$UPST
Upstart Holdings, Inc. Stock $upst

$upst Overview Financials Valuation SEC Filings Company Website

2023 Q4 Form 10-Q Financial Statement

#000164763923000051 Filed on November 08, 2023

Income Statement

Concept	2023 Q4	2023 Q3
Revenue	$140.3M	$134.6M
YoY Change	-9.82%	-14.42%
Cost Of Revenue	$36.12M	$36.90M
YoY Change	-16.95%	-18.05%
Gross Profit	$104.2M	$109.8M
YoY Change	-7.06%	-18.25%
Gross Profit Margin	74.26%	81.6%
Selling, General & Admin	$94.54M	$86.55M
YoY Change	-3.42%	-16.87%
% of Gross Profit	90.74%	78.82%
Research & Development	$57.15M	$54.94M
YoY Change	-10.74%	-16.98%
% of Gross Profit	54.85%	50.04%
Depreciation & Amortization	$9.103M	$3.900M
YoY Change	149.12%	44.44%
% of Gross Profit	8.74%	3.55%
Operating Expenses	$151.7M	$178.4M
YoY Change	-6.32%	-17.15%
Operating Profit	-$47.50M	-$43.85M
YoY Change	-4.64%	-24.52%
Interest Expense	-$4.706M	$9.414M
YoY Change	-45.81%	208.66%
% of Operating Profit
Other Income/Expense, Net	$5.166M	$3.540M
YoY Change	86.43%	88.3%
Pretax Income	-$42.34M	-$40.30M
YoY Change	-24.03%	-28.31%
Income Tax	$63.00K	$10.00K
% Of Pretax Income
Net Earnings	-$42.40M	-$40.32M
YoY Change	-23.28%	-28.29%
Net Earnings / Revenue	-30.22%	-29.96%
Basic Earnings Per Share		-$0.48
Diluted Earnings Per Share	-$0.50	-$0.48
COMMON SHARES
Basic Shares Outstanding	85.06M shares	83.89M shares
Diluted Shares Outstanding		84.40M shares

Balance Sheet

Concept	2023 Q4	2023 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments	$368.4M	$516.6M
YoY Change	-12.79%	-24.47%
Cash & Equivalents	$467.8M	$615.0M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets	$408.9M	$557.8M
YoY Change	-12.83%	-23.99%
LONG-TERM ASSETS
Property, Plant & Equipment	$42.66M	$48.01M
YoY Change	-3.43%	17.13%
Goodwill	$67.10M	$67.10M
YoY Change	0.0%	0.0%
Intangibles	$11.36M	$12.43M
YoY Change	-27.35%	-25.6%
Long-Term Investments	$41.25M	$41.30M
YoY Change	0.0%	0.73%
Other Assets	$117.4M	$119.5M
YoY Change	-7.44%	-29.51%
Total Long-Term Assets	$1.608B	$1.444B
YoY Change	9.63%	22.22%
TOTAL ASSETS
Total Short-Term Assets	$408.9M	$557.8M
Total Long-Term Assets	$1.608B	$1.444B
Total Assets	$2.017B	$2.002B
YoY Change	4.19%	4.51%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable	$66.19M	$58.60M
YoY Change	-39.55%	-44.06%
Accrued Expenses	$120.6M	$134.3M
YoY Change	-17.47%	-9.98%
Deferred Revenue
YoY Change
Short-Term Debt	$0.00	$0.00
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$328.2M	$346.7M
YoY Change	28.4%	36.53%
LONG-TERM LIABILITIES
Long-Term Debt	$1.040B	$1.003B
YoY Change	5.48%	9.19%
Other Long-Term Liabilities	$13.18M	$10.90M
YoY Change	-39.03%	-54.36%
Total Long-Term Liabilities	$1.054B	$1.014B
YoY Change	4.52%	7.58%
TOTAL LIABILITIES
Total Short-Term Liabilities	$328.2M	$346.7M
Total Long-Term Liabilities	$1.054B	$1.014B
Total Liabilities	$1.382B	$1.361B
YoY Change	9.35%	13.73%
SHAREHOLDERS EQUITY
Retained Earnings	-$282.6M	-$240.2M
YoY Change	565.76%	-1973.61%
Common Stock	$9.000K	$9.000K
YoY Change	12.5%	12.5%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity	$635.3M	$640.8M
YoY Change
Total Liabilities & Shareholders Equity	$2.017B	$2.002B
YoY Change	4.19%	4.51%

Cashflow Statement

Concept	2023 Q4	2023 Q3
OPERATING ACTIVITIES
Net Income	-$42.40M	-$40.32M
YoY Change	-23.28%	-28.29%
Depreciation, Depletion And Amortization	$9.103M	$3.900M
YoY Change	149.12%	44.44%
Cash From Operating Activities	-$143.7M	-$103.5M
YoY Change	-43.17%	2.11%
INVESTING ACTIVITIES
Capital Expenditures	$1.666M	$2.900M
YoY Change	-66.57%	-152.51%
Acquisitions
YoY Change
Other Investing Activities	-$28.23M	-$21.20M
YoY Change	-64.77%	13.22%
Cash From Investing Activities	-$29.89M	-$24.30M
YoY Change	-64.88%	0.21%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities	26.36M	232.8M
YoY Change	-34.95%	466.16%
NET CHANGE
Cash From Operating Activities	-143.7M	-103.5M
Cash From Investing Activities	-29.89M	-24.30M
Cash From Financing Activities	26.36M	232.8M
Net Change In Cash	-147.2M	105.0M
YoY Change	-50.5%	-224.27%
FREE CASH FLOW
Cash From Operating Activities	-$143.7M	-$103.5M
Capital Expenditures	$1.666M	$2.900M
Free Cash Flow	-$145.4M	-$106.4M
YoY Change	-43.62%	11.01%

Facts In Submission

Frame	Concept Type	Concept / XBRL Key	Value	Unit
CY2023Q3	upst	Beneficial Interest Asset Net BeneficialInterestAssetNet	36974000	usd
CY2022Q4	us-gaap	Accounts Payable Current And Noncurrent AccountsPayableCurrentAndNoncurrent	18715000	usd
CY2023Q3	us-gaap	Accounts Payable Current And Noncurrent AccountsPayableCurrentAndNoncurrent	7027000	usd
CY2022Q4	upst	Payable To Investors PayableToInvestors	90777000	usd
CY2023Q3	upst	Payable To Investors PayableToInvestors	51607000	usd
CY2022Q4	us-gaap	Debt Longterm And Shortterm Combined Amount DebtLongtermAndShorttermCombinedAmount	986394000	usd
CY2023Q3	us-gaap	Debt Longterm And Shortterm Combined Amount DebtLongtermAndShorttermCombinedAmount	1003392000	usd
CY2022Q4	upst	Beneficial Interest Asset Net BeneficialInterestAssetNet	0	usd
CY2022Q4	upst	Payable To Securitization Note Holders At Fair Value PayableToSecuritizationNoteHoldersAtFairValue	0	usd
CY2023Q3	upst	Payable To Securitization Note Holders At Fair Value PayableToSecuritizationNoteHoldersAtFairValue	153782000	usd
CY2022Q4	upst	Accrued Expenses And Other Liabilities Fair Value Disclosure AccruedExpensesAndOtherLiabilitiesFairValueDisclosure	8820000	usd
CY2023Q3	upst	Accrued Expenses And Other Liabilities Fair Value Disclosure AccruedExpensesAndOtherLiabilitiesFairValueDisclosure	7414000	usd
CY2022Q4	us-gaap	Accrued Liabilities And Other Liabilities AccruedLiabilitiesAndOtherLiabilities	66946000	usd
CY2023Q3	us-gaap	Accrued Liabilities And Other Liabilities AccruedLiabilitiesAndOtherLiabilities	51853000	usd
CY2022Q4	us-gaap	Operating Lease Liability OperatingLeaseLiability	100787000	usd
CY2023Q3	us-gaap	Operating Lease Liability OperatingLeaseLiability	93354000	usd
CY2022Q4	us-gaap	Liabilities Liabilities	1263619000	usd
CY2023Q3	us-gaap	Liabilities Liabilities	1361015000	usd
CY2022Q4	us-gaap	Common Stock Par Or Stated Value Per Share CommonStockParOrStatedValuePerShare	0.0001
CY2023Q3	us-gaap	Common Stock Par Or Stated Value Per Share CommonStockParOrStatedValuePerShare	0.0001
CY2022Q4	us-gaap	Common Stock Shares Authorized CommonStockSharesAuthorized	700000000	shares
CY2023Q3	us-gaap	Common Stock Shares Authorized CommonStockSharesAuthorized	700000000	shares
CY2023Q3	us-gaap	Common Stock Shares Outstanding CommonStockSharesOutstanding	85024889	shares
CY2023Q3	us-gaap	Common Stock Shares Issued CommonStockSharesIssued	85024889	shares
CY2022Q4	us-gaap	Common Stock Value CommonStockValue	8000	usd
CY2023Q3	us-gaap	Common Stock Value CommonStockValue	9000	usd
CY2022Q4	us-gaap	Additional Paid In Capital AdditionalPaidInCapital	714871000	usd
CY2023Q3	us-gaap	Additional Paid In Capital AdditionalPaidInCapital	880933000	usd
CY2022Q4	us-gaap	Retained Earnings Accumulated Deficit RetainedEarningsAccumulatedDeficit	-42444000	usd
CY2023Q3	us-gaap	Retained Earnings Accumulated Deficit RetainedEarningsAccumulatedDeficit	-240178000	usd
CY2022Q4	us-gaap	Stockholders Equity StockholdersEquity	672435000	usd
CY2023Q3	us-gaap	Stockholders Equity StockholdersEquity	640764000	usd
CY2022Q4	us-gaap	Liabilities And Stockholders Equity LiabilitiesAndStockholdersEquity	1936054000	usd
CY2023Q3	us-gaap	Liabilities And Stockholders Equity LiabilitiesAndStockholdersEquity	2001779000	usd
CY2023Q3	upst	Loans Held In Consolidated Securitization Fair Value Disclosure LoansHeldInConsolidatedSecuritizationFairValueDisclosure	196500000	usd
CY2022Q3	us-gaap	Revenue From Contract With Customer Excluding Assessed Tax RevenueFromContractWithCustomerExcludingAssessedTax	179348000	usd
CY2023Q3	us-gaap	Revenue From Contract With Customer Excluding Assessed Tax RevenueFromContractWithCustomerExcludingAssessedTax	146755000	usd
	us-gaap	Revenue From Contract With Customer Excluding Assessed Tax RevenueFromContractWithCustomerExcludingAssessedTax	751675000	usd
	us-gaap	Revenue From Contract With Customer Excluding Assessed Tax RevenueFromContractWithCustomerExcludingAssessedTax	407585000	usd
	us-gaap	Interest Income Operating InterestIncomeOperating	116923000	usd
CY2022Q3	us-gaap	Interest Expense InterestExpense	3050000	usd
CY2023Q3	us-gaap	Interest Expense InterestExpense	9414000	usd
	us-gaap	Interest Expense InterestExpense	6322000	usd
	us-gaap	Interest Expense InterestExpense	20828000	usd
	upst	Fair Value And Other Adjustments Net FairValueAndOtherAdjustmentsNet	130430000	usd
CY2022Q3	us-gaap	Revenue Not From Contract With Customer RevenueNotFromContractWithCustomer	-22115000	usd
CY2023Q3	us-gaap	Revenue Not From Contract With Customer RevenueNotFromContractWithCustomer	-12198000	usd
	us-gaap	Revenue Not From Contract With Customer RevenueNotFromContractWithCustomer	-56144000	usd
	us-gaap	Revenue Not From Contract With Customer RevenueNotFromContractWithCustomer	-34335000	usd
	us-gaap	Revenues Revenues	373250000	usd
	us-gaap	Selling And Marketing Expense SellingAndMarketingExpense	88371000	usd
	us-gaap	Operating Expenses OperatingExpenses	582274000	usd
	us-gaap	Operating Income Loss OperatingIncomeLoss	-209024000	usd
	us-gaap	Other Nonoperating Income Expense OtherNonoperatingIncomeExpense	11334000	usd
CY2022Q2	us-gaap	Stockholders Equity StockholdersEquity	757071000	usd
CY2022Q3	us-gaap	Stock Issued During Period Value Stock Options Exercised StockIssuedDuringPeriodValueStockOptionsExercised	1319000	usd
CY2022Q3	us-gaap	Stock Issued During Period Value Restricted Stock Award Gross StockIssuedDuringPeriodValueRestrictedStockAwardGross	-8000	usd
CY2022Q3	us-gaap	Stock Issued During Period Value Employee Stock Purchase Plan StockIssuedDuringPeriodValueEmployeeStockPurchasePlan	3231000	usd
CY2022Q3	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	25028000	usd
CY2021Q4	us-gaap	Stockholders Equity StockholdersEquity	807078000	usd
	us-gaap	Stock Issued During Period Value Stock Options Exercised StockIssuedDuringPeriodValueStockOptionsExercised	10726000	usd
	us-gaap	Stock Issued During Period Value Restricted Stock Award Gross StockIssuedDuringPeriodValueRestrictedStockAwardGross	-8000	usd
	us-gaap	Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	96582000	usd
	us-gaap	Stock Issued During Period Value Employee Stock Purchase Plan StockIssuedDuringPeriodValueEmployeeStockPurchasePlan	7662000	usd
	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	150070000	usd
	us-gaap	Net Income Loss NetIncomeLoss	-53402000	usd
CY2022Q3	us-gaap	Stockholders Equity StockholdersEquity	718568000	usd
CY2023Q2	us-gaap	Stockholders Equity StockholdersEquity	638145000	usd
CY2023Q3	us-gaap	Stock Issued During Period Value Stock Options Exercised StockIssuedDuringPeriodValueStockOptionsExercised	2803000	usd
CY2023Q3	us-gaap	Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	37428000	usd
CY2023Q3	us-gaap	Stock Issued During Period Value Employee Stock Purchase Plan StockIssuedDuringPeriodValueEmployeeStockPurchasePlan	2703000	usd
	us-gaap	Stock Issued During Period Value Stock Options Exercised StockIssuedDuringPeriodValueStockOptionsExercised	9475000	usd
	us-gaap	Adjustments Related To Tax Withholding For Share Based Compensation AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation	6000	usd
	us-gaap	Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	148163000	usd
	us-gaap	Stock Issued During Period Value Employee Stock Purchase Plan StockIssuedDuringPeriodValueEmployeeStockPurchasePlan	8431000	usd
	us-gaap	Net Income Loss NetIncomeLoss	-197734000	usd
CY2023Q3	us-gaap	Stockholders Equity StockholdersEquity	640764000	usd
	us-gaap	Net Income Loss NetIncomeLoss	-53402000	usd
	us-gaap	Net Income Loss NetIncomeLoss	-197734000	usd
	us-gaap	Increase Decrease In Financial Instruments Used In Operating Activities IncreaseDecreaseInFinancialInstrumentsUsedInOperatingActivities	-71056000	usd
	us-gaap	Increase Decrease In Financial Instruments Used In Operating Activities IncreaseDecreaseInFinancialInstrumentsUsedInOperatingActivities	-151317000	usd
	us-gaap	Share Based Compensation ShareBasedCompensation	92035000	usd
	us-gaap	Share Based Compensation ShareBasedCompensation	142273000	usd
	upst	Gain Loss On Loan Servicing Arrangements And Sale Of Noncontrolling Interests Net GainLossOnLoanServicingArrangementsAndSaleOfNoncontrollingInterestsNet	23770000	usd
	upst	Gain Loss On Loan Servicing Arrangements And Sale Of Noncontrolling Interests Net GainLossOnLoanServicingArrangementsAndSaleOfNoncontrollingInterestsNet	10432000	usd
	us-gaap	Depreciation Depletion And Amortization DepreciationDepletionAndAmortization	9859000	usd
	us-gaap	Depreciation Depletion And Amortization DepreciationDepletionAndAmortization	15800000	usd
	us-gaap	Paid In Kind Interest PaidInKindInterest	2294000	usd
	us-gaap	Paid In Kind Interest PaidInKindInterest	2296000	usd
	us-gaap	Other Noncash Income Expense OtherNoncashIncomeExpense	0	usd
	us-gaap	Other Noncash Income Expense OtherNoncashIncomeExpense	2260000	usd
	us-gaap	Payments To Purchase Loans Held For Sale PaymentsToPurchaseLoansHeldForSale	6978644000	usd
	us-gaap	Payments To Purchase Loans Held For Sale PaymentsToPurchaseLoansHeldForSale	2076734000	usd
	us-gaap	Proceeds From Sale Of Loans Held For Sale ProceedsFromSaleOfLoansHeldForSale	6374107000	usd
	us-gaap	Proceeds From Sale Of Loans Held For Sale ProceedsFromSaleOfLoansHeldForSale	1875358000	usd
	us-gaap	Proceeds From Collection Of Loans Held For Sale ProceedsFromCollectionOfLoansHeldForSale	104049000	usd
	us-gaap	Proceeds From Collection Of Loans Held For Sale ProceedsFromCollectionOfLoansHeldForSale	139582000	usd
	us-gaap	Proceeds From Securitizations Of Loans Held For Sale ProceedsFromSecuritizationsOfLoansHeldForSale	0	usd
	us-gaap	Proceeds From Securitizations Of Loans Held For Sale ProceedsFromSecuritizationsOfLoansHeldForSale	12302000	usd
	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	-8719000	usd
	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	-27000	usd
	upst	Increase Decrease In Operating Lease Liability And Right Of Use Asset IncreaseDecreaseInOperatingLeaseLiabilityAndRightOfUseAsset	7695000	usd
	upst	Increase Decrease In Operating Lease Liability And Right Of Use Asset IncreaseDecreaseInOperatingLeaseLiabilityAndRightOfUseAsset	1563000	usd
	us-gaap	Increase Decrease In Accounts Payable Trade IncreaseDecreaseInAccountsPayableTrade	3446000	usd
	us-gaap	Increase Decrease In Accounts Payable Trade IncreaseDecreaseInAccountsPayableTrade	-11699000	usd
	upst	Increase Decrease In Payable To Investors IncreaseDecreaseInPayableToInvestors	-13754000	usd
	upst	Increase Decrease In Payable To Investors IncreaseDecreaseInPayableToInvestors	-44919000	usd
	us-gaap	Increase Decrease In Accrued Liabilities And Other Operating Liabilities IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities	-25494000	usd
	us-gaap	Increase Decrease In Accrued Liabilities And Other Operating Liabilities IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities	-13521000	usd
	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	-421804000	usd
	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	-16781000	usd
	us-gaap	Payments To Acquire Loans Held For Investment PaymentsToAcquireLoansHeldForInvestment	55294000	usd
	us-gaap	Payments To Acquire Loans Held For Investment PaymentsToAcquireLoansHeldForInvestment	121294000	usd
	us-gaap	Proceeds From Sale Of Loans Held For Investment ProceedsFromSaleOfLoansHeldForInvestment	11993000	usd
	us-gaap	Proceeds From Sale Of Loans Held For Investment ProceedsFromSaleOfLoansHeldForInvestment	774000	usd
	us-gaap	Proceeds From Principal Repayments On Loans And Leases Held For Investment ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment	27711000	usd
	us-gaap	Proceeds From Principal Repayments On Loans And Leases Held For Investment ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment	78327000	usd
	us-gaap	Proceeds From Collection Of Notes Receivable ProceedsFromCollectionOfNotesReceivable	5508000	usd
	us-gaap	Proceeds From Collection Of Notes Receivable ProceedsFromCollectionOfNotesReceivable	3556000	usd
	upst	Acquisition Of Beneficial Interests AcquisitionOfBeneficialInterests	0	usd
	upst	Acquisition Of Beneficial Interests AcquisitionOfBeneficialInterests	39505000	usd
	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	7088000	usd
	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	1285000	usd
	us-gaap	Payments For Software PaymentsForSoftware	10842000	usd
	us-gaap	Payments For Software PaymentsForSoftware	9135000	usd
	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-29012000	usd
	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-88562000	usd
	us-gaap	Repayments Of Accounts Receivable Securitization RepaymentsOfAccountsReceivableSecuritization	0	usd
	us-gaap	Repayments Of Accounts Receivable Securitization RepaymentsOfAccountsReceivableSecuritization	10016000	usd
	us-gaap	Proceeds From Accounts Receivable Securitization ProceedsFromAccountsReceivableSecuritization	0	usd
	us-gaap	Proceeds From Accounts Receivable Securitization ProceedsFromAccountsReceivableSecuritization	165318000	usd
	us-gaap	Repayments Of Debt RepaymentsOfDebt	209079000	usd
	us-gaap	Proceeds From Issuance Of Shares Under Incentive And Share Based Compensation Plans ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlans	7662000	usd
	us-gaap	Proceeds From Issuance Of Shares Under Incentive And Share Based Compensation Plans ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlans	8431000	usd
	us-gaap	Proceeds From Stock Options Exercised ProceedsFromStockOptionsExercised	10726000	usd
	us-gaap	Proceeds From Stock Options Exercised ProceedsFromStockOptionsExercised	9475000	usd
	us-gaap	Payments Related To Tax Withholding For Share Based Compensation PaymentsRelatedToTaxWithholdingForShareBasedCompensation	8000	usd
	us-gaap	Payments Related To Tax Withholding For Share Based Compensation PaymentsRelatedToTaxWithholdingForShareBasedCompensation	6000	usd
	us-gaap	Payments For Repurchase Of Common Stock PaymentsForRepurchaseOfCommonStock	150070000	usd
	us-gaap	Payments For Repurchase Of Common Stock PaymentsForRepurchaseOfCommonStock	0	usd
	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	89501000	usd
	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	187904000	usd
	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect	-361315000	usd
	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect	82561000	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
CY2022Q3	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	829926000	usd
CY2023Q3	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	615028000	usd
	us-gaap	Interest Paid Net InterestPaidNet	7952000	usd
	us-gaap	Interest Paid Net InterestPaidNet	22481000	usd
	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	206000	usd
	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	-982000	usd
	upst	Securities Retained Under Consolidated Securitization Transaction SecuritiesRetainedUnderConsolidatedSecuritizationTransaction	0	usd
	upst	Securities Retained Under Consolidated Securitization Transaction SecuritiesRetainedUnderConsolidatedSecuritizationTransaction	44763000	usd
	upst	Issuance Of Beneficial Interests IssuanceOfBeneficialInterests	0	usd
	upst	Issuance Of Beneficial Interests IssuanceOfBeneficialInterests	5749000	usd
	us-gaap	Employee Service Share Based Compensation Allocation Of Recognized Period Costs Capitalized Amount EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount	4547000	usd
	us-gaap	Employee Service Share Based Compensation Allocation Of Recognized Period Costs Capitalized Amount EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount	5890000	usd
CY2022Q4	us-gaap	Cash Cash	422411000	usd
CY2023Q3	us-gaap	Cash Cash	516581000	usd
CY2022Q4	us-gaap	Restricted Cash RestrictedCash	110056000	usd
CY2023Q3	us-gaap	Restricted Cash RestrictedCash	98447000	usd
CY2022Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	532467000	usd
CY2023Q3	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	615028000	usd
	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 unaudited condensed 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 condensed 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 condensed 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. 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.
CY2022Q3	us-gaap	Revenue From Contract With Customer Excluding Assessed Tax RevenueFromContractWithCustomerExcludingAssessedTax	179348000	usd
CY2023Q3	us-gaap	Revenue From Contract With Customer Excluding Assessed Tax RevenueFromContractWithCustomerExcludingAssessedTax	146755000	usd
	us-gaap	Revenue From Contract With Customer Excluding Assessed Tax RevenueFromContractWithCustomerExcludingAssessedTax	751675000	usd
	us-gaap	Revenue From Contract With Customer Excluding Assessed Tax RevenueFromContractWithCustomerExcludingAssessedTax	407585000	usd
CY2022Q4	upst	Trailing Fee Liabilities Fair Value Disclosure TrailingFeeLiabilitiesFairValueDisclosure	4900000	usd
CY2023Q3	upst	Trailing Fee Liabilities Fair Value Disclosure TrailingFeeLiabilitiesFairValueDisclosure	4200000	usd
CY2022Q4	us-gaap	Capitalized Contract Cost Net CapitalizedContractCostNet	2600000	usd
CY2023Q3	us-gaap	Capitalized Contract Cost Net CapitalizedContractCostNet	2700000	usd
CY2022Q3	upst	Net Gain Loss Related To Loan Servicing Rights NetGainLossRelatedToLoanServicingRights	6038000	usd
CY2023Q3	upst	Net Gain Loss Related To Loan Servicing Rights NetGainLossRelatedToLoanServicingRights	3472000	usd
	upst	Net Gain Loss Related To Loan Servicing Rights NetGainLossRelatedToLoanServicingRights	23770000	usd
	upst	Net Gain Loss Related To Loan Servicing Rights NetGainLossRelatedToLoanServicingRights	10432000	usd
CY2022Q3	us-gaap	Interest Income Operating InterestIncomeOperating	22180000	usd
CY2023Q3	us-gaap	Interest Income Operating InterestIncomeOperating	37692000	usd
	us-gaap	Interest Income Operating InterestIncomeOperating	66288000	usd
	us-gaap	Interest Income Operating InterestIncomeOperating	116923000	usd
CY2022Q3	us-gaap	Interest Expense InterestExpense	3050000	usd
CY2023Q3	us-gaap	Interest Expense InterestExpense	9414000	usd
	us-gaap	Interest Expense InterestExpense	6322000	usd
	us-gaap	Interest Expense InterestExpense	20828000	usd
CY2022Q3	upst	Unrealized Gain Loss Charge Offs And Other Fair Value Adjustments Net UnrealizedGainLossChargeOffsAndOtherFairValueAdjustmentsNet	-20069000	usd
CY2023Q3	upst	Unrealized Gain Loss Charge Offs And Other Fair Value Adjustments Net UnrealizedGainLossChargeOffsAndOtherFairValueAdjustmentsNet	-37521000	usd
	upst	Unrealized Gain Loss Charge Offs And Other Fair Value Adjustments Net UnrealizedGainLossChargeOffsAndOtherFairValueAdjustmentsNet	-70855000	usd
	upst	Unrealized Gain Loss Charge Offs And Other Fair Value Adjustments Net UnrealizedGainLossChargeOffsAndOtherFairValueAdjustmentsNet	-108175000	usd
CY2022Q3	upst	Realized Gain Loss On Transfer Of Loans Net RealizedGainLossOnTransferOfLoansNet	-21176000	usd
CY2023Q3	upst	Realized Gain Loss On Transfer Of Loans Net RealizedGainLossOnTransferOfLoansNet	-2955000	usd
	upst	Realized Gain Loss On Transfer Of Loans Net RealizedGainLossOnTransferOfLoansNet	-45255000	usd
	upst	Realized Gain Loss On Transfer Of Loans Net RealizedGainLossOnTransferOfLoansNet	-22255000	usd
CY2022Q3	upst	Fair Value And Other Adjustments Net FairValueAndOtherAdjustmentsNet	41245000	usd
CY2023Q3	upst	Fair Value And Other Adjustments Net FairValueAndOtherAdjustmentsNet	40476000	usd
	upst	Fair Value And Other Adjustments Net FairValueAndOtherAdjustmentsNet	116110000	usd
	upst	Fair Value And Other Adjustments Net FairValueAndOtherAdjustmentsNet	130430000	usd
CY2022Q3	upst	Interest Income And Fair Value Adjustment Net InterestIncomeAndFairValueAdjustmentNet	-22115000	usd
CY2023Q3	upst	Interest Income And Fair Value Adjustment Net InterestIncomeAndFairValueAdjustmentNet	-12198000	usd
	upst	Interest Income And Fair Value Adjustment Net InterestIncomeAndFairValueAdjustmentNet	-56144000	usd
	upst	Interest Income And Fair Value Adjustment Net InterestIncomeAndFairValueAdjustmentNet	-34335000	usd
CY2023Q3	us-gaap	Financing Receivable Threshold Period Past Due FinancingReceivableThresholdPeriodPastDue	P120D
CY2022Q4	us-gaap	Financing Receivable Accrued Interest After Allowance For Credit Loss FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss	12800000	usd
CY2023Q3	us-gaap	Financing Receivable Accrued Interest After Allowance For Credit Loss FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss	12000000	usd
	us-gaap	Proceeds From Recoveries Of Loan Previously Charged Off ProceedsFromRecoveriesOfLoanPreviouslyChargedOff	0	usd
CY2022Q3	us-gaap	Proceeds From Recoveries Of Loan Previously Charged Off ProceedsFromRecoveriesOfLoanPreviouslyChargedOff	0	usd
CY2023Q3	us-gaap	Proceeds From Recoveries Of Loan Previously Charged Off ProceedsFromRecoveriesOfLoanPreviouslyChargedOff	2600000	usd
	us-gaap	Proceeds From Recoveries Of Loan Previously Charged Off ProceedsFromRecoveriesOfLoanPreviouslyChargedOff	4600000	usd
CY2023Q3	upst	Variable Interest Entity Qualitative Or Quantitative Information Number Of Variable Interest Entity VariableInterestEntityQualitativeOrQuantitativeInformationNumberOfVariableInterestEntity	2	variable_interest_entity
CY2022Q4	us-gaap	Derivative Assets DerivativeAssets	0	usd
CY2023Q3	upst	Beneficial Interests Maximum Loss Exposure BeneficialInterestsMaximumLossExposure	66100000	usd
CY2022Q4	upst	Beneficial Interest Asset Net BeneficialInterestAssetNet	0	usd
CY2023Q3	upst	Beneficial Interests Unpaid Principal Balance BeneficialInterestsUnpaidPrincipalBalance	1227371000	usd
CY2023Q3	upst	Beneficial Interest Asset Net BeneficialInterestAssetNet	36974000	usd
CY2022Q4	us-gaap	Loans Receivable Fair Value Disclosure LoansReceivableFairValueDisclosure	1010421000	usd
CY2023Q3	us-gaap	Loans Receivable Fair Value Disclosure LoansReceivableFairValueDisclosure	972336000	usd
CY2023Q3	us-gaap	Financing Receivable Threshold Period Past Due FinancingReceivableThresholdPeriodPastDue	P120D
CY2023Q3	us-gaap	Financing Receivable Threshold Period Past Due Writeoff FinancingReceivableThresholdPeriodPastDueWriteoff	P120D
CY2023Q3	upst	Payable To Securitization Note Holders At Fair Value PayableToSecuritizationNoteHoldersAtFairValue	153800000	usd
CY2023Q3	upst	Beneficial Interest Asset Net BeneficialInterestAssetNet	37000000	usd
CY2022Q4	upst	Beneficial Interest Asset Net BeneficialInterestAssetNet	0	usd
CY2023Q3	us-gaap	Goodwill Goodwill	67100000	usd
CY2023Q3	us-gaap	Other Receivables OtherReceivables	2786000	usd
CY2023Q3	us-gaap	Adjustment For Amortization AdjustmentForAmortization	1100000	usd
CY2022Q3	us-gaap	Adjustment For Amortization AdjustmentForAmortization	1100000	usd
	us-gaap	Adjustment For Amortization AdjustmentForAmortization	3200000	usd
	us-gaap	Adjustment For Amortization AdjustmentForAmortization	3200000	usd
CY2023Q3	us-gaap	Finite Lived Intangible Assets Amortization Expense Remainder Of Fiscal Year FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear	1069000	usd
CY2023Q3	us-gaap	Finite Lived Intangible Assets Amortization Expense Next Twelve Months FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths	1925000	usd
CY2023Q3	us-gaap	Finite Lived Intangible Assets Amortization Expense Year Two FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo	1142000	usd
CY2023Q3	us-gaap	Finite Lived Intangible Assets Amortization Expense Year Three FiniteLivedIntangibleAssetsAmortizationExpenseYearThree	1142000	usd
CY2023Q3	us-gaap	Finite Lived Intangible Assets Amortization Expense Year Four FiniteLivedIntangibleAssetsAmortizationExpenseYearFour	1142000	usd
CY2023Q3	upst	Finite Lived Intangible Asset Expected Amortization After Year Four FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour	5993000	usd
CY2023Q3	us-gaap	Finite Lived Intangible Assets Net FiniteLivedIntangibleAssetsNet	12413000	usd
CY2022Q4	us-gaap	Accrued Fees And Other Revenue Receivable AccruedFeesAndOtherRevenueReceivable	46652000	usd
CY2023Q3	us-gaap	Accrued Fees And Other Revenue Receivable AccruedFeesAndOtherRevenueReceivable	41191000	usd
CY2022Q4	us-gaap	Servicing Asset At Fair Value Amount ServicingAssetAtFairValueAmount	36467000	usd
CY2023Q3	us-gaap	Servicing Asset At Fair Value Amount ServicingAssetAtFairValueAmount	30091000	usd
CY2022Q4	us-gaap	Prepaid Expense Current And Noncurrent PrepaidExpenseCurrentAndNoncurrent	16740000	usd
CY2023Q3	us-gaap	Prepaid Expense Current And Noncurrent PrepaidExpenseCurrentAndNoncurrent	21052000	usd
CY2022Q4	us-gaap	Intangible Assets Net Excluding Goodwill IntangibleAssetsNetExcludingGoodwill	15631000	usd
CY2023Q3	us-gaap	Intangible Assets Net Excluding Goodwill IntangibleAssetsNetExcludingGoodwill	12425000	usd
CY2022Q4	us-gaap	Derivative Assets DerivativeAssets	0	usd
CY2023Q3	us-gaap	Derivative Assets DerivativeAssets	9796000	usd
CY2022Q4	us-gaap	Deposits Assets DepositsAssets	10002000	usd
CY2023Q3	us-gaap	Deposits Assets DepositsAssets	8666000	usd
CY2022Q4	us-gaap	Other Receivables OtherReceivables	6181000	usd
CY2022Q4	us-gaap	Other Assets Miscellaneous OtherAssetsMiscellaneous	22678000	usd
CY2023Q3	us-gaap	Other Assets Miscellaneous OtherAssetsMiscellaneous	17773000	usd
CY2022Q4	us-gaap	Other Assets OtherAssets	154351000	usd
CY2023Q3	us-gaap	Other Assets OtherAssets	143780000	usd
CY2022Q4	us-gaap	Property Plant And Equipment Gross PropertyPlantAndEquipmentGross	61327000	usd
CY2023Q3	us-gaap	Property Plant And Equipment Gross PropertyPlantAndEquipmentGross	77648000	usd
CY2022Q4	us-gaap	Accumulated Depreciation Depletion And Amortization Property Plant And Equipment AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment	17159000	usd
CY2023Q3	us-gaap	Accumulated Depreciation Depletion And Amortization Property Plant And Equipment AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment	29638000	usd
CY2022Q4	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	44168000	usd
CY2023Q3	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	48010000	usd
CY2022Q3	us-gaap	Depreciation Depreciation	2700000	usd
	us-gaap	Depreciation Depreciation	6700000	usd
CY2023Q3	us-gaap	Depreciation Depreciation	3900000	usd
	us-gaap	Depreciation Depreciation	12600000	usd
CY2022Q4	us-gaap	Capitalized Computer Software Net CapitalizedComputerSoftwareNet	27400000	usd
CY2023Q3	us-gaap	Capitalized Computer Software Net CapitalizedComputerSoftwareNet	32400000	usd
	us-gaap	Capitalized Computer Software Impairments1 CapitalizedComputerSoftwareImpairments1	2600000	usd
CY2023Q3	us-gaap	Capitalized Computer Software Impairments1 CapitalizedComputerSoftwareImpairments1	0	usd
CY2022Q4	us-gaap	Accrued Liabilities Current And Noncurrent AccruedLiabilitiesCurrentAndNoncurrent	23506000	usd
CY2023Q3	us-gaap	Accrued Liabilities Current And Noncurrent AccruedLiabilitiesCurrentAndNoncurrent	19689000	usd
CY2022Q4	us-gaap	Employee Related Liabilities Current And Noncurrent EmployeeRelatedLiabilitiesCurrentAndNoncurrent	21825000	usd
CY2023Q3	us-gaap	Employee Related Liabilities Current And Noncurrent EmployeeRelatedLiabilitiesCurrentAndNoncurrent	21303000	usd
CY2022Q4	us-gaap	Servicing Liability At Fair Value Amount ServicingLiabilityAtFairValueAmount	3968000	usd
CY2023Q3	us-gaap	Servicing Liability At Fair Value Amount ServicingLiabilityAtFairValueAmount	2393000	usd
CY2022Q4	upst	Trailing Fee Liability At Fair Value Amount TrailingFeeLiabilityAtFairValueAmount	4852000	usd
CY2023Q3	upst	Trailing Fee Liability At Fair Value Amount TrailingFeeLiabilityAtFairValueAmount	4173000	usd
CY2022Q4	us-gaap	Other Liabilities OtherLiabilities	12795000	usd
CY2023Q3	us-gaap	Other Liabilities OtherLiabilities	4295000	usd
CY2022Q4	us-gaap	Accrued Liabilities And Other Liabilities AccruedLiabilitiesAndOtherLiabilities	66946000	usd
CY2023Q3	us-gaap	Accrued Liabilities And Other Liabilities AccruedLiabilitiesAndOtherLiabilities	51853000	usd
CY2022Q4	upst	Long Term And Short Term Debt Gross LongTermAndShortTermDebtGross	997702000	usd
	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures And Expirations In Period ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriod	561920	shares
	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures And Expirations In Period Weighted Average Exercise Price ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice	31.78
CY2023Q3	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber	13014493	shares
CY2023Q3	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice	14.49
CY2023Q3	upst	Long Term And Short Term Debt Gross LongTermAndShortTermDebtGross	1012404000	usd
CY2022Q4	us-gaap	Debt Instrument Unamortized Discount DebtInstrumentUnamortizedDiscount	11308000	usd
CY2023Q3	us-gaap	Debt Instrument Unamortized Discount DebtInstrumentUnamortizedDiscount	9012000	usd
CY2022Q4	us-gaap	Debt Longterm And Shortterm Combined Amount DebtLongtermAndShorttermCombinedAmount	986394000	usd
CY2023Q3	us-gaap	Debt Longterm And Shortterm Combined Amount DebtLongtermAndShorttermCombinedAmount	1003392000	usd
CY2023Q3	upst	Long Term And Short Term Debt Maturity Remainder Of Fiscal Year LongTermAndShortTermDebtMaturityRemainderOfFiscalYear	0	usd
CY2023Q3	upst	Long Term And Short Term Debt Maturity Year One LongTermAndShortTermDebtMaturityYearOne	0	usd
CY2023Q3	upst	Long Term And Short Term Debt Maturity Year Two LongTermAndShortTermDebtMaturityYearTwo	180851000	usd
CY2023Q3	upst	Long Term And Short Term Debt Maturity Year Three LongTermAndShortTermDebtMaturityYearThree	831553000	usd
CY2023Q3	upst	Long Term And Short Term Debt Maturity Year Four LongTermAndShortTermDebtMaturityYearFour	0	usd
CY2023Q3	upst	Long Term And Short Term Debt Maturity After Year Four LongTermAndShortTermDebtMaturityAfterYearFour	0	usd
CY2023Q3	upst	Long Term And Short Term Debt Gross LongTermAndShortTermDebtGross	1012404000	usd
CY2020Q4	us-gaap	Common Stock Shares Authorized CommonStockSharesAuthorized	700000000	shares
CY2020Q4	us-gaap	Common Stock Par Or Stated Value Per Share CommonStockParOrStatedValuePerShare	0.0001
CY2022Q4	us-gaap	Common Stock Capital Shares Reserved For Future Issuance CommonStockCapitalSharesReservedForFutureIssuance	27666452	shares
CY2023Q3	us-gaap	Common Stock Capital Shares Reserved For Future Issuance CommonStockCapitalSharesReservedForFutureIssuance	28773991	shares
CY2022Q1	us-gaap	Stock Repurchase Program Authorized Amount1 StockRepurchaseProgramAuthorizedAmount1	400000000	usd
CY2023Q3	us-gaap	Stock Repurchase Program Remaining Authorized Repurchase Amount1 StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1	222100000	usd
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
	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross	2088207	shares
	us-gaap	Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice	15.37
	us-gaap	Stock Issued During Period Shares Stock Options Exercised StockIssuedDuringPeriodSharesStockOptionsExercised	1058804	shares
	us-gaap	Share Based Compensation Arrangements By Share Based Payment Award Options Exercises In Period Weighted Average Exercise Price ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice	8.95
	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Outstanding Weighted Average Remaining Contractual Term2 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2	P6Y3M18D
CY2023Q3	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Intrinsic Value ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue	235725000	usd
CY2023Q3	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Number ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber	8621628	shares
CY2023Q3	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Weighted Average Exercise Price ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice	8.71
	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Weighted Average Remaining Contractual Term1 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1	P5Y
CY2023Q3	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Intrinsic Value1 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1	188958000	usd
CY2023Q3	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Vested And Expected To Vest Outstanding Number ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber	13014493	shares
CY2023Q3	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Vested And Expected To Vest Outstanding Weighted Average Exercise Price ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice	14.49
	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested And Expected To Vest Outstanding Weighted Average Remaining Contractual Term1 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1	P6Y3M18D
CY2023Q3	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Vested And Expected To Vest Outstanding Aggregate Intrinsic Value ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue	235725000	usd
	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue	151700000	usd
	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue	18500000	usd
	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1	26400000	usd
	upst	Annual Target Bonus Opportunity Percentage Of Salary Percent AnnualTargetBonusOpportunityPercentageOfSalaryPercent	0.75
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	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Dividend Rate ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate	0
	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Volatility Rate Maximum ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMaximum	1.7935
	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Risk Free Interest Rate Maximum ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMaximum	0.0313
CY2022Q3	us-gaap	Allocated Share Based Compensation Expense AllocatedShareBasedCompensationExpense	36656000	usd
CY2023Q3	us-gaap	Allocated Share Based Compensation Expense AllocatedShareBasedCompensationExpense	35568000	usd
	us-gaap	Allocated Share Based Compensation Expense AllocatedShareBasedCompensationExpense	92035000	usd
	us-gaap	Allocated Share Based Compensation Expense AllocatedShareBasedCompensationExpense	142273000	usd
CY2023Q3	us-gaap	Letters Of Credit Outstanding Amount LettersOfCreditOutstandingAmount	3400000	usd
CY2023Q3	us-gaap	Lessee Operating Lease Liability Payments Remainder Of Fiscal Year LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear	3828000	usd
CY2023Q3	us-gaap	Lessee Operating Lease Liability Payments Due Next Twelve Months LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths	17054000	usd
CY2023Q3	us-gaap	Lessee Operating Lease Liability Payments Due Year Two LesseeOperatingLeaseLiabilityPaymentsDueYearTwo	17544000	usd
CY2023Q3	us-gaap	Lessee Operating Lease Liability Payments Due Year Three LesseeOperatingLeaseLiabilityPaymentsDueYearThree	18055000	usd
CY2023Q3	us-gaap	Lessee Operating Lease Liability Payments Due Year Four LesseeOperatingLeaseLiabilityPaymentsDueYearFour	17745000	usd
CY2023Q3	upst	Lessee Operating Lease Liability To Be Paid After Year Four LesseeOperatingLeaseLiabilityToBePaidAfterYearFour	34815000	usd
CY2023Q3	us-gaap	Lessee Operating Lease Liability Payments Due LesseeOperatingLeaseLiabilityPaymentsDue	109041000	usd
CY2023Q3	upst	Lessee Operating Lease Liability Tenant Improvement Receivable LesseeOperatingLeaseLiabilityTenantImprovementReceivable	2337000	usd
CY2023Q3	us-gaap	Lessee Operating Lease Liability Undiscounted Excess Amount LesseeOperatingLeaseLiabilityUndiscountedExcessAmount	13350000	usd
CY2023Q3	us-gaap	Operating Lease Liability OperatingLeaseLiability	93354000	usd
CY2022Q3	us-gaap	Operating Lease Cost OperatingLeaseCost	3961000	usd
CY2023Q3	us-gaap	Operating Lease Cost OperatingLeaseCost	4016000	usd
	us-gaap	Operating Lease Cost OperatingLeaseCost	11837000	usd
	us-gaap	Operating Lease Cost OperatingLeaseCost	12062000	usd
CY2022Q3	us-gaap	Variable Lease Cost VariableLeaseCost	936000	usd
CY2023Q3	us-gaap	Variable Lease Cost VariableLeaseCost	1016000	usd
	us-gaap	Variable Lease Cost VariableLeaseCost	2724000	usd
	us-gaap	Variable Lease Cost VariableLeaseCost	2936000	usd
CY2022Q3	us-gaap	Operating Lease Payments OperatingLeasePayments	3197000	usd
CY2023Q3	us-gaap	Operating Lease Payments OperatingLeasePayments	3803000	usd
	us-gaap	Operating Lease Payments OperatingLeasePayments	7967000	usd
	us-gaap	Operating Lease Payments OperatingLeasePayments	11263000	usd
CY2023Q3	us-gaap	Operating Lease Weighted Average Remaining Lease Term1 OperatingLeaseWeightedAverageRemainingLeaseTerm1	P6Y7M28D
CY2023Q3	us-gaap	Operating Lease Weighted Average Discount Rate Percent OperatingLeaseWeightedAverageDiscountRatePercent	0.0386
CY2022Q2	us-gaap	Loss Contingency New Claims Filed Number LossContingencyNewClaimsFiledNumber	2	lawsuit
CY2022Q3	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	12000	usd
CY2023Q3	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	10000	usd
	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	55000	usd
	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	44000	usd
CY2022Q3	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	-0.0002
CY2023Q3	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	-0.0003
	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	-0.0010
	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	-0.0002
CY2022Q3	us-gaap	Net Income Loss NetIncomeLoss	-56223000	usd
CY2023Q3	us-gaap	Net Income Loss NetIncomeLoss	-40315000	usd
	us-gaap	Net Income Loss NetIncomeLoss	-53402000	usd
	us-gaap	Net Income Loss NetIncomeLoss	-197734000	usd
CY2022Q3	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	81672099	shares
CY2023Q3	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	84404966	shares
	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	83236131	shares
	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	83158146	shares
CY2022Q3	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	81672099	shares
CY2023Q3	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	84404966	shares
	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	83236131	shares
	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	83158146	shares
CY2022Q3	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	-0.69
CY2023Q3	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	-0.48
	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	-0.64
	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	-2.38
CY2022Q3	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	-0.69
CY2023Q3	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	-0.48
	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	-0.64
	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	-2.38
CY2022Q3	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	19517922	shares
CY2023Q3	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	21915816	shares
	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	19517922	shares
	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	21915816	shares
CY2023Q3	ecd	Non Rule10b51 Arr Trmntd Flag NonRule10b51ArrTrmntdFlag	false
CY2023Q3	ecd	Rule10b51 Arr Trmntd Flag Rule10b51ArrTrmntdFlag	false
CY2023Q3	ecd	Non Rule10b51 Arr Adopted Flag NonRule10b51ArrAdoptedFlag	false

Files In Submission

Name	View Source	Status
upst-20230930_lab.xml	Edgar Link	unprocessable
upst-20230930_def.xml	Edgar Link	unprocessable
0001647639-23-000051-index-headers.html	Edgar Link	pending
0001647639-23-000051-index.html	Edgar Link	pending
0001647639-23-000051.txt	Edgar Link	pending
0001647639-23-000051-xbrl.zip	Edgar Link	pending
exhibit311q32023.htm	Edgar Link	pending
exhibit312q32023.htm	Edgar Link	pending
exhibit321q32023.htm	Edgar Link	pending
Financial_Report.xlsx	Edgar Link	pending
MetaLinks.json	Edgar Link	pending
R1.htm	Edgar Link	pending
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FilingSummary.xml	Edgar Link	unprocessable
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report.css	Edgar Link	pending
Show.js	Edgar Link	pending
upst-20230930.htm	Edgar Link	pending
upst-20230930.xsd	Edgar Link	pending
upst-20230930_g1.jpg	Edgar Link	pending
upst-20230930_cal.xml	Edgar Link	unprocessable
upst-20230930_pre.xml	Edgar Link	unprocessable
upst-20230930_htm.xml	Edgar Link	completed

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$UPST
Upstart Holdings, Inc. Stock $upst

2023 Q4 Form 10-Q Financial Statement

#000164763923000051 Filed on November 08, 2023

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$UPST Upstart Holdings, Inc. Stock $upst

2023 Q4 Form 10-Q Financial Statement

#000164763923000051 Filed on November 08, 2023

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$UPST
Upstart Holdings, Inc. Stock $upst