	us-gaap	Equity Securities Without Readily Determinable Fair Value Amount EquitySecuritiesWithoutReadilyDeterminableFairValueAmount	40000000	usd
CY2022Q4	us-gaap	Equity Securities Without Readily Determinable Fair Value Amount EquitySecuritiesWithoutReadilyDeterminableFairValueAmount	41300000	usd
CY2020Q2	upst	Loan Payment Deferral Period Cares Act LoanPaymentDeferralPeriodCARESAct	P6M
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
CY2022	us-gaap	Revenue From Contract With Customer Excluding Assessed Tax RevenueFromContractWithCustomerExcludingAssessedTax	907272000	usd
CY2021Q4	upst	Trailing Fee Liabilities Fair Value Disclosure TrailingFeeLiabilitiesFairValueDisclosure	4300000	usd
CY2022Q4	upst	Trailing Fee Liabilities Fair Value Disclosure TrailingFeeLiabilitiesFairValueDisclosure	4900000	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
CY2022	upst	Net Gain Loss Related To Loan Servicing Rights NetGainLossRelatedToLoanServicingRights	28739000	usd
CY2020	us-gaap	Interest And Dividend Income Operating InterestAndDividendIncomeOperating	26408000	usd
CY2021	us-gaap	Interest And Dividend Income Operating InterestAndDividendIncomeOperating	20634000	usd
CY2022	us-gaap	Interest And Dividend Income Operating InterestAndDividendIncomeOperating	105580000	usd
CY2020	us-gaap	Interest Expense InterestExpense	8026000	usd
CY2021	us-gaap	Interest Expense InterestExpense	3274000	usd
CY2022	us-gaap	Interest Expense InterestExpense	10843000	usd
CY2020	upst	Unrealized Gain Loss Charge Offs And Other Fair Value Adjustments Net UnrealizedGainLossChargeOffsAndOtherFairValueAdjustmentsNet	-11459000	usd
CY2021	upst	Unrealized Gain Loss Charge Offs And Other Fair Value Adjustments Net UnrealizedGainLossChargeOffsAndOtherFairValueAdjustmentsNet	1894000	usd
CY2022	upst	Unrealized Gain Loss Charge Offs And Other Fair Value Adjustments Net UnrealizedGainLossChargeOffsAndOtherFairValueAdjustmentsNet	-101422000	usd
CY2020	upst	Realized Gain Loss On Transfer Of Loans Net RealizedGainLossOnTransferOfLoansNet	-2107000	usd
CY2021	upst	Realized Gain Loss On Transfer Of Loans Net RealizedGainLossOnTransferOfLoansNet	28060000	usd
CY2022	upst	Realized Gain Loss On Transfer Of Loans Net RealizedGainLossOnTransferOfLoansNet	-58143000	usd
CY2020	upst	Fair Value And Other Adjustments Net FairValueAndOtherAdjustmentsNet	13566000	usd
CY2021	upst	Fair Value And Other Adjustments Net FairValueAndOtherAdjustmentsNet	-29954000	usd
CY2022	upst	Fair Value And Other Adjustments Net FairValueAndOtherAdjustmentsNet	159565000	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
CY2022	upst	Interest Income And Fair Value Adjustment Net InterestIncomeAndFairValueAdjustmentNet	-64828000	usd
CY2020	upst	Income From Capital Market Program IncomeFromCapitalMarketProgram	-2100000	usd
CY2021	upst	Income From Capital Market Program IncomeFromCapitalMarketProgram	28100000	usd
CY2022	upst	Income From Capital Market Program IncomeFromCapitalMarketProgram	0	usd
CY2022Q4	us-gaap	Financing Receivable Threshold Period Past Due FinancingReceivableThresholdPeriodPastDue	P120D
CY2021Q4	us-gaap	Financing Receivable Accrued Interest After Allowance For Credit Loss FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss	2600000	usd
CY2022Q4	us-gaap	Financing Receivable Accrued Interest After Allowance For Credit Loss FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss	12800000	usd
CY2022Q4	upst	Risk Retention Requirement Declines RiskRetentionRequirementDeclines	0	usd
CY2022Q4	us-gaap	Notes Receivable Fair Value Disclosure NotesReceivableFairValueDisclosure	6200000	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	upst	Trailing Fee Liabilities Fair Value Disclosure TrailingFeeLiabilitiesFairValueDisclosure	4315000	usd
CY2021Q4	us-gaap	Liabilities Fair Value Disclosure LiabilitiesFairValueDisclosure	13095000	usd
CY2022Q4	us-gaap	Loans Receivable Fair Value Disclosure LoansReceivableFairValueDisclosure	1010421000	usd
CY2022Q4	us-gaap	Notes Receivable Fair Value Disclosure NotesReceivableFairValueDisclosure	6181000	usd
CY2022Q4	us-gaap	Servicing Asset At Fair Value Amount ServicingAssetAtFairValueAmount	36467000	usd
CY2022Q4	us-gaap	Assets Fair Value Disclosure AssetsFairValueDisclosure	1053069000	usd
CY2022Q4	us-gaap	Servicing Liability At Fair Value Amount ServicingLiabilityAtFairValueAmount	3968000	usd
CY2022Q4	upst	Trailing Fee Liabilities Fair Value Disclosure TrailingFeeLiabilitiesFairValueDisclosure	4852000	usd
CY2022Q4	us-gaap	Liabilities Fair Value Disclosure LiabilitiesFairValueDisclosure	8820000	usd
CY2022Q4	upst	Sensitivity Analysis Of Fair Value Assets Impact Of20 Percent Adverse Change In Expected Credit Loss Rates Average SensitivityAnalysisOfFairValueAssetsImpactOf20PercentAdverseChangeInExpectedCreditLossRatesAverage	-0.27
CY2021	us-gaap	Business Combination Acquisition Related Costs BusinessCombinationAcquisitionRelatedCosts	1200000	usd
CY2022	us-gaap	Business Combination Acquisition Related Costs BusinessCombinationAcquisitionRelatedCosts	0	usd
CY2022Q4	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
CY2022Q4	us-gaap	Finite Lived Intangible Assets Gross FiniteLivedIntangibleAssetsGross	23100000	usd
CY2022Q4	us-gaap	Finite Lived Intangible Assets Accumulated Amortization FiniteLivedIntangibleAssetsAccumulatedAmortization	7481000	usd
CY2022Q4	us-gaap	Finite Lived Intangible Assets Net FiniteLivedIntangibleAssetsNet	15619000	usd
CY2021	us-gaap	Adjustment For Amortization AdjustmentForAmortization	3300000	usd
CY2022	us-gaap	Adjustment For Amortization AdjustmentForAmortization	4300000	usd
CY2022Q4	us-gaap	Finite Lived Intangible Assets Amortization Expense Next Twelve Months FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths	4275000	usd
CY2022Q4	us-gaap	Finite Lived Intangible Assets Amortization Expense Year Two FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo	1925000	usd
CY2022Q4	us-gaap	Finite Lived Intangible Assets Amortization Expense Year Three FiniteLivedIntangibleAssetsAmortizationExpenseYearThree	1142000	usd
CY2022Q4	us-gaap	Finite Lived Intangible Assets Amortization Expense Year Four FiniteLivedIntangibleAssetsAmortizationExpenseYearFour	1142000	usd
CY2022Q4	us-gaap	Finite Lived Intangible Assets Amortization Expense Year Five FiniteLivedIntangibleAssetsAmortizationExpenseYearFive	1142000	usd
CY2022Q4	us-gaap	Finite Lived Intangible Assets Amortization Expense After Year Five FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive	5993000	usd
CY2022Q4	us-gaap	Finite Lived Intangible Assets Net FiniteLivedIntangibleAssetsNet	15619000	usd
CY2021Q4	us-gaap	Accrued Fees And Other Revenue Receivable AccruedFeesAndOtherRevenueReceivable	55518000	usd
CY2022Q4	us-gaap	Accrued Fees And Other Revenue Receivable AccruedFeesAndOtherRevenueReceivable	46652000	usd
CY2021Q4	us-gaap	Servicing Asset At Fair Value Amount ServicingAssetAtFairValueAmount	18388000	usd
CY2022Q4	us-gaap	Servicing Asset At Fair Value Amount ServicingAssetAtFairValueAmount	36467000	usd
CY2021Q4	us-gaap	Prepaid Expense Current And Noncurrent PrepaidExpenseCurrentAndNoncurrent	30012000	usd
CY2022Q4	us-gaap	Prepaid Expense Current And Noncurrent PrepaidExpenseCurrentAndNoncurrent	16740000	usd
CY2021Q4	us-gaap	Other Assets Miscellaneous OtherAssetsMiscellaneous	8809000	usd
CY2022Q4	us-gaap	Other Assets Miscellaneous OtherAssetsMiscellaneous	22678000	usd
CY2021Q4	us-gaap	Deposits Assets DepositsAssets	8377000	usd
CY2022Q4	us-gaap	Deposits Assets DepositsAssets	10002000	usd
CY2021Q4	us-gaap	Other Receivables OtherReceivables	8288000	usd
CY2022Q4	us-gaap	Other Receivables OtherReceivables	6181000	usd
CY2021Q4	us-gaap	Other Assets OtherAssets	129392000	usd
CY2022Q4	us-gaap	Other Assets OtherAssets	138720000	usd
CY2021Q4	us-gaap	Property Plant And Equipment Gross PropertyPlantAndEquipmentGross	32180000	usd
CY2022Q4	us-gaap	Property Plant And Equipment Gross PropertyPlantAndEquipmentGross	61327000	usd
CY2021Q4	us-gaap	Accumulated Depreciation Depletion And Amortization Property Plant And Equipment AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment	7921000	usd
CY2022Q4	us-gaap	Accumulated Depreciation Depletion And Amortization Property Plant And Equipment AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment	17159000	usd
CY2021Q4	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	24259000	usd
CY2022Q4	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	44168000	usd
CY2020	us-gaap	Depreciation Depreciation	2300000	usd
CY2021	us-gaap	Depreciation Depreciation	4200000	usd
CY2022	us-gaap	Depreciation Depreciation	13500000	usd
CY2021Q4	us-gaap	Capitalized Computer Software Net CapitalizedComputerSoftwareNet	13500000	usd
CY2022Q4	us-gaap	Capitalized Computer Software Net CapitalizedComputerSoftwareNet	27400000	usd
CY2021Q4	us-gaap	Accrued Liabilities Current And Noncurrent AccruedLiabilitiesCurrentAndNoncurrent	48207000	usd
CY2022Q4	us-gaap	Accrued Liabilities Current And Noncurrent AccruedLiabilitiesCurrentAndNoncurrent	23506000	usd
CY2021Q4	us-gaap	Employee Related Liabilities Current And Noncurrent EmployeeRelatedLiabilitiesCurrentAndNoncurrent	37293000	usd
CY2022Q4	us-gaap	Employee Related Liabilities Current And Noncurrent EmployeeRelatedLiabilitiesCurrentAndNoncurrent	21825000	usd
CY2021Q4	us-gaap	Servicing Liability At Fair Value Amount ServicingLiabilityAtFairValueAmount	8780000	usd
CY2022Q4	us-gaap	Servicing Liability At Fair Value Amount ServicingLiabilityAtFairValueAmount	3968000	usd
CY2021Q4	upst	Trailing Fee Liability At Fair Value Amount TrailingFeeLiabilityAtFairValueAmount	4315000	usd
CY2022Q4	upst	Trailing Fee Liability At Fair Value Amount TrailingFeeLiabilityAtFairValueAmount	4852000	usd
CY2021Q4	us-gaap	Other Liabilities OtherLiabilities	4823000	usd
CY2022Q4	us-gaap	Other Liabilities OtherLiabilities	12795000	usd
CY2021Q4	us-gaap	Accrued Liabilities And Other Liabilities AccruedLiabilitiesAndOtherLiabilities	103418000	usd
CY2022Q4	us-gaap	Accrued Liabilities And Other Liabilities AccruedLiabilitiesAndOtherLiabilities	66946000	usd
CY2021Q4	upst	Long Term And Short Term Debt Gross LongTermAndShortTermDebtGross	709787000	usd
CY2022Q4	upst	Long Term And Short Term Debt Gross LongTermAndShortTermDebtGross	997702000	usd
CY2021Q4	us-gaap	Debt Instrument Unamortized Discount DebtInstrumentUnamortizedDiscount	14355000	usd
CY2022Q4	us-gaap	Debt Instrument Unamortized Discount DebtInstrumentUnamortizedDiscount	11308000	usd
CY2021Q4	us-gaap	Debt Longterm And Shortterm Combined Amount DebtLongtermAndShorttermCombinedAmount	695432000	usd
CY2022Q4	us-gaap	Debt Longterm And Shortterm Combined Amount DebtLongtermAndShorttermCombinedAmount	986394000	usd
CY2022Q4	upst	Long Term And Short Term Debt Maturity Year One LongTermAndShortTermDebtMaturityYearOne	0	usd
CY2022Q4	upst	Long Term And Short Term Debt Maturity Year Two LongTermAndShortTermDebtMaturityYearTwo	336452000	usd
CY2022Q4	upst	Long Term And Short Term Debt Maturity Year Three LongTermAndShortTermDebtMaturityYearThree	0	usd
CY2022Q4	upst	Long Term And Short Term Debt Maturity Year Four LongTermAndShortTermDebtMaturityYearFour	661250000	usd
CY2022Q4	upst	Long Term And Short Term Debt Maturity Year Five LongTermAndShortTermDebtMaturityYearFive	0	usd
CY2022Q4	upst	Long Term And Short Term Debt Maturity After Year Five LongTermAndShortTermDebtMaturityAfterYearFive	0	usd
CY2022Q4	upst	Long Term And Short Term Debt Gross LongTermAndShortTermDebtGross	997702000	usd
CY2022Q4	us-gaap	Common Stock Shares Authorized CommonStockSharesAuthorized	700000000	shares
CY2022Q4	us-gaap	Common Stock Par Or Stated Value Per Share CommonStockParOrStatedValuePerShare	0.0001
CY2021Q4	us-gaap	Common Stock Capital Shares Reserved For Future Issuance CommonStockCapitalSharesReservedForFutureIssuance	26142793	shares
CY2022Q4	us-gaap	Common Stock Capital Shares Reserved For Future Issuance CommonStockCapitalSharesReservedForFutureIssuance	27666452	shares
CY2022Q1	us-gaap	Stock Repurchase Program Authorized Amount1 StockRepurchaseProgramAuthorizedAmount1	400000000	usd
CY2022	us-gaap	Stock Repurchased And Retired During Period Shares StockRepurchasedAndRetiredDuringPeriodShares	5900000	shares
CY2022	us-gaap	Stock Repurchased And Retired During Period Value StockRepurchasedAndRetiredDuringPeriodValue	177900000	usd
CY2022	us-gaap	Treasury Stock Acquired Average Cost Per Share TreasuryStockAcquiredAverageCostPerShare	30.24
CY2022Q4	us-gaap	Stock Repurchase Program Remaining Authorized Repurchase Amount1 StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1	222100000	usd
CY2021Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber	12785176	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
CY2022	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross	2816559	shares
CY2022	us-gaap	Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice	30.61
CY2022	us-gaap	Stock Issued During Period Shares Stock Options Exercised StockIssuedDuringPeriodSharesStockOptionsExercised	2464572	shares
CY2022	us-gaap	Share Based Compensation Arrangements By Share Based Payment Award Options Exercises In Period Weighted Average Exercise Price ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice	5.03
CY2022	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures And Expirations In Period ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriod	590153	shares
CY2022	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures And Expirations In Period Weighted Average Exercise Price ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice	35.33
CY2022Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber	12547010	shares
CY2022Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice	14.65
CY2022	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Outstanding Weighted Average Remaining Contractual Term2 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2	P6Y7M6D
CY2022Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Intrinsic Value ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue	77289000	usd
CY2022Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Number ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber	7935324	shares
CY2022Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Weighted Average Exercise Price ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice	5.66
CY2022	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Weighted Average Remaining Contractual Term1 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1	P5Y2M12D
CY2022Q4	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Intrinsic Value1 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1	70278000	usd
CY2022Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Vested And Expected To Vest Outstanding Number ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber	12473914	shares
CY2022Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Vested And Expected To Vest Outstanding Weighted Average Exercise Price ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice	14.57
CY2022	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested And Expected To Vest Outstanding Weighted Average Remaining Contractual Term1 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1	P6Y6M
CY2022Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Vested And Expected To Vest Outstanding Aggregate Intrinsic Value ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue	77265000	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
CY2022	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue	157300000	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
CY2022	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1	23200000	usd
CY2022Q4	us-gaap	Employee Service Share Based Compensation Nonvested Awards Total Compensation Cost Not Yet Recognized Stock Options EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions	59400000	usd
CY2021	us-gaap	Allocated Share Based Compensation Expense AllocatedShareBasedCompensationExpense	73186000	usd
CY2022	upst	Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Number Of Vesting Tranches ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNumberOfVestingTranches	9	vesting_tranche
CY2022	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Dividend Rate ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate	0
CY2020	us-gaap	Allocated Share Based Compensation Expense AllocatedShareBasedCompensationExpense	11513000	usd
CY2022	us-gaap	Allocated Share Based Compensation Expense AllocatedShareBasedCompensationExpense	125945000	usd
CY2022Q4	us-gaap	Letters Of Credit Outstanding Amount LettersOfCreditOutstandingAmount	3400000	usd
CY2022Q4	us-gaap	Lessee Operating Lease Liability Payments Due Next Twelve Months LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths	15091000	usd
CY2022Q4	us-gaap	Lessee Operating Lease Liability Payments Due Year Two LesseeOperatingLeaseLiabilityPaymentsDueYearTwo	17054000	usd
CY2022Q4	us-gaap	Lessee Operating Lease Liability Payments Due Year Three LesseeOperatingLeaseLiabilityPaymentsDueYearThree	17544000	usd
CY2022Q4	us-gaap	Lessee Operating Lease Liability Payments Due Year Four LesseeOperatingLeaseLiabilityPaymentsDueYearFour	18055000	usd
CY2022Q4	us-gaap	Lessee Operating Lease Liability Payments Due Year Five LesseeOperatingLeaseLiabilityPaymentsDueYearFive	17745000	usd
CY2022Q4	us-gaap	Lessee Operating Lease Liability Payments Due After Year Five LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive	34816000	usd
CY2022Q4	us-gaap	Lessee Operating Lease Liability Payments Due LesseeOperatingLeaseLiabilityPaymentsDue	120305000	usd
CY2022Q4	upst	Lessee Operating Lease Liability Tenant Improvement Receivable LesseeOperatingLeaseLiabilityTenantImprovementReceivable	3341000	usd
CY2022Q4	us-gaap	Lessee Operating Lease Liability Undiscounted Excess Amount LesseeOperatingLeaseLiabilityUndiscountedExcessAmount	16177000	usd
CY2022Q4	us-gaap	Operating Lease Liability OperatingLeaseLiability	100787000	usd
CY2020	us-gaap	Operating Lease Cost OperatingLeaseCost	5264000	usd
CY2021	us-gaap	Operating Lease Cost OperatingLeaseCost	7756000	usd
CY2022	us-gaap	Operating Lease Cost OperatingLeaseCost	15916000	usd
CY2020	us-gaap	Variable Lease Cost VariableLeaseCost	1357000	usd
CY2021	us-gaap	Variable Lease Cost VariableLeaseCost	1650000	usd
CY2022	us-gaap	Variable Lease Cost VariableLeaseCost	3696000	usd
CY2020	us-gaap	Operating Lease Payments OperatingLeasePayments	4158000	usd
CY2021	us-gaap	Operating Lease Payments OperatingLeasePayments	4553000	usd
CY2022	us-gaap	Operating Lease Payments OperatingLeasePayments	11084000	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
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Files In Submission

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$UPST
Upstart Holdings, Inc. Stock $upst

2023 Q1 Form 10-K Financial Statement

#000164763923000021 Filed on February 16, 2023

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

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$UPST Upstart Holdings, Inc. Stock $upst

2023 Q1 Form 10-K Financial Statement

#000164763923000021 Filed on February 16, 2023

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$UPST
Upstart Holdings, Inc. Stock $upst