$UPST
Upstart Holdings, Inc. Stock $upst

$upst Overview Financials Valuation SEC Filings Company Website

2024 Q1 Form 10-K Financial Statement

#000164763924000009 Filed on February 15, 2024

Income Statement

Concept	2024 Q1	2023 Q4	2023
Revenue	$127.8M	$140.3M	$513.6M
YoY Change	24.16%	-9.82%	-39.04%
Cost Of Revenue	$39.41M	$36.12M	$150.4M
YoY Change	-2.91%	-16.95%	-19.99%
Gross Profit	$88.39M	$104.2M	$363.1M
YoY Change	15.46%	-7.06%	-49.51%
Gross Profit Margin	69.16%	74.26%	70.71%
Selling, General & Admin	$92.76M	$94.54M	$339.5M
YoY Change	10.3%	-3.42%	-36.07%
% of Gross Profit	104.95%	90.74%	93.5%
Research & Development	$63.09M	$57.15M	$280.1M
YoY Change	-42.68%	-10.74%	18.08%
% of Gross Profit	71.38%	54.85%	77.14%
Depreciation & Amortization	$5.632M	$9.103M	$24.90M
YoY Change	-12.56%	149.12%	84.29%
% of Gross Profit	6.37%	8.74%	6.86%
Operating Expenses	$195.3M	$151.7M	$770.1M
YoY Change	-16.83%	-6.32%	-19.47%
Operating Profit	-$67.47M	-$47.50M	-$256.5M
YoY Change	-48.82%	-4.64%	125.29%
Interest Expense	$10.71M	-$4.706M	$34.89M
YoY Change	50.22%	-45.81%	221.81%
% of Operating Profit
Other Income/Expense, Net	$2.884M	$5.166M	$21.21M
YoY Change	11.05%	86.43%	123.86%
Pretax Income	-$64.58M	-$42.34M	-$240.0M
YoY Change	-50.03%	-24.03%	119.98%
Income Tax	$14.00K	$63.00K	$107.0K
% Of Pretax Income
Net Earnings	-$64.60M	-$42.40M	-$240.1M
YoY Change	-50.02%	-23.28%	120.98%
Net Earnings / Revenue	-50.55%	-30.22%	-46.76%
Basic Earnings Per Share	-$0.74		-$2.87
Diluted Earnings Per Share	-$0.74	-$0.50	-$2.87
COMMON SHARES
Basic Shares Outstanding	86.43M shares	85.06M shares	83.77M shares
Diluted Shares Outstanding	87.03M shares		83.77M shares

Balance Sheet

Concept	2024 Q1	2023 Q4	2023
SHORT-TERM ASSETS
Cash & Short-Term Investments	$300.5M	$368.4M	$368.4M
YoY Change	-22.33%	-12.79%	-12.79%
Cash & Equivalents	$439.2M	$467.8M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets	$341.2M	$408.9M	$408.9M
YoY Change	-20.64%	-12.83%	-12.83%
LONG-TERM ASSETS
Property, Plant & Equipment	$40.56M	$42.66M	$97.35M
YoY Change	-13.67%	-3.43%	-25.4%
Goodwill	$67.10M	$67.10M
YoY Change	0.0%	0.0%
Intangibles	$10.29M	$11.36M
YoY Change	-29.36%	-27.35%
Long-Term Investments	$41.25M	$41.25M	$41.25M
YoY Change	0.0%	0.0%	0.0%
Other Assets	$161.6M	$117.4M	$117.4M
YoY Change	85.89%	-7.44%	-7.44%
Total Long-Term Assets	$1.587B	$1.608B	$1.608B
YoY Change	13.99%	9.63%	9.63%
TOTAL ASSETS
Total Short-Term Assets	$341.2M	$408.9M	$408.9M
Total Long-Term Assets	$1.587B	$1.608B	$1.608B
Total Assets	$1.928B	$2.017B	$2.017B
YoY Change	5.82%	4.19%	4.19%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable	$69.10M	$66.19M	$66.19M
YoY Change	45.16%	-39.55%	-39.55%
Accrued Expenses	$94.76M	$120.6M	$120.6M
YoY Change	-27.92%	-17.47%	-17.47%
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	$293.0M	$328.2M	$328.2M
YoY Change	63.59%	28.4%	28.4%
LONG-TERM LIABILITIES
Long-Term Debt	$1.005B	$1.040B	$1.040B
YoY Change	0.44%	5.48%	5.48%
Other Long-Term Liabilities	$16.64M	$13.18M	$13.18M
YoY Change	14.22%	-39.03%	-39.03%
Total Long-Term Liabilities	$1.022B	$1.054B	$1.054B
YoY Change	0.64%	4.52%	4.52%
TOTAL LIABILITIES
Total Short-Term Liabilities	$293.0M	$328.2M	$328.2M
Total Long-Term Liabilities	$1.022B	$1.054B	$1.054B
Total Liabilities	$1.315B	$1.382B	$1.382B
YoY Change	10.08%	9.35%	9.35%
SHAREHOLDERS EQUITY
Retained Earnings	-$347.2M	-$282.6M
YoY Change	102.2%	565.76%
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	$612.8M	$635.3M	$635.3M
YoY Change
Total Liabilities & Shareholders Equity	$1.928B	$2.017B	$2.017B
YoY Change	5.82%	4.19%	4.19%

Cashflow Statement

Concept	2024 Q1	2023 Q4	2023
OPERATING ACTIVITIES
Net Income	-$64.60M	-$42.40M	-$240.1M
YoY Change	-50.02%	-23.28%	120.98%
Depreciation, Depletion And Amortization	$5.632M	$9.103M	$24.90M
YoY Change	-12.56%	149.12%	84.29%
Cash From Operating Activities	$52.62M	-$143.7M	-$160.5M
YoY Change	-169.49%	-43.17%	-76.21%
INVESTING ACTIVITIES
Capital Expenditures	$684.0K	$1.666M	$1.527M
YoY Change	-38.43%	-66.57%	-82.7%
Acquisitions			$0.00
YoY Change
Other Investing Activities	-$35.80M	-$28.23M	-$106.4M
YoY Change	75.53%	-64.77%	16.62%
Cash From Investing Activities	-$37.55M	-$29.89M	-$118.5M
YoY Change	45.24%	-64.88%	3.79%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net			$0.00
YoY Change			-100.0%
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities	-$43.71M	26.36M	$214.3M
YoY Change	-308.44%	-34.95%	64.78%
NET CHANGE
Cash From Operating Activities	$52.62M	-143.7M	-$160.5M
Cash From Investing Activities	-$37.55M	-29.89M	-$118.5M
Cash From Financing Activities	-$43.71M	26.36M	$214.3M
Net Change In Cash	-$28.64M	-147.2M	-$64.68M
YoY Change	-64.47%	-50.5%	-90.18%
FREE CASH FLOW
Cash From Operating Activities	$52.62M	-$143.7M	-$160.5M
Capital Expenditures	$684.0K	$1.666M	$1.527M
Free Cash Flow	$51.94M	-$145.4M	-$162.0M
YoY Change	-167.59%	-43.62%	-76.3%

Facts In Submission

Frame	Concept Type	Concept / XBRL Key	Value	Unit
CY2021	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	78106359	shares
CY2022	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	82771268	shares
CY2021	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	94772641	shares
CY2022	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	82771268	shares
CY2020Q4	us-gaap	Stockholders Equity StockholdersEquity	300252000	usd
CY2021	us-gaap	Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	76327000	usd
CY2022	us-gaap	Research And Development Expense ResearchAndDevelopmentExpense	237247000	usd
CY2023	us-gaap	General And Administrative Expense GeneralAndAdministrativeExpense	212388000	usd
CY2021Q4	us-gaap	Stockholders Equity StockholdersEquity	807078000	usd
CY2022	us-gaap	Payments To Acquire Other Investments PaymentsToAcquireOtherInvestments	1250000	usd
CY2022	us-gaap	Proceeds From Issuance Of Debt ProceedsFromIssuanceOfDebt	688813000	usd
CY2021	us-gaap	Repayments Of Debt RepaymentsOfDebt	71316000	usd
CY2023	dei	Amendment Flag AmendmentFlag	false
CY2023	dei	Document Fiscal Year Focus DocumentFiscalYearFocus	2023
CY2023	dei	Document Fiscal Period Focus DocumentFiscalPeriodFocus	FY
CY2023	dei	Entity Central Index Key EntityCentralIndexKey	0001647639
CY2022Q4	us-gaap	Financing Receivable Accrued Interest After Allowance For Credit Loss Statement Of Financial Position Extensible List FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList	http://fasb.org/us-gaap/2023#NotesReceivableNet
CY2023Q4	us-gaap	Financing Receivable Accrued Interest After Allowance For Credit Loss Statement Of Financial Position Extensible List FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList	http://fasb.org/us-gaap/2023#NotesReceivableNet
CY2023	dei	Document Annual Report DocumentAnnualReport	true
CY2023	dei	Document Period End Date DocumentPeriodEndDate	2023-12-31
CY2023	dei	Current Fiscal Year End Date CurrentFiscalYearEndDate	--12-31
CY2023	dei	Document Transition Report DocumentTransitionReport	false
CY2023	dei	Entity File Number EntityFileNumber	001-39797
CY2023	dei	Entity Registrant Name EntityRegistrantName	Upstart Holdings, Inc.
CY2023	dei	Entity Incorporation State Country Code EntityIncorporationStateCountryCode	DE
CY2023	dei	Entity Tax Identification Number EntityTaxIdentificationNumber	46-4332431
CY2023	dei	Entity Address Address Line1 EntityAddressAddressLine1	2950 S. Delaware Street
CY2023	dei	Entity Address Address Line2 EntityAddressAddressLine2	Suite 410
CY2023	dei	Entity Address City Or Town EntityAddressCityOrTown	San Mateo
CY2023	dei	Entity Address State Or Province EntityAddressStateOrProvince	CA
CY2023	dei	Entity Address Postal Zip Code EntityAddressPostalZipCode	94403
CY2023	dei	City Area Code CityAreaCode	833
CY2023	dei	Local Phone Number LocalPhoneNumber	212-2461
CY2023	dei	Security12b Title Security12bTitle	Common Stock, par value $0.0001 per share
CY2023	dei	Trading Symbol TradingSymbol	UPST
CY2023	dei	Security Exchange Name SecurityExchangeName	NASDAQ
CY2023	dei	Entity Well Known Seasoned Issuer EntityWellKnownSeasonedIssuer	Yes
CY2023	dei	Entity Voluntary Filers EntityVoluntaryFilers	No
CY2023	dei	Entity Current Reporting Status EntityCurrentReportingStatus	Yes
CY2023	dei	Entity Interactive Data Current EntityInteractiveDataCurrent	Yes
CY2023	dei	Entity Filer Category EntityFilerCategory	Large Accelerated Filer
CY2023	dei	Entity Small Business EntitySmallBusiness	false
CY2023	dei	Entity Emerging Growth Company EntityEmergingGrowthCompany	false
CY2023	dei	Icfr Auditor Attestation Flag IcfrAuditorAttestationFlag	true
CY2023	dei	Document Fin Stmt Error Correction Flag DocumentFinStmtErrorCorrectionFlag	false
CY2023	dei	Entity Shell Company EntityShellCompany	false
CY2023Q2	dei	Entity Public Float EntityPublicFloat	2594276077	usd
CY2024Q1	dei	Entity Common Stock Shares Outstanding EntityCommonStockSharesOutstanding	86430264	shares
CY2023	dei	Auditor Firm AuditorFirmId	34
CY2023	dei	Auditor Name AuditorName	Deloitte & Touche LLP
CY2023	dei	Auditor Location AuditorLocation	San Francisco, California
CY2022Q4	us-gaap	Cash Cash	422411000	usd
CY2023Q4	us-gaap	Cash Cash	368405000	usd
CY2022Q4	us-gaap	Restricted Cash RestrictedCash	110056000	usd
CY2023Q4	us-gaap	Restricted Cash RestrictedCash	99382000	usd
CY2022Q4	us-gaap	Notes Receivable Net NotesReceivableNet	1010421000	usd
CY2023Q4	us-gaap	Notes Receivable Net NotesReceivableNet	1156413000	usd
CY2022Q4	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	44168000	usd
CY2023Q4	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	42655000	usd
CY2022Q4	us-gaap	Operating Lease Right Of Use Asset OperatingLeaseRightOfUseAsset	86335000	usd
CY2023Q4	us-gaap	Operating Lease Right Of Use Asset OperatingLeaseRightOfUseAsset	54694000	usd
CY2022Q4	upst	Beneficial Interest Asset BeneficialInterestAsset	0	usd
CY2023Q4	upst	Beneficial Interest Asset BeneficialInterestAsset	41012000	usd
CY2022Q4	us-gaap	Equity Securities Without Readily Determinable Fair Value Amount EquitySecuritiesWithoutReadilyDeterminableFairValueAmount	41250000	usd
CY2023Q4	us-gaap	Equity Securities Without Readily Determinable Fair Value Amount EquitySecuritiesWithoutReadilyDeterminableFairValueAmount	41250000	usd
CY2022Q4	us-gaap	Goodwill Goodwill	67062000	usd
CY2023Q4	us-gaap	Goodwill Goodwill	67062000	usd
CY2022Q4	us-gaap	Other Assets Fair Value Disclosure OtherAssetsFairValueDisclosure	42648000	usd
CY2023Q4	us-gaap	Other Assets Fair Value Disclosure OtherAssetsFairValueDisclosure	48897000	usd
CY2022Q4	us-gaap	Other Assets OtherAssets	154351000	usd
CY2023Q4	us-gaap	Other Assets OtherAssets	146227000	usd
CY2022Q4	us-gaap	Assets Assets	1936054000	usd
CY2023Q4	us-gaap	Assets Assets	2017100000	usd
CY2022Q4	us-gaap	Accounts Payable Current And Noncurrent AccountsPayableCurrentAndNoncurrent	18715000	usd
CY2023Q4	us-gaap	Accounts Payable Current And Noncurrent AccountsPayableCurrentAndNoncurrent	12613000	usd
CY2022Q4	upst	Payable To Investors PayableToInvestors	90777000	usd
CY2023Q4	upst	Payable To Investors PayableToInvestors	53580000	usd
CY2022Q4	us-gaap	Debt Longterm And Shortterm Combined Amount DebtLongtermAndShorttermCombinedAmount	986394000	usd
CY2023Q4	us-gaap	Debt Longterm And Shortterm Combined Amount DebtLongtermAndShorttermCombinedAmount	1040424000	usd
CY2022Q4	upst	Payable To Securitization Note Holders At Fair Value PayableToSecuritizationNoteHoldersAtFairValue	0	usd
CY2023Q4	upst	Payable To Securitization Note Holders At Fair Value PayableToSecuritizationNoteHoldersAtFairValue	141416000	usd
CY2022Q4	upst	Accrued Expenses And Other Liabilities Fair Value Disclosure AccruedExpensesAndOtherLiabilitiesFairValueDisclosure	8820000	usd
CY2023Q4	upst	Accrued Expenses And Other Liabilities Fair Value Disclosure AccruedExpensesAndOtherLiabilitiesFairValueDisclosure	10510000	usd
CY2022Q4	us-gaap	Accrued Liabilities And Other Liabilities AccruedLiabilitiesAndOtherLiabilities	66946000	usd
CY2023Q4	us-gaap	Accrued Liabilities And Other Liabilities AccruedLiabilitiesAndOtherLiabilities	71438000	usd
CY2022Q4	us-gaap	Operating Lease Liability OperatingLeaseLiability	100787000	usd
CY2023Q4	us-gaap	Operating Lease Liability OperatingLeaseLiability	62324000	usd
CY2022Q4	us-gaap	Liabilities Liabilities	1263619000	usd
CY2023Q4	us-gaap	Liabilities Liabilities	1381795000	usd
CY2022Q4	us-gaap	Common Stock Par Or Stated Value Per Share CommonStockParOrStatedValuePerShare	0.0001
CY2023Q4	us-gaap	Common Stock Par Or Stated Value Per Share CommonStockParOrStatedValuePerShare	0.0001
CY2022Q4	us-gaap	Common Stock Shares Authorized CommonStockSharesAuthorized	700000000	shares
CY2023Q4	us-gaap	Common Stock Shares Authorized CommonStockSharesAuthorized	700000000	shares
CY2022Q4	us-gaap	Common Stock Shares Outstanding CommonStockSharesOutstanding	81259676	shares
CY2022Q4	us-gaap	Common Stock Shares Issued CommonStockSharesIssued	81259676	shares
CY2023Q4	us-gaap	Common Stock Shares Outstanding CommonStockSharesOutstanding	86330303	shares
CY2023Q4	us-gaap	Common Stock Shares Issued CommonStockSharesIssued	86330303	shares
CY2022Q4	us-gaap	Common Stock Value CommonStockValue	8000	usd
CY2023Q4	us-gaap	Common Stock Value CommonStockValue	9000	usd
CY2022Q4	us-gaap	Additional Paid In Capital AdditionalPaidInCapital	714871000	usd
CY2023Q4	us-gaap	Additional Paid In Capital AdditionalPaidInCapital	917872000	usd
CY2022Q4	us-gaap	Retained Earnings Accumulated Deficit RetainedEarningsAccumulatedDeficit	-42444000	usd
CY2023Q4	us-gaap	Retained Earnings Accumulated Deficit RetainedEarningsAccumulatedDeficit	-282576000	usd
CY2022Q4	us-gaap	Stockholders Equity StockholdersEquity	672435000	usd
CY2023Q4	us-gaap	Stockholders Equity StockholdersEquity	635305000	usd
CY2022Q4	us-gaap	Liabilities And Stockholders Equity LiabilitiesAndStockholdersEquity	1936054000	usd
CY2023Q4	us-gaap	Liabilities And Stockholders Equity LiabilitiesAndStockholdersEquity	2017100000	usd
CY2023Q4	upst	Loans Held In Consolidated Securitization Fair Value Disclosure LoansHeldInConsolidatedSecuritizationFairValueDisclosure	179100000	usd
CY2022Q4	upst	Loans Held In Consolidated Securitization Fair Value Disclosure LoansHeldInConsolidatedSecuritizationFairValueDisclosure	0	usd
CY2021	upst	Revenue From Fees Net RevenueFromFeesNet	801275000	usd
CY2022	upst	Revenue From Fees Net RevenueFromFeesNet	907272000	usd
CY2023	upst	Revenue From Fees Net RevenueFromFeesNet	560431000	usd
CY2021	us-gaap	Interest Income Operating InterestIncomeOperating	20634000	usd
CY2022	us-gaap	Interest Income Operating InterestIncomeOperating	105580000	usd
CY2023	us-gaap	Interest Income Operating InterestIncomeOperating	168996000	usd
CY2021	us-gaap	Interest Expense InterestExpense	3274000	usd
CY2022	us-gaap	Interest Expense InterestExpense	10843000	usd
CY2023	us-gaap	Interest Expense InterestExpense	34894000	usd
CY2021	upst	Fair Value And Other Adjustments Net FairValueAndOtherAdjustmentsNet	-29954000	usd
CY2022	upst	Fair Value And Other Adjustments Net FairValueAndOtherAdjustmentsNet	159565000	usd
CY2023	upst	Fair Value And Other Adjustments Net FairValueAndOtherAdjustmentsNet	180971000	usd
CY2021	us-gaap	Interest Income Expense Net InterestIncomeExpenseNet	47314000	usd
CY2022	us-gaap	Interest Income Expense Net InterestIncomeExpenseNet	-64828000	usd
CY2023	us-gaap	Interest Income Expense Net InterestIncomeExpenseNet	-46869000	usd
CY2021	us-gaap	Revenues Revenues	848589000	usd
CY2022	us-gaap	Revenues Revenues	842444000	usd
CY2023	us-gaap	Revenues Revenues	513562000	usd
CY2021	us-gaap	Selling And Marketing Expense SellingAndMarketingExpense	333453000	usd
CY2022	us-gaap	Selling And Marketing Expense SellingAndMarketingExpense	345776000	usd
CY2023	us-gaap	Selling And Marketing Expense SellingAndMarketingExpense	127143000	usd
CY2021	upst	Customer Operations Expense CustomerOperationsExpense	117579000	usd
CY2022	upst	Customer Operations Expense CustomerOperationsExpense	187994000	usd
CY2023	upst	Customer Operations Expense CustomerOperationsExpense	150418000	usd
CY2023	us-gaap	Research And Development Expense ResearchAndDevelopmentExpense	280138000	usd
CY2021	us-gaap	Other Nonoperating Income Expense OtherNonoperatingIncomeExpense	-5174000	usd
CY2021	upst	Income Expense On Convertible Notes IncomeExpenseOnConvertibleNotes	-1976000	usd
CY2022	upst	Income Expense On Convertible Notes IncomeExpenseOnConvertibleNotes	-4684000	usd
CY2023	upst	Income Expense On Convertible Notes IncomeExpenseOnConvertibleNotes	-4706000	usd
CY2021	us-gaap	Net Income Loss NetIncomeLoss	135443000	usd
CY2021	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	1.73
CY2022	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	-1.31
CY2021	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	1.43
CY2022	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	-1.31
CY2023	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	-2.87
CY2023	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	83765896	shares
CY2023	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	83765896	shares
CY2021	us-gaap	Stock Issued During Period Value Stock Options Exercised StockIssuedDuringPeriodValueStockOptionsExercised	14736000	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	upst	Adjustments To Additional Paid In Capital Purchase Of Capped Call Transactions AdjustmentsToAdditionalPaidInCapitalPurchaseOfCappedCallTransactions	58523000	usd
CY2021	us-gaap	Net Income Loss NetIncomeLoss	135443000	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 Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	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	Net Income Loss NetIncomeLoss	-108665000	usd
CY2022Q4	us-gaap	Stockholders Equity StockholdersEquity	672435000	usd
CY2023	us-gaap	Stock Issued During Period Value Stock Options Exercised StockIssuedDuringPeriodValueStockOptionsExercised	12881000	usd
CY2023	us-gaap	Adjustments Related To Tax Withholding For Share Based Compensation AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation	15000	usd
CY2023	us-gaap	Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	181705000	usd
CY2023	us-gaap	Stock Issued During Period Value Employee Stock Purchase Plan StockIssuedDuringPeriodValueEmployeeStockPurchasePlan	8431000	usd
CY2023	us-gaap	Net Income Loss NetIncomeLoss	-240132000	usd
CY2023Q4	us-gaap	Stockholders Equity StockholdersEquity	635305000	usd
CY2022	us-gaap	Net Income Loss NetIncomeLoss	-108665000	usd
CY2023	us-gaap	Net Income Loss NetIncomeLoss	-240132000	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
CY2023	us-gaap	Increase Decrease In Financial Instruments Used In Operating Activities IncreaseDecreaseInFinancialInstrumentsUsedInOperatingActivities	-234822000	usd
CY2021	us-gaap	Share Based Compensation ShareBasedCompensation	73186000	usd
CY2022	us-gaap	Share Based Compensation ShareBasedCompensation	125945000	usd
CY2023	us-gaap	Share Based Compensation ShareBasedCompensation	175039000	usd
CY2021	upst	Gain Loss On Loan Servicing Rights And Sale Of Noncontrolling Interests Net GainLossOnLoanServicingRightsAndSaleOfNoncontrollingInterestsNet	6916000	usd
CY2022	upst	Gain Loss On Loan Servicing Rights And Sale Of Noncontrolling Interests Net GainLossOnLoanServicingRightsAndSaleOfNoncontrollingInterestsNet	28739000	usd
CY2023	upst	Gain Loss On Loan Servicing Rights And Sale Of Noncontrolling Interests Net GainLossOnLoanServicingRightsAndSaleOfNoncontrollingInterestsNet	13713000	usd
CY2021	us-gaap	Depreciation Depletion And Amortization DepreciationDepletionAndAmortization	7541000	usd
CY2022	us-gaap	Depreciation Depletion And Amortization DepreciationDepletionAndAmortization	13513000	usd
CY2023	us-gaap	Depreciation Depletion And Amortization DepreciationDepletionAndAmortization	24903000	usd
CY2021	us-gaap	Paid In Kind Interest PaidInKindInterest	1983000	usd
CY2022	us-gaap	Paid In Kind Interest PaidInKindInterest	3047000	usd
CY2023	us-gaap	Paid In Kind Interest PaidInKindInterest	3057000	usd
CY2021	us-gaap	Other Noncash Income Expense OtherNoncashIncomeExpense	0	usd
CY2022	us-gaap	Other Noncash Income Expense OtherNoncashIncomeExpense	0	usd
CY2023	us-gaap	Other Noncash Income Expense OtherNoncashIncomeExpense	3869000	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
CY2023	us-gaap	Payments To Purchase Loans Held For Sale PaymentsToPurchaseLoansHeldForSale	3006510000	usd
CY2021	us-gaap	Payments To Acquire Restricted Certificates Of Deposit PaymentsToAcquireRestrictedCertificatesOfDeposit	0	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
CY2023	us-gaap	Proceeds From Sale Of Loans Held For Sale ProceedsFromSaleOfLoansHeldForSale	2514627000	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
CY2023	us-gaap	Proceeds From Collection Of Loans Held For Sale ProceedsFromCollectionOfLoansHeldForSale	189746000	usd
CY2021	us-gaap	Proceeds From Securitizations Of Loans Held For Sale ProceedsFromSecuritizationsOfLoansHeldForSale	0	usd
CY2022	us-gaap	Proceeds From Securitizations Of Loans Held For Sale ProceedsFromSecuritizationsOfLoansHeldForSale	0	usd
CY2023	us-gaap	Proceeds From Securitizations Of Loans Held For Sale ProceedsFromSecuritizationsOfLoansHeldForSale	24832000	usd
CY2021	upst	Settlement Of Beneficial Interest Liabilities SettlementOfBeneficialInterestLiabilities	0	usd
CY2022	upst	Settlement Of Beneficial Interest Liabilities SettlementOfBeneficialInterestLiabilities	0	usd
CY2023	upst	Settlement Of Beneficial Interest Liabilities SettlementOfBeneficialInterestLiabilities	596000	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
CY2023	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	8932000	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
CY2023	upst	Increase Decrease In Operating Lease Liability And Right Of Use Asset IncreaseDecreaseInOperatingLeaseLiabilityAndRightOfUseAsset	-6822000	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
CY2023	us-gaap	Increase Decrease In Accounts Payable Trade IncreaseDecreaseInAccountsPayableTrade	-6127000	usd
CY2021	upst	Increase Decrease In Payable To Investors IncreaseDecreaseInPayableToInvestors	62097000	usd
CY2022	upst	Increase Decrease In Payable To Investors IncreaseDecreaseInPayableToInvestors	-16821000	usd
CY2023	upst	Increase Decrease In Payable To Investors IncreaseDecreaseInPayableToInvestors	-42989000	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
CY2023	us-gaap	Increase Decrease In Accrued Liabilities And Other Operating Liabilities IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities	2171000	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
CY2023	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	-160493000	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
CY2023	us-gaap	Payments To Acquire Loans Held For Investment PaymentsToAcquireLoansHeldForInvestment	157223000	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
CY2023	us-gaap	Proceeds From Sale Of Loans Held For Investment ProceedsFromSaleOfLoansHeldForInvestment	972000	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
CY2023	us-gaap	Proceeds From Principal Repayments On Loans And Leases Held For Investment ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment	102446000	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
CY2021	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	8427000	usd
CY2023	us-gaap	Payments For Software PaymentsForSoftware	10559000	usd
CY2022	upst	Acquisition Of Beneficial Interest Assets AcquisitionOfBeneficialInterestAssets	0	usd
CY2023	upst	Acquisition Of Beneficial Interest Assets AcquisitionOfBeneficialInterestAssets	56892000	usd
CY2021	us-gaap	Payments To Acquire Other Investments PaymentsToAcquireOtherInvestments	40000000	usd
CY2023	us-gaap	Payments To Acquire Other Investments PaymentsToAcquireOtherInvestments	0	usd
CY2022	us-gaap	Payments To Acquire Restricted Certificates Of Deposit PaymentsToAcquireRestrictedCertificatesOfDeposit	5000000	usd
CY2023	us-gaap	Payments To Acquire Restricted Certificates Of Deposit PaymentsToAcquireRestrictedCertificatesOfDeposit	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
CY2023	us-gaap	Payments To Acquire Businesses Net Of Cash Acquired PaymentsToAcquireBusinessesNetOfCashAcquired	0	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
CY2023	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-118455000	usd
CY2021	us-gaap	Proceeds From Issuance Of Debt ProceedsFromIssuanceOfDebt	718422000	usd
CY2023	us-gaap	Proceeds From Issuance Of Debt ProceedsFromIssuanceOfDebt	626910000	usd
CY2022	us-gaap	Repayments Of Debt RepaymentsOfDebt	400898000	usd
CY2023	us-gaap	Repayments Of Debt RepaymentsOfDebt	575937000	usd
CY2021	us-gaap	Repayments Of Accounts Receivable Securitization RepaymentsOfAccountsReceivableSecuritization	0	usd
CY2022	us-gaap	Repayments Of Accounts Receivable Securitization RepaymentsOfAccountsReceivableSecuritization	0	usd
CY2023	us-gaap	Repayments Of Accounts Receivable Securitization RepaymentsOfAccountsReceivableSecuritization	23320000	usd
CY2021	us-gaap	Proceeds From Accounts Receivable Securitization ProceedsFromAccountsReceivableSecuritization	0	usd
CY2022	us-gaap	Proceeds From Accounts Receivable Securitization ProceedsFromAccountsReceivableSecuritization	0	usd
CY2023	us-gaap	Proceeds From Accounts Receivable Securitization ProceedsFromAccountsReceivableSecuritization	165318000	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
CY2023	us-gaap	Proceeds From Issuance Of Common Stock ProceedsFromIssuanceOfCommonStock	0	usd
CY2023	us-gaap	Payments Of Debt Issuance Costs PaymentsOfDebtIssuanceCosts	0	usd
CY2021	upst	Payments For Capped Calls PaymentsForCappedCalls	58523000	usd
CY2022	upst	Payments For Capped Calls PaymentsForCappedCalls	0	usd
CY2023	upst	Payments For Capped Calls PaymentsForCappedCalls	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
CY2023	us-gaap	Proceeds From Issuance Of Shares Under Incentive And Share Based Compensation Plans ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlans	8431000	usd
CY2021	us-gaap	Proceeds From Stock Options Exercised ProceedsFromStockOptionsExercised	14736000	usd
CY2022	us-gaap	Proceeds From Stock Options Exercised ProceedsFromStockOptionsExercised	12354000	usd
CY2023	us-gaap	Proceeds From Stock Options Exercised ProceedsFromStockOptionsExercised	12881000	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
CY2023	us-gaap	Payments Related To Tax Withholding For Share Based Compensation PaymentsRelatedToTaxWithholdingForShareBasedCompensation	15000	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
CY2023	us-gaap	Payments For Repurchase Of Common Stock PaymentsForRepurchaseOfCommonStock	0	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
CY2023	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	214268000	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
CY2023	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect	-64680000	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
CY2023	us-gaap	Interest Paid Net InterestPaidNet	36547000	usd
CY2022	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	328000	usd
CY2023	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	-658000	usd
CY2021	upst	Securities Retained Under Consolidated Securitization Transaction SecuritiesRetainedUnderConsolidatedSecuritizationTransaction	0	usd
CY2022	upst	Securities Retained Under Consolidated Securitization Transaction SecuritiesRetainedUnderConsolidatedSecuritizationTransaction	0	usd
CY2023	upst	Securities Retained Under Consolidated Securitization Transaction SecuritiesRetainedUnderConsolidatedSecuritizationTransaction	44763000	usd
CY2021	upst	Securities Retained Under Unconsolidated Securitization Transactions SecuritiesRetainedUnderUnconsolidatedSecuritizationTransactions	0	usd
CY2022	upst	Securities Retained Under Unconsolidated Securitization Transactions SecuritiesRetainedUnderUnconsolidatedSecuritizationTransactions	4680000	usd
CY2023	upst	Securities Retained Under Unconsolidated Securitization Transactions SecuritiesRetainedUnderUnconsolidatedSecuritizationTransactions	13172000	usd
CY2021	upst	Issuance Of Beneficial Interests IssuanceOfBeneficialInterests	0	usd
CY2022	upst	Issuance Of Beneficial Interests IssuanceOfBeneficialInterests	0	usd
CY2023	upst	Issuance Of Beneficial Interests IssuanceOfBeneficialInterests	5792000	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
CY2023	us-gaap	Employee Service Share Based Compensation Allocation Of Recognized Period Costs Capitalized Amount EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount	6666000	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
CY2023	us-gaap	Business Combination Consideration Transferred Equity Interests Issued And Issuable BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable	0	usd
CY2022Q4	us-gaap	Cash Cash	422411000	usd
CY2023Q4	us-gaap	Cash Cash	368405000	usd
CY2022Q4	us-gaap	Restricted Cash RestrictedCash	110056000	usd
CY2023Q4	us-gaap	Restricted Cash RestrictedCash	99382000	usd
CY2022Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	532467000	usd
CY2023Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	467787000	usd
CY2023	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
CY2023	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><div style="text-align:justify;text-indent:36pt"><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%">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 years.</span></div>
CY2023Q4	us-gaap	Equity Securities Without Readily Determinable Fair Value Amount EquitySecuritiesWithoutReadilyDeterminableFairValueAmount	41300000	usd
CY2022Q4	us-gaap	Equity Securities Without Readily Determinable Fair Value Amount EquitySecuritiesWithoutReadilyDeterminableFairValueAmount	41300000	usd
CY2023	upst	Number Of Components Of Revenue NumberOfComponentsOfRevenue	2	component
CY2021	upst	Revenue From Fees Net RevenueFromFeesNet	801275000	usd
CY2022	upst	Revenue From Fees Net RevenueFromFeesNet	907272000	usd
CY2023	upst	Revenue From Fees Net RevenueFromFeesNet	560431000	usd
CY2022Q4	upst	Trailing Fee Liabilities Fair Value Disclosure TrailingFeeLiabilitiesFairValueDisclosure	4900000	usd
CY2023Q4	upst	Trailing Fee Liabilities Fair Value Disclosure TrailingFeeLiabilitiesFairValueDisclosure	4300000	usd
CY2022Q4	us-gaap	Capitalized Contract Cost Net CapitalizedContractCostNet	2600000	usd
CY2023Q4	us-gaap	Capitalized Contract Cost Net CapitalizedContractCostNet	2700000	usd
CY2021	us-gaap	Capitalized Contract Cost Amortization CapitalizedContractCostAmortization	0	usd
CY2022	us-gaap	Capitalized Contract Cost Amortization CapitalizedContractCostAmortization	2800000	usd
CY2023	us-gaap	Capitalized Contract Cost Amortization CapitalizedContractCostAmortization	3200000	usd
CY2021	upst	Gain Loss On Servicing Rights And Fair Value Adjustments GainLossOnServicingRightsAndFairValueAdjustments	11030000	usd
CY2022	upst	Gain Loss On Servicing Rights And Fair Value Adjustments GainLossOnServicingRightsAndFairValueAdjustments	22891000	usd
CY2023	upst	Gain Loss On Servicing Rights And Fair Value Adjustments GainLossOnServicingRightsAndFairValueAdjustments	-6444000	usd
CY2021	us-gaap	Interest Income Operating InterestIncomeOperating	20634000	usd
CY2022	us-gaap	Interest Income Operating InterestIncomeOperating	105580000	usd
CY2023	us-gaap	Interest Income Operating InterestIncomeOperating	168996000	usd
CY2021	us-gaap	Interest Expense InterestExpense	3274000	usd
CY2022	us-gaap	Interest Expense InterestExpense	10843000	usd
CY2023	us-gaap	Interest Expense InterestExpense	34894000	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
CY2023	upst	Unrealized Gain Loss Charge Offs And Other Fair Value Adjustments Net UnrealizedGainLossChargeOffsAndOtherFairValueAdjustmentsNet	-130440000	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
CY2023	upst	Realized Gain Loss On Transfer Of Loans Net RealizedGainLossOnTransferOfLoansNet	-24042000	usd
CY2021	upst	Gain Loss On Beneficial Interests GainLossOnBeneficialInterests	0	usd
CY2022	upst	Gain Loss On Beneficial Interests GainLossOnBeneficialInterests	0	usd
CY2023	upst	Gain Loss On Beneficial Interests GainLossOnBeneficialInterests	-26489000	usd
CY2021	upst	Fair Value And Other Adjustments Net FairValueAndOtherAdjustmentsNet	-29954000	usd
CY2022	upst	Fair Value And Other Adjustments Net FairValueAndOtherAdjustmentsNet	159565000	usd
CY2023	upst	Fair Value And Other Adjustments Net FairValueAndOtherAdjustmentsNet	180971000	usd
CY2022	upst	Interest Income And Fair Value Adjustment Net InterestIncomeAndFairValueAdjustmentNet	-64828000	usd
CY2023	upst	Interest Income And Fair Value Adjustment Net InterestIncomeAndFairValueAdjustmentNet	-46869000	usd
CY2023Q4	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
CY2023Q4	us-gaap	Financing Receivable Accrued Interest After Allowance For Credit Loss FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss	14200000	usd
CY2022	us-gaap	Proceeds From Recoveries Of Loan Previously Charged Off ProceedsFromRecoveriesOfLoanPreviouslyChargedOff	0	usd
CY2023	upst	Variable Interest Entity Qualitative Or Quantitative Information Number Of Variable Interest Entity VariableInterestEntityQualitativeOrQuantitativeInformationNumberOfVariableInterestEntity	2	variable_interest_entity
CY2022	upst	Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Reclassification FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetReclassification	0	usd
CY2023Q4	us-gaap	Finite Lived Intangible Assets Net FiniteLivedIntangibleAssetsNet	11344000	usd
CY2022Q4	us-gaap	Derivative Assets DerivativeAssets	0	usd
CY2023Q4	upst	Beneficial Interests Maximum Loss Exposure BeneficialInterestsMaximumLossExposure	98500000	usd
CY2022Q4	upst	Beneficial Interests Maximum Loss Exposure BeneficialInterestsMaximumLossExposure	0	usd
CY2022Q4	upst	Beneficial Interest Asset BeneficialInterestAsset	0	usd
CY2023Q4	upst	Beneficial Interest Asset Unpaid Principal Balance BeneficialInterestAssetUnpaidPrincipalBalance	958870000	usd
CY2023Q4	upst	Beneficial Interest Asset BeneficialInterestAsset	41012000	usd
CY2023Q4	upst	Beneficial Interest Liability Unpaid Principal Balance BeneficialInterestLiabilityUnpaidPrincipalBalance	769102000	usd
CY2023Q4	upst	Beneficial Interest Liabilities BeneficialInterestLiabilities	4221000	usd
CY2022Q4	us-gaap	Assets Fair Value Disclosure AssetsFairValueDisclosure	1053069000	usd
CY2023Q4	us-gaap	Assets Fair Value Disclosure AssetsFairValueDisclosure	1246322000	usd
CY2022Q4	us-gaap	Loans Receivable Fair Value Disclosure LoansReceivableFairValueDisclosure	1010421000	usd
CY2023Q4	us-gaap	Loans Receivable Fair Value Disclosure LoansReceivableFairValueDisclosure	1156413000	usd
CY2023Q4	us-gaap	Financing Receivable Threshold Period Past Due FinancingReceivableThresholdPeriodPastDue	P120D
CY2023Q4	us-gaap	Financing Receivable Threshold Period Past Due Writeoff FinancingReceivableThresholdPeriodPastDueWriteoff	P120D
CY2023Q4	upst	Payable To Securitization Note Holders At Fair Value PayableToSecuritizationNoteHoldersAtFairValue	141400000	usd
CY2022Q4	us-gaap	Servicing Asset At Fair Value Amount ServicingAssetAtFairValueAmount	36500000	usd
CY2023Q4	us-gaap	Servicing Asset At Fair Value Amount ServicingAssetAtFairValueAmount	28100000	usd
CY2022Q4	us-gaap	Servicing Liability At Fair Value Amount ServicingLiabilityAtFairValueAmount	4000000	usd
CY2023Q4	us-gaap	Servicing Liability At Fair Value Amount ServicingLiabilityAtFairValueAmount	2000000	usd
CY2023Q4	upst	Beneficial Interest Asset BeneficialInterestAsset	41000000	usd
CY2023Q4	upst	Beneficial Interest Liabilities BeneficialInterestLiabilities	4200000	usd
CY2022Q4	upst	Beneficial Interest Liabilities BeneficialInterestLiabilities	0	usd
CY2022Q4	upst	Beneficial Interest Asset BeneficialInterestAsset	0	usd
CY2022Q4	upst	Trailing Fee Liability At Fair Value Amount TrailingFeeLiabilityAtFairValueAmount	4900000	usd
CY2023Q4	upst	Trailing Fee Liability At Fair Value Amount TrailingFeeLiabilityAtFairValueAmount	4300000	usd
CY2021	us-gaap	Business Combination Acquisition Related Costs BusinessCombinationAcquisitionRelatedCosts	1200000	usd
CY2023	us-gaap	Business Combination Acquisition Related Costs BusinessCombinationAcquisitionRelatedCosts	0	usd
CY2022	us-gaap	Business Combination Acquisition Related Costs BusinessCombinationAcquisitionRelatedCosts	0	usd
CY2023Q4	us-gaap	Goodwill Goodwill	67100000	usd
CY2022Q4	us-gaap	Goodwill Goodwill	67100000	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
CY2023Q4	us-gaap	Finite Lived Intangible Assets Gross FiniteLivedIntangibleAssetsGross	23100000	usd
CY2023Q4	us-gaap	Finite Lived Intangible Assets Accumulated Amortization FiniteLivedIntangibleAssetsAccumulatedAmortization	11756000	usd
CY2021	us-gaap	Adjustment For Amortization AdjustmentForAmortization	3200000	usd
CY2022	us-gaap	Adjustment For Amortization AdjustmentForAmortization	4300000	usd
CY2023	us-gaap	Adjustment For Amortization AdjustmentForAmortization	4300000	usd
CY2023Q4	us-gaap	Finite Lived Intangible Assets Amortization Expense Next Twelve Months FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths	1925000	usd
CY2023Q4	us-gaap	Finite Lived Intangible Assets Amortization Expense Year Two FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo	1142000	usd
CY2023Q4	us-gaap	Finite Lived Intangible Assets Amortization Expense Year Three FiniteLivedIntangibleAssetsAmortizationExpenseYearThree	1142000	usd
CY2023Q4	us-gaap	Finite Lived Intangible Assets Amortization Expense Year Four FiniteLivedIntangibleAssetsAmortizationExpenseYearFour	1142000	usd
CY2023Q4	us-gaap	Finite Lived Intangible Assets Amortization Expense Year Five FiniteLivedIntangibleAssetsAmortizationExpenseYearFive	1142000	usd
CY2023Q4	us-gaap	Finite Lived Intangible Assets Amortization Expense After Year Five FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive	4851000	usd
CY2023Q4	us-gaap	Finite Lived Intangible Assets Net FiniteLivedIntangibleAssetsNet	11344000	usd
CY2022Q4	us-gaap	Accrued Fees And Other Revenue Receivable AccruedFeesAndOtherRevenueReceivable	46652000	usd
CY2023Q4	us-gaap	Accrued Fees And Other Revenue Receivable AccruedFeesAndOtherRevenueReceivable	40490000	usd
CY2022Q4	us-gaap	Servicing Asset At Fair Value Amount ServicingAssetAtFairValueAmount	36467000	usd
CY2023Q4	us-gaap	Servicing Asset At Fair Value Amount ServicingAssetAtFairValueAmount	28092000	usd
CY2022Q4	us-gaap	Other Assets Miscellaneous OtherAssetsMiscellaneous	22678000	usd
CY2023Q4	us-gaap	Other Assets Miscellaneous OtherAssetsMiscellaneous	18589000	usd
CY2022Q4	us-gaap	Prepaid Expense Current And Noncurrent PrepaidExpenseCurrentAndNoncurrent	16740000	usd
CY2023Q4	us-gaap	Prepaid Expense Current And Noncurrent PrepaidExpenseCurrentAndNoncurrent	17976000	usd
CY2022Q4	us-gaap	Other Receivables OtherReceivables	6181000	usd
CY2023Q4	us-gaap	Other Receivables OtherReceivables	14847000	usd
CY2022Q4	us-gaap	Intangible Assets Net Excluding Goodwill IntangibleAssetsNetExcludingGoodwill	15631000	usd
CY2023Q4	us-gaap	Intangible Assets Net Excluding Goodwill IntangibleAssetsNetExcludingGoodwill	11356000	usd
CY2022Q4	us-gaap	Deposits Assets DepositsAssets	10002000	usd
CY2023Q4	us-gaap	Deposits Assets DepositsAssets	8919000	usd
CY2022Q4	us-gaap	Derivative Assets DerivativeAssets	0	usd
CY2023Q4	us-gaap	Derivative Assets DerivativeAssets	5958000	usd
CY2022Q4	us-gaap	Other Assets OtherAssets	154351000	usd
CY2023Q4	us-gaap	Other Assets OtherAssets	146227000	usd
CY2022Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber	12547010	shares
CY2022Q4	upst	Long Term And Short Term Debt Gross LongTermAndShortTermDebtGross	997702000	usd
CY2023Q4	upst	Long Term And Short Term Debt Gross LongTermAndShortTermDebtGross	1048675000	usd
CY2022Q4	us-gaap	Debt Instrument Unamortized Discount DebtInstrumentUnamortizedDiscount	11308000	usd
CY2023Q4	us-gaap	Debt Instrument Unamortized Discount DebtInstrumentUnamortizedDiscount	8251000	usd
CY2022Q4	us-gaap	Debt Longterm And Shortterm Combined Amount DebtLongtermAndShorttermCombinedAmount	986394000	usd
CY2023Q4	us-gaap	Debt Longterm And Shortterm Combined Amount DebtLongtermAndShorttermCombinedAmount	1040424000	usd
CY2022Q4	us-gaap	Property Plant And Equipment Gross PropertyPlantAndEquipmentGross	61327000	usd
CY2023Q4	us-gaap	Property Plant And Equipment Gross PropertyPlantAndEquipmentGross	80104000	usd
CY2022Q4	us-gaap	Accumulated Depreciation Depletion And Amortization Property Plant And Equipment AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment	17159000	usd
CY2023Q4	us-gaap	Accumulated Depreciation Depletion And Amortization Property Plant And Equipment AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment	37449000	usd
CY2022Q4	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	44168000	usd
CY2023Q4	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	42655000	usd
CY2021	us-gaap	Depreciation Depreciation	4200000	usd
CY2022	us-gaap	Depreciation Depreciation	13500000	usd
CY2023	us-gaap	Depreciation Depreciation	20600000	usd
CY2022Q4	us-gaap	Capitalized Computer Software Net CapitalizedComputerSoftwareNet	27400000	usd
CY2023Q4	us-gaap	Capitalized Computer Software Net CapitalizedComputerSoftwareNet	31300000	usd
CY2023	us-gaap	Capitalized Computer Software Impairments1 CapitalizedComputerSoftwareImpairments1	2600000	usd
CY2022	us-gaap	Impairment Of Long Lived Assets Held For Use ImpairmentOfLongLivedAssetsHeldForUse	0	usd
CY2022Q4	us-gaap	Employee Related Liabilities Current And Noncurrent EmployeeRelatedLiabilitiesCurrentAndNoncurrent	21825000	usd
CY2023Q4	us-gaap	Employee Related Liabilities Current And Noncurrent EmployeeRelatedLiabilitiesCurrentAndNoncurrent	30161000	usd
CY2022Q4	us-gaap	Accrued Liabilities Current And Noncurrent AccruedLiabilitiesCurrentAndNoncurrent	23506000	usd
CY2023Q4	us-gaap	Accrued Liabilities Current And Noncurrent AccruedLiabilitiesCurrentAndNoncurrent	28099000	usd
CY2022Q4	upst	Trailing Fee Liability At Fair Value Amount TrailingFeeLiabilityAtFairValueAmount	4852000	usd
CY2023Q4	upst	Trailing Fee Liability At Fair Value Amount TrailingFeeLiabilityAtFairValueAmount	4251000	usd
CY2022Q4	us-gaap	Beneficial Interest BeneficialInterest	0	usd
CY2023Q4	us-gaap	Beneficial Interest BeneficialInterest	4221000	usd
CY2022Q4	us-gaap	Other Liabilities OtherLiabilities	12795000	usd
CY2023Q4	us-gaap	Other Liabilities OtherLiabilities	2668000	usd
CY2022Q4	us-gaap	Servicing Liability At Fair Value Amount ServicingLiabilityAtFairValueAmount	3968000	usd
CY2023Q4	us-gaap	Servicing Liability At Fair Value Amount ServicingLiabilityAtFairValueAmount	2038000	usd
CY2022Q4	us-gaap	Accrued Liabilities And Other Liabilities AccruedLiabilitiesAndOtherLiabilities	66946000	usd
CY2023Q4	us-gaap	Accrued Liabilities And Other Liabilities AccruedLiabilitiesAndOtherLiabilities	71438000	usd
CY2023Q4	upst	Long Term And Short Term Debt Maturity Year One LongTermAndShortTermDebtMaturityYearOne	0	usd
CY2023Q4	upst	Long Term And Short Term Debt Maturity Year Two LongTermAndShortTermDebtMaturityYearTwo	139483000	usd
CY2023Q4	upst	Long Term And Short Term Debt Maturity Year Three LongTermAndShortTermDebtMaturityYearThree	909192000	usd
CY2023Q4	upst	Long Term And Short Term Debt Maturity Year Four LongTermAndShortTermDebtMaturityYearFour	0	usd
CY2023Q4	upst	Long Term And Short Term Debt Maturity Year Five LongTermAndShortTermDebtMaturityYearFive	0	usd
CY2023Q4	upst	Long Term And Short Term Debt Maturity After Year Five LongTermAndShortTermDebtMaturityAfterYearFive	0	usd
CY2023Q4	upst	Long Term And Short Term Debt Gross LongTermAndShortTermDebtGross	1048675000	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
CY2023Q4	us-gaap	Common Stock Capital Shares Reserved For Future Issuance CommonStockCapitalSharesReservedForFutureIssuance	27468577	shares
CY2022Q1	us-gaap	Stock Repurchase Program Authorized Amount1 StockRepurchaseProgramAuthorizedAmount1	400000000	usd
CY2023Q4	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 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
CY2023	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross	2139321	shares
CY2023	us-gaap	Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice	15.82
CY2023	us-gaap	Stock Issued During Period Shares Stock Options Exercised StockIssuedDuringPeriodSharesStockOptionsExercised	1441787	shares
CY2023	us-gaap	Share Based Compensation Arrangements By Share Based Payment Award Options Exercises In Period Weighted Average Exercise Price ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice	8.93
CY2023	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures And Expirations In Period ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriod	627290	shares
CY2023	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures And Expirations In Period Weighted Average Exercise Price ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice	33.41
CY2023Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber	12617254	shares
CY2023Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice	14.57
CY2023	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Outstanding Weighted Average Remaining Contractual Term2 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2	P6Y1M6D
CY2023Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Intrinsic Value ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue	375897000	usd
CY2023Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Number ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber	8754026	shares
CY2023Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Weighted Average Exercise Price ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice	9.82
CY2023	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Weighted Average Remaining Contractual Term1 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1	P4Y10M24D
CY2023Q4	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Intrinsic Value1 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1	292002000	usd
CY2023Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Vested And Expected To Vest Outstanding Number ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber	12617254	shares
CY2023Q4	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
CY2023	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested And Expected To Vest Outstanding Weighted Average Remaining Contractual Term1 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1	P6Y1M6D
CY2023Q4	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Vested And Expected To Vest Outstanding Aggregate Intrinsic Value ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue	375897000	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
CY2023	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue	28900000	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
CY2023	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1	34700000	usd
CY2023	upst	Annual Target Bonus Opportunity Percentage Of Salary Percent AnnualTargetBonusOpportunityPercentageOfSalaryPercent	0.75
CY2023	upst	Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Number Of Vesting Tranches ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNumberOfVestingTranches	9	vesting_tranche
CY2023	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Dividend Rate ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate	0
CY2023Q4	us-gaap	Operating Lease Weighted Average Discount Rate Percent OperatingLeaseWeightedAverageDiscountRatePercent	0.0511
CY2021	us-gaap	Allocated Share Based Compensation Expense AllocatedShareBasedCompensationExpense	73186000	usd
CY2022	us-gaap	Allocated Share Based Compensation Expense AllocatedShareBasedCompensationExpense	125945000	usd
CY2023	us-gaap	Allocated Share Based Compensation Expense AllocatedShareBasedCompensationExpense	175039000	usd
CY2023	upst	Operating Lease Termination Fee OperatingLeaseTerminationFee	7000000	usd
CY2023	upst	Operating Lease Lease Modification Increase Decrease Of Right Of Use Asset OperatingLeaseLeaseModificationIncreaseDecreaseOfRightOfUseAsset	-19900000	usd
CY2023	upst	Operating Lease Lease Modification Increase Decrease Of Lease Liability OperatingLeaseLeaseModificationIncreaseDecreaseOfLeaseLiability	-21200000	usd
CY2023Q4	us-gaap	Letters Of Credit Outstanding Amount LettersOfCreditOutstandingAmount	3400000	usd
CY2023Q4	us-gaap	Lessee Operating Lease Liability Payments Due Next Twelve Months LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths	14966000	usd
CY2023Q4	us-gaap	Lessee Operating Lease Liability Payments Due Year Two LesseeOperatingLeaseLiabilityPaymentsDueYearTwo	15402000	usd
CY2023Q4	us-gaap	Lessee Operating Lease Liability Payments Due Year Three LesseeOperatingLeaseLiabilityPaymentsDueYearThree	15850000	usd
CY2023Q4	us-gaap	Lessee Operating Lease Liability Payments Due Year Four LesseeOperatingLeaseLiabilityPaymentsDueYearFour	15474000	usd
CY2023Q4	us-gaap	Lessee Operating Lease Liability Payments Due Year Five LesseeOperatingLeaseLiabilityPaymentsDueYearFive	6143000	usd
CY2023Q4	us-gaap	Lessee Operating Lease Liability Payments Due After Year Five LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive	2990000	usd
CY2023Q4	us-gaap	Lessee Operating Lease Liability Payments Due LesseeOperatingLeaseLiabilityPaymentsDue	70825000	usd
CY2023Q4	us-gaap	Lessee Operating Lease Liability Undiscounted Excess Amount LesseeOperatingLeaseLiabilityUndiscountedExcessAmount	8501000	usd
CY2023Q4	us-gaap	Operating Lease Liability OperatingLeaseLiability	62324000	usd
CY2022Q4	us-gaap	Finance Lease Liability FinanceLeaseLiability	0	usd
CY2023Q4	us-gaap	Finance Lease Liability FinanceLeaseLiability	0	usd
CY2021	us-gaap	Operating Lease Cost OperatingLeaseCost	7756000	usd
CY2022	us-gaap	Operating Lease Cost OperatingLeaseCost	15916000	usd
CY2023	us-gaap	Operating Lease Cost OperatingLeaseCost	15766000	usd
CY2021	us-gaap	Variable Lease Cost VariableLeaseCost	1650000	usd
CY2022	us-gaap	Variable Lease Cost VariableLeaseCost	3696000	usd
CY2023	us-gaap	Variable Lease Cost VariableLeaseCost	4067000	usd
CY2021	us-gaap	Operating Lease Payments OperatingLeasePayments	4553000	usd
CY2022	us-gaap	Operating Lease Payments OperatingLeasePayments	11084000	usd
CY2023	us-gaap	Operating Lease Payments OperatingLeasePayments	22014000	usd
CY2021	us-gaap	Right Of Use Asset Obtained In Exchange For Operating Lease Liability RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability	83463000	usd
CY2022	us-gaap	Right Of Use Asset Obtained In Exchange For Operating Lease Liability RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability	1826000	usd
CY2023	us-gaap	Right Of Use Asset Obtained In Exchange For Operating Lease Liability RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability	0	usd
CY2021	upst	Operating Lease Lease Modification Increase Decrease Of Right Of Use Asset OperatingLeaseLeaseModificationIncreaseDecreaseOfRightOfUseAsset	0	usd
CY2022	upst	Operating Lease Lease Modification Increase Decrease Of Right Of Use Asset OperatingLeaseLeaseModificationIncreaseDecreaseOfRightOfUseAsset	0	usd
CY2023	upst	Operating Lease Lease Modification Increase Decrease Of Right Of Use Asset OperatingLeaseLeaseModificationIncreaseDecreaseOfRightOfUseAsset	-19865000	usd
CY2023Q4	us-gaap	Operating Lease Weighted Average Remaining Lease Term1 OperatingLeaseWeightedAverageRemainingLeaseTerm1	P4Y6M21D
CY2021	us-gaap	Income Tax Reconciliation Nondeductible Expense Share Based Compensation Cost IncomeTaxReconciliationNondeductibleExpenseShareBasedCompensationCost	-236726000	usd
CY2022Q2	us-gaap	Loss Contingency New Claims Filed Number LossContingencyNewClaimsFiledNumber	2	lawsuit
CY2021	us-gaap	Income Loss From Continuing Operations Before Income Taxes Domestic IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic	133700000	usd
CY2022	us-gaap	Income Loss From Continuing Operations Before Income Taxes Domestic IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic	-109100000	usd
CY2023	us-gaap	Income Loss From Continuing Operations Before Income Taxes Domestic IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic	-240000000	usd
CY2021	us-gaap	Current Federal Tax Expense Benefit CurrentFederalTaxExpenseBenefit	0	usd
CY2022	us-gaap	Current Federal Tax Expense Benefit CurrentFederalTaxExpenseBenefit	0	usd
CY2023	us-gaap	Current Federal Tax Expense Benefit CurrentFederalTaxExpenseBenefit	0	usd
CY2021	us-gaap	Current State And Local Tax Expense Benefit CurrentStateAndLocalTaxExpenseBenefit	229000	usd
CY2022	us-gaap	Current State And Local Tax Expense Benefit CurrentStateAndLocalTaxExpenseBenefit	174000	usd
CY2023	us-gaap	Current State And Local Tax Expense Benefit CurrentStateAndLocalTaxExpenseBenefit	107000	usd
CY2021	us-gaap	Current Income Tax Expense Benefit CurrentIncomeTaxExpenseBenefit	229000	usd
CY2022	us-gaap	Current Income Tax Expense Benefit CurrentIncomeTaxExpenseBenefit	174000	usd
CY2023	us-gaap	Current Income Tax Expense Benefit CurrentIncomeTaxExpenseBenefit	107000	usd
CY2021	us-gaap	Deferred Federal Income Tax Expense Benefit DeferredFederalIncomeTaxExpenseBenefit	-1435000	usd
CY2022	us-gaap	Deferred Federal Income Tax Expense Benefit DeferredFederalIncomeTaxExpenseBenefit	41000	usd
CY2023	us-gaap	Deferred Federal Income Tax Expense Benefit DeferredFederalIncomeTaxExpenseBenefit	0	usd
CY2021	us-gaap	Deferred State And Local Income Tax Expense Benefit DeferredStateAndLocalIncomeTaxExpenseBenefit	-506000	usd
CY2022	us-gaap	Deferred State And Local Income Tax Expense Benefit DeferredStateAndLocalIncomeTaxExpenseBenefit	-624000	usd
CY2023	us-gaap	Deferred State And Local Income Tax Expense Benefit DeferredStateAndLocalIncomeTaxExpenseBenefit	0	usd
CY2021	us-gaap	Deferred Income Tax Expense Benefit DeferredIncomeTaxExpenseBenefit	-1941000	usd
CY2022	us-gaap	Deferred Income Tax Expense Benefit DeferredIncomeTaxExpenseBenefit	-583000	usd
CY2023	us-gaap	Deferred Income Tax Expense Benefit DeferredIncomeTaxExpenseBenefit	0	usd
CY2021	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	-1712000	usd
CY2022	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	-409000	usd
CY2023	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	107000	usd
CY2021	us-gaap	Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate	28084000	usd
CY2022	us-gaap	Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate	-22906000	usd
CY2023	us-gaap	Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate	-50405000	usd
CY2021	us-gaap	Income Tax Reconciliation State And Local Income Taxes IncomeTaxReconciliationStateAndLocalIncomeTaxes	-248000	usd
CY2022	us-gaap	Income Tax Reconciliation State And Local Income Taxes IncomeTaxReconciliationStateAndLocalIncomeTaxes	-448000	usd
CY2023	us-gaap	Income Tax Reconciliation State And Local Income Taxes IncomeTaxReconciliationStateAndLocalIncomeTaxes	107000	usd
CY2022	us-gaap	Income Tax Reconciliation Nondeductible Expense Share Based Compensation Cost IncomeTaxReconciliationNondeductibleExpenseShareBasedCompensationCost	-4490000	usd
CY2023	us-gaap	Income Tax Reconciliation Nondeductible Expense Share Based Compensation Cost IncomeTaxReconciliationNondeductibleExpenseShareBasedCompensationCost	2306000	usd
CY2021	us-gaap	Income Tax Reconciliation Tax Credits Research IncomeTaxReconciliationTaxCreditsResearch	19103000	usd
CY2022	us-gaap	Income Tax Reconciliation Tax Credits Research IncomeTaxReconciliationTaxCreditsResearch	6333000	usd
CY2023	us-gaap	Income Tax Reconciliation Tax Credits Research IncomeTaxReconciliationTaxCreditsResearch	6288000	usd
CY2021	upst	Effective Income Tax Rate Reconciliation Caresactppp Loan Forgiveness Amount EffectiveIncomeTaxRateReconciliationCARESACTPPPLoanForgivenessAmount	-1110000	usd
CY2022	upst	Effective Income Tax Rate Reconciliation Caresactppp Loan Forgiveness Amount EffectiveIncomeTaxRateReconciliationCARESACTPPPLoanForgivenessAmount	0	usd
CY2023	upst	Effective Income Tax Rate Reconciliation Caresactppp Loan Forgiveness Amount EffectiveIncomeTaxRateReconciliationCARESACTPPPLoanForgivenessAmount	0	usd
CY2021	us-gaap	Income Tax Reconciliation Change In Deferred Tax Assets Valuation Allowance IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance	222230000	usd
CY2022	us-gaap	Income Tax Reconciliation Change In Deferred Tax Assets Valuation Allowance IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance	26263000	usd
CY2023	us-gaap	Income Tax Reconciliation Change In Deferred Tax Assets Valuation Allowance IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance	38189000	usd
CY2021	upst	Effective Income Tax Rate Reconciliation Tax Return To Tax Provision Adjustment Amount EffectiveIncomeTaxRateReconciliationTaxReturnToTaxProvisionAdjustmentAmount	-34000	usd
CY2022	upst	Effective Income Tax Rate Reconciliation Tax Return To Tax Provision Adjustment Amount EffectiveIncomeTaxRateReconciliationTaxReturnToTaxProvisionAdjustmentAmount	309000	usd
CY2023	upst	Effective Income Tax Rate Reconciliation Tax Return To Tax Provision Adjustment Amount EffectiveIncomeTaxRateReconciliationTaxReturnToTaxProvisionAdjustmentAmount	-878000	usd
CY2021	upst	Effective Income Tax Rate Reconciliation Nondeductible Expense Section162m Limitation Amount EffectiveIncomeTaxRateReconciliationNondeductibleExpenseSection162mLimitationAmount	2653000	usd
CY2022	upst	Effective Income Tax Rate Reconciliation Nondeductible Expense Section162m Limitation Amount EffectiveIncomeTaxRateReconciliationNondeductibleExpenseSection162mLimitationAmount	6494000	usd
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CY2021	us-gaap	Income Tax Reconciliation Other Adjustments IncomeTaxReconciliationOtherAdjustments	322000	usd
CY2022	us-gaap	Income Tax Reconciliation Other Adjustments IncomeTaxReconciliationOtherAdjustments	702000	usd
CY2023	us-gaap	Income Tax Reconciliation Other Adjustments IncomeTaxReconciliationOtherAdjustments	490000	usd
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CY2023	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	107000	usd
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CY2022Q4	us-gaap	Deferred Tax Liabilities Leasing Arrangements DeferredTaxLiabilitiesLeasingArrangements	24887000	usd
CY2023Q4	us-gaap	Deferred Tax Liabilities Leasing Arrangements DeferredTaxLiabilitiesLeasingArrangements	15832000	usd
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CY2022Q4	us-gaap	Deferred Tax Liabilities DeferredTaxLiabilities	0	usd
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CY2023	us-gaap	Valuation Allowance Deferred Tax Asset Change In Amount ValuationAllowanceDeferredTaxAssetChangeInAmount	55200000	usd
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CY2021Q4	us-gaap	Unrecognized Tax Benefits UnrecognizedTaxBenefits	13904000	usd
CY2022Q4	us-gaap	Unrecognized Tax Benefits UnrecognizedTaxBenefits	18474000	usd
CY2021	us-gaap	Unrecognized Tax Benefits Increases Resulting From Prior Period Tax Positions UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions	461000	usd
CY2022	us-gaap	Unrecognized Tax Benefits Increases Resulting From Prior Period Tax Positions UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions	885000	usd
CY2023	us-gaap	Unrecognized Tax Benefits Increases Resulting From Prior Period Tax Positions UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions	308000	usd
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CY2022Q4	us-gaap	Unrecognized Tax Benefits UnrecognizedTaxBenefits	18474000	usd
CY2023Q4	us-gaap	Unrecognized Tax Benefits UnrecognizedTaxBenefits	22158000	usd
CY2023Q4	us-gaap	Unrecognized Tax Benefits UnrecognizedTaxBenefits	22200000	usd
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CY2023	us-gaap	Net Income Loss NetIncomeLoss	-240132000	usd
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CY2023	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	83765896	shares
CY2021	us-gaap	Weighted Average Number Diluted Shares Outstanding Adjustment WeightedAverageNumberDilutedSharesOutstandingAdjustment	16666282	shares
CY2022	us-gaap	Weighted Average Number Diluted Shares Outstanding Adjustment WeightedAverageNumberDilutedSharesOutstandingAdjustment	0	shares
CY2023	us-gaap	Weighted Average Number Diluted Shares Outstanding Adjustment WeightedAverageNumberDilutedSharesOutstandingAdjustment	0	shares
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CY2022	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	82771268	shares
CY2023	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	83765896	shares
CY2021	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	1.73
CY2022	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	-1.31
CY2023	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	-2.87
CY2021	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	1.43
CY2022	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	-1.31
CY2023	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	-2.87
CY2021	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	3285537	shares
CY2022	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	21700781	shares
CY2023	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	20654173	shares
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CY2023Q4	ecd	Non Rule10b51 Arr Adopted Flag NonRule10b51ArrAdoptedFlag	false

Files In Submission

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$UPST
Upstart Holdings, Inc. Stock $upst

2024 Q1 Form 10-K Financial Statement

#000164763924000009 Filed on February 15, 2024

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$UPST Upstart Holdings, Inc. Stock $upst

2024 Q1 Form 10-K Financial Statement

#000164763924000009 Filed on February 15, 2024

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$UPST
Upstart Holdings, Inc. Stock $upst