$UPST
Upstart Holdings, Inc. Stock $upst

$upst Overview Financials Valuation SEC Filings Company Website

2024 Q4 Form 10-Q Financial Statement

#000164763924000047 Filed on November 08, 2024

Income Statement

Concept	2024 Q4	2024 Q3
Revenue		$162.1M
YoY Change		20.5%
Cost Of Revenue		$39.30M
YoY Change		6.51%
Gross Profit		$122.8M
YoY Change		11.87%
Gross Profit Margin		75.76%
Selling, General & Admin		$103.1M
YoY Change		19.13%
% of Gross Profit		83.93%
Research & Development		$64.89M
YoY Change		18.1%
% of Gross Profit		52.82%
Depreciation & Amortization		$5.100M
YoY Change		30.77%
% of Gross Profit		4.15%
Operating Expenses		$207.3M
YoY Change		16.19%
Operating Profit		-$45.15M
YoY Change		2.98%
Interest Expense
YoY Change
% of Operating Profit
Other Income/Expense, Net		$5.078M
YoY Change		43.45%
Pretax Income		-$6.713M
YoY Change		-83.34%
Income Tax		$45.00K
% Of Pretax Income
Net Earnings		-$6.758M
YoY Change		-83.24%
Net Earnings / Revenue		-4.17%
Basic Earnings Per Share		-$0.07
Diluted Earnings Per Share		-$0.07
COMMON SHARES
Basic Shares Outstanding	91.23M shares	89.51M shares
Diluted Shares Outstanding		90.12M shares

Balance Sheet

Concept	2024 Q4	2024 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments		$445.3M
YoY Change		-13.81%
Cash & Equivalents	$788.4M	$655.8M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets		$491.4M
YoY Change		-11.91%
LONG-TERM ASSETS
Property, Plant & Equipment	$39.01M	$38.33M
YoY Change	-8.54%	-20.17%
Goodwill	$67.10M	$67.10M
YoY Change	0.0%	0.0%
Intangibles	$9.431M	$9.716M
YoY Change	-16.95%	-21.8%
Long-Term Investments		$41.25M
YoY Change		-0.12%
Other Assets		$230.0M
YoY Change		92.5%
Total Long-Term Assets		$1.318B
YoY Change		-8.75%
TOTAL ASSETS
Total Short-Term Assets		$491.4M
Total Long-Term Assets		$1.318B
Total Assets	$2.367B	$1.809B
YoY Change	17.34%	-9.63%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable		$83.40M
YoY Change		42.31%
Accrued Expenses		$120.0M
YoY Change		-10.61%
Deferred Revenue
YoY Change
Short-Term Debt		$0.00
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities		$303.8M
YoY Change		-12.38%
LONG-TERM LIABILITIES
Long-Term Debt		$887.4M
YoY Change		-11.56%
Other Long-Term Liabilities		$22.30M
YoY Change		104.58%
Total Long-Term Liabilities		$909.7M
YoY Change		-10.32%
TOTAL LIABILITIES
Total Short-Term Liabilities		$303.8M
Total Long-Term Liabilities		$909.7M
Total Liabilities	$1.734B	$1.213B
YoY Change	25.47%	-10.84%
SHAREHOLDERS EQUITY
Retained Earnings	-$411.2M	-$408.4M
YoY Change	45.5%	70.04%
Common Stock	$9.000K	$9.000K
YoY Change	0.0%	0.0%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity	$633.2M	$595.5M
YoY Change
Total Liabilities & Shareholders Equity	$2.367B	$1.809B
YoY Change	17.34%	-9.63%

Cashflow Statement

Concept	2024 Q4	2024 Q3
OPERATING ACTIVITIES
Net Income		-$6.758M
YoY Change		-83.24%
Depreciation, Depletion And Amortization		$5.100M
YoY Change		30.77%
Cash From Operating Activities		$179.3M
YoY Change		-273.28%
INVESTING ACTIVITIES
Capital Expenditures		$2.494M
YoY Change		-14.0%
Acquisitions
YoY Change
Other Investing Activities		-$43.68M
YoY Change		106.02%
Cash From Investing Activities		-$46.17M
YoY Change		90.0%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities		-38.02M
YoY Change		-116.33%
NET CHANGE
Cash From Operating Activities		179.3M
Cash From Investing Activities		-46.17M
Cash From Financing Activities		-38.02M
Net Change In Cash		95.15M
YoY Change		-9.38%
FREE CASH FLOW
Cash From Operating Activities		$179.3M
Capital Expenditures		$2.494M
Free Cash Flow		$176.8M
YoY Change		-266.21%

Facts In Submission

Frame	Concept Type	Concept / XBRL Key	Value	Unit
	dei	Amendment Flag AmendmentFlag	false
	dei	Document Fiscal Year Focus DocumentFiscalYearFocus	2024
	dei	Document Fiscal Period Focus DocumentFiscalPeriodFocus	Q3
	dei	Entity Central Index Key EntityCentralIndexKey	0001647639
	dei	Current Fiscal Year End Date CurrentFiscalYearEndDate	--12-31
	dei	Document Quarterly Report DocumentQuarterlyReport	true
	dei	Document Period End Date DocumentPeriodEndDate	2024-09-30
	dei	Document Transition Report DocumentTransitionReport	false
	dei	Entity Registrant Name EntityRegistrantName	Upstart Holdings, Inc.
	dei	Security12b Title Security12bTitle	Common Stock, par value $0.0001 per share
	dei	Trading Symbol TradingSymbol	UPST
	dei	Security Exchange Name SecurityExchangeName	NASDAQ
	dei	Entity Current Reporting Status EntityCurrentReportingStatus	Yes
	dei	Entity Interactive Data Current EntityInteractiveDataCurrent	Yes
	dei	Entity Filer Category EntityFilerCategory	Large Accelerated Filer
	dei	Entity Small Business EntitySmallBusiness	false
	dei	Entity Emerging Growth Company EntityEmergingGrowthCompany	false
	dei	Entity Shell Company EntityShellCompany	false
CY2024Q4	dei	Entity Common Stock Shares Outstanding EntityCommonStockSharesOutstanding	91228026	shares
CY2023Q4	us-gaap	Cash Cash	368405000	usd
CY2024Q3	us-gaap	Cash Cash	445274000	usd
CY2023Q4	us-gaap	Restricted Cash RestrictedCash	99382000	usd
CY2023Q4	us-gaap	Equity Securities Without Readily Determinable Fair Value Amount EquitySecuritiesWithoutReadilyDeterminableFairValueAmount	41250000	usd
CY2024Q3	us-gaap	Equity Securities Without Readily Determinable Fair Value Amount EquitySecuritiesWithoutReadilyDeterminableFairValueAmount	41250000	usd
CY2023Q4	us-gaap	Goodwill Goodwill	67062000	usd
CY2024Q3	us-gaap	Goodwill Goodwill	67062000	usd
CY2023Q4	us-gaap	Other Assets Fair Value Disclosure OtherAssetsFairValueDisclosure	48897000	usd
CY2024Q3	us-gaap	Other Assets Fair Value Disclosure OtherAssetsFairValueDisclosure	70676000	usd
CY2023Q4	us-gaap	Other Assets OtherAssets	146227000	usd
CY2024Q3	us-gaap	Other Assets OtherAssets	172652000	usd
CY2023Q4	us-gaap	Assets Assets	2017100000	usd
CY2024Q3	us-gaap	Assets Assets	1808980000	usd
CY2023Q4	upst	Accrued Expenses And Other Liabilities Fair Value Disclosure AccruedExpensesAndOtherLiabilitiesFairValueDisclosure	10510000	usd
CY2024Q3	upst	Accrued Expenses And Other Liabilities Fair Value Disclosure AccruedExpensesAndOtherLiabilitiesFairValueDisclosure	18671000	usd
CY2023Q4	us-gaap	Accrued Liabilities And Other Liabilities AccruedLiabilitiesAndOtherLiabilities	84051000	usd
CY2024Q3	us-gaap	Accrued Liabilities And Other Liabilities AccruedLiabilitiesAndOtherLiabilities	111616000	usd
CY2023Q4	us-gaap	Operating Lease Liability OperatingLeaseLiability	62324000	usd
CY2024Q3	us-gaap	Operating Lease Liability OperatingLeaseLiability	53348000	usd
CY2023Q4	us-gaap	Liabilities Liabilities	1381795000	usd
CY2024Q3	us-gaap	Liabilities Liabilities	1213444000	usd
CY2023Q4	us-gaap	Common Stock Par Or Stated Value Per Share CommonStockParOrStatedValuePerShare	0.0001
CY2024Q3	us-gaap	Common Stock Par Or Stated Value Per Share CommonStockParOrStatedValuePerShare	0.0001
CY2023Q4	us-gaap	Common Stock Shares Authorized CommonStockSharesAuthorized	700000000	shares
CY2024Q3	us-gaap	Additional Paid In Capital AdditionalPaidInCapital	1003929000	usd
CY2023Q4	us-gaap	Retained Earnings Accumulated Deficit RetainedEarningsAccumulatedDeficit	-282576000	usd
CY2024Q3	us-gaap	Retained Earnings Accumulated Deficit RetainedEarningsAccumulatedDeficit	-408402000	usd
CY2024Q3	us-gaap	Stockholders Equity StockholdersEquity	595536000	usd
CY2023Q4	us-gaap	Liabilities And Stockholders Equity LiabilitiesAndStockholdersEquity	2017100000	usd
CY2024Q3	us-gaap	Liabilities And Stockholders Equity LiabilitiesAndStockholdersEquity	1808980000	usd
	dei	Entity Incorporation State Country Code EntityIncorporationStateCountryCode	DE
	dei	Entity Address Address Line1 EntityAddressAddressLine1	2950 S. Delaware Street
	dei	Entity Address Address Line2 EntityAddressAddressLine2	Suite 410
	dei	Entity Address City Or Town EntityAddressCityOrTown	San Mateo
	dei	Entity Address State Or Province EntityAddressStateOrProvince	CA
	dei	Local Phone Number LocalPhoneNumber	212-2461
CY2024Q3	us-gaap	Restricted Cash RestrictedCash	210493000	usd
CY2023Q4	us-gaap	Notes Receivable Net NotesReceivableNet	1156413000	usd
CY2024Q3	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	38328000	usd
CY2024Q3	us-gaap	Common Stock Shares Outstanding CommonStockSharesOutstanding	90998255	shares
CY2024Q3	us-gaap	Interest Income Operating InterestIncomeOperating	40845000	usd
	us-gaap	Interest Income Operating InterestIncomeOperating	116923000	usd
	us-gaap	Interest Income Operating InterestIncomeOperating	144899000	usd
CY2024Q3	upst	Fair Value And Other Adjustments Net FairValueAndOtherAdjustmentsNet	35477000	usd
	upst	Fair Value And Other Adjustments Net FairValueAndOtherAdjustmentsNet	130430000	usd
	upst	Fair Value And Other Adjustments Net FairValueAndOtherAdjustmentsNet	130523000	usd
CY2024Q3	us-gaap	Revenues Revenues	162140000	usd
	us-gaap	Revenues Revenues	373250000	usd
CY2024Q3	upst	Customer Operations Expense CustomerOperationsExpense	39302000	usd
	upst	Customer Operations Expense CustomerOperationsExpense	114301000	usd
	upst	Customer Operations Expense CustomerOperationsExpense	117394000	usd
CY2024Q3	us-gaap	Research And Development Expense ResearchAndDevelopmentExpense	64887000	usd
	us-gaap	Research And Development Expense ResearchAndDevelopmentExpense	222986000	usd
	us-gaap	Research And Development Expense ResearchAndDevelopmentExpense	186431000	usd
CY2024Q3	us-gaap	General And Administrative Expense GeneralAndAdministrativeExpense	59874000	usd
	us-gaap	General And Administrative Expense GeneralAndAdministrativeExpense	156616000	usd
	us-gaap	General And Administrative Expense GeneralAndAdministrativeExpense	170508000	usd
CY2024Q3	us-gaap	Operating Expenses OperatingExpenses	207292000	usd
	us-gaap	Operating Expenses OperatingExpenses	582274000	usd
	us-gaap	Operating Expenses OperatingExpenses	585670000	usd
CY2024Q3	us-gaap	Operating Income Loss OperatingIncomeLoss	-45152000	usd
	us-gaap	Operating Income Loss OperatingIncomeLoss	-209024000	usd
	us-gaap	Operating Income Loss OperatingIncomeLoss	-168106000	usd
CY2024Q3	us-gaap	Other Nonoperating Income Expense OtherNonoperatingIncomeExpense	5078000	usd
	us-gaap	Other Nonoperating Income Expense OtherNonoperatingIncomeExpense	11334000	usd
CY2023Q3	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	10000	usd
CY2023Q3	us-gaap	Net Income Loss NetIncomeLoss	-40315000	usd
CY2023Q3	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	-0.48
CY2023Q3	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	-0.48
CY2023Q3	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	84404966	shares
CY2024Q3	us-gaap	Net Income Loss NetIncomeLoss	-6758000	usd
CY2023Q3	us-gaap	Other Nonoperating Income Expense OtherNonoperatingIncomeExpense	3540000	usd
CY2023Q3	us-gaap	Stock Issued During Period Value Employee Stock Purchase Plan StockIssuedDuringPeriodValueEmployeeStockPurchasePlan	2703000	usd
	us-gaap	Payments Of Debt Issuance Costs PaymentsOfDebtIssuanceCosts	1455000	usd
CY2022Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	532467000	usd
	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	250000	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
	dei	Entity Tax Identification Number EntityTaxIdentificationNumber	46-4332431
CY2023Q4	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	42655000	usd
CY2023Q4	upst	Payable To Investors PayableToInvestors	53580000	usd
CY2024Q3	upst	Payable To Investors PayableToInvestors	60778000	usd
CY2023Q4	upst	Loans Held In Consolidated Securitization Fair Value Disclosure LoansHeldInConsolidatedSecuritizationFairValueDisclosure	179100000	usd
CY2024Q3	upst	Loans Held In Consolidated Securitization Fair Value Disclosure LoansHeldInConsolidatedSecuritizationFairValueDisclosure	118500000	usd
CY2023Q3	upst	Revenue From Fees Net RevenueFromFeesNet	146755000	usd
CY2024Q3	upst	Revenue From Fees Net RevenueFromFeesNet	167590000	usd
CY2023Q4	us-gaap	Stockholders Equity StockholdersEquity	635305000	usd
	upst	Revenue From Fees Net RevenueFromFeesNet	407585000	usd
	upst	Revenue From Fees Net RevenueFromFeesNet	436190000	usd
CY2023Q3	us-gaap	Interest Income Operating InterestIncomeOperating	37692000	usd
CY2023Q3	us-gaap	Interest Expense Operating InterestExpenseOperating	9414000	usd
CY2024Q3	us-gaap	Interest Expense Operating InterestExpenseOperating	10818000	usd
CY2023Q3	us-gaap	Revenues Revenues	134557000	usd
CY2023Q3	us-gaap	Selling And Marketing Expense SellingAndMarketingExpense	33042000	usd
CY2024Q3	us-gaap	Selling And Marketing Expense SellingAndMarketingExpense	43229000	usd
CY2023Q3	upst	Customer Operations Expense CustomerOperationsExpense	36914000	usd
CY2023Q3	us-gaap	Research And Development Expense ResearchAndDevelopmentExpense	54941000	usd
CY2023Q3	us-gaap	General And Administrative Expense GeneralAndAdministrativeExpense	53505000	usd
CY2023Q3	us-gaap	Operating Expenses OperatingExpenses	178402000	usd
CY2023Q3	us-gaap	Operating Income Loss OperatingIncomeLoss	-43845000	usd
CY2023Q3	us-gaap	Stockholders Equity StockholdersEquity	640764000	usd
	dei	Entity Address Postal Zip Code EntityAddressPostalZipCode	94403
	dei	City Area Code CityAreaCode	833
CY2024Q3	us-gaap	Notes Receivable Net NotesReceivableNet	656120000	usd
CY2023Q4	us-gaap	Operating Lease Right Of Use Asset OperatingLeaseRightOfUseAsset	54694000	usd
CY2024Q3	us-gaap	Operating Lease Right Of Use Asset OperatingLeaseRightOfUseAsset	46318000	usd
CY2023Q4	upst	Beneficial Interest Asset BeneficialInterestAsset	41012000	usd
CY2024Q3	upst	Beneficial Interest Asset BeneficialInterestAsset	131483000	usd
CY2023Q4	us-gaap	Debt Longterm And Shortterm Combined Amount DebtLongtermAndShorttermCombinedAmount	1040424000	usd
CY2024Q3	us-gaap	Debt Longterm And Shortterm Combined Amount DebtLongtermAndShorttermCombinedAmount	887367000	usd
CY2023Q4	upst	Payable To Securitization Note Holders At Fair Value PayableToSecuritizationNoteHoldersAtFairValue	141416000	usd
CY2024Q3	upst	Payable To Securitization Note Holders At Fair Value PayableToSecuritizationNoteHoldersAtFairValue	100335000	usd
CY2024Q3	us-gaap	Common Stock Shares Authorized CommonStockSharesAuthorized	700000000	shares
CY2023Q4	us-gaap	Common Stock Shares Issued CommonStockSharesIssued	86330303	shares
CY2023Q4	us-gaap	Common Stock Shares Outstanding CommonStockSharesOutstanding	86330303	shares
CY2024Q3	us-gaap	Common Stock Shares Issued CommonStockSharesIssued	90998255	shares
CY2023Q4	us-gaap	Common Stock Value CommonStockValue	9000	usd
CY2024Q3	us-gaap	Common Stock Value CommonStockValue	9000	usd
CY2023Q4	us-gaap	Additional Paid In Capital AdditionalPaidInCapital	917872000	usd
	us-gaap	Interest Expense Operating InterestExpenseOperating	20828000	usd
	us-gaap	Interest Expense Operating InterestExpenseOperating	33002000	usd
CY2023Q3	upst	Fair Value And Other Adjustments Net FairValueAndOtherAdjustmentsNet	40476000	usd
CY2023Q3	us-gaap	Interest Income Expense Net InterestIncomeExpenseNet	-12198000	usd
CY2024Q3	us-gaap	Interest Income Expense Net InterestIncomeExpenseNet	-5450000	usd
	us-gaap	Interest Income Expense Net InterestIncomeExpenseNet	-34335000	usd
	us-gaap	Interest Income Expense Net InterestIncomeExpenseNet	-18626000	usd
	us-gaap	Revenues Revenues	417564000	usd
	us-gaap	Selling And Marketing Expense SellingAndMarketingExpense	88371000	usd
	us-gaap	Selling And Marketing Expense SellingAndMarketingExpense	111337000	usd
	us-gaap	Other Nonoperating Income Expense OtherNonoperatingIncomeExpense	8993000	usd
CY2023Q3	us-gaap	Gains Losses On Extinguishment Of Debt GainsLossesOnExtinguishmentOfDebt	0	usd
CY2024Q3	us-gaap	Gains Losses On Extinguishment Of Debt GainsLossesOnExtinguishmentOfDebt	33361000	usd
	us-gaap	Gains Losses On Extinguishment Of Debt GainsLossesOnExtinguishmentOfDebt	0	usd
	us-gaap	Gains Losses On Extinguishment Of Debt GainsLossesOnExtinguishmentOfDebt	33361000	usd
CY2023Q3	us-gaap	Income Loss Attributable To Parent IncomeLossAttributableToParent	-40305000	usd
CY2024Q3	us-gaap	Income Loss Attributable To Parent IncomeLossAttributableToParent	-6713000	usd
	us-gaap	Income Loss Attributable To Parent IncomeLossAttributableToParent	-197690000	usd
	us-gaap	Income Loss Attributable To Parent IncomeLossAttributableToParent	-125752000	usd
CY2024Q3	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	45000	usd
	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	44000	usd
	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	74000	usd
CY2024Q3	us-gaap	Net Income Loss NetIncomeLoss	-6758000	usd
	us-gaap	Net Income Loss NetIncomeLoss	-197734000	usd
	us-gaap	Net Income Loss NetIncomeLoss	-125826000	usd
CY2024Q3	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	-0.07
	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	-2.38
	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	-1.42
CY2024Q3	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	-0.07
	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	-2.38
	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	-1.42
CY2024Q3	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	90119481	shares
	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	83158146	shares
	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	88534495	shares
CY2023Q3	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	84404966	shares
CY2024Q3	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	90119481	shares
	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	83158146	shares
	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	88534495	shares
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	Net Income Loss NetIncomeLoss	-40315000	usd
CY2022Q4	us-gaap	Stockholders Equity StockholdersEquity	672435000	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
CY2024Q2	us-gaap	Stockholders Equity StockholdersEquity	594710000	usd
CY2024Q3	us-gaap	Stock Issued During Period Value Stock Options Exercised StockIssuedDuringPeriodValueStockOptionsExercised	10062000	usd
CY2024Q3	us-gaap	Adjustments Related To Tax Withholding For Share Based Compensation AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation	17000	usd
CY2024Q3	us-gaap	Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	34722000	usd
CY2024Q3	us-gaap	Stock Issued During Period Value Employee Stock Purchase Plan StockIssuedDuringPeriodValueEmployeeStockPurchasePlan	3120000	usd
CY2024Q3	upst	Adjustments To Additional Paid In Capital Purchase Of Capped Calls AdjustmentsToAdditionalPaidInCapitalPurchaseOfCappedCalls	40883000	usd
CY2024Q3	upst	Adjustments To Additional Paid In Capital Settlement Of Capped Calls AdjustmentsToAdditionalPaidInCapitalSettlementOfCappedCalls	-580000	usd
CY2024Q3	us-gaap	Stockholders Equity StockholdersEquity	595536000	usd
CY2023Q4	us-gaap	Stockholders Equity StockholdersEquity	635305000	usd
	us-gaap	Stock Issued During Period Value Stock Options Exercised StockIssuedDuringPeriodValueStockOptionsExercised	12281000	usd
	us-gaap	Adjustments Related To Tax Withholding For Share Based Compensation AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation	19000	usd
	us-gaap	Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	106413000	usd
	us-gaap	Stock Issued During Period Value Employee Stock Purchase Plan StockIssuedDuringPeriodValueEmployeeStockPurchasePlan	7685000	usd
	upst	Adjustments To Additional Paid In Capital Purchase Of Capped Calls AdjustmentsToAdditionalPaidInCapitalPurchaseOfCappedCalls	40883000	usd
	upst	Adjustments To Additional Paid In Capital Settlement Of Capped Calls AdjustmentsToAdditionalPaidInCapitalSettlementOfCappedCalls	-580000	usd
	us-gaap	Net Income Loss NetIncomeLoss	-125826000	usd
CY2024Q3	us-gaap	Stockholders Equity StockholdersEquity	595536000	usd
	us-gaap	Net Income Loss NetIncomeLoss	-197734000	usd
	us-gaap	Net Income Loss NetIncomeLoss	-125826000	usd
	us-gaap	Increase Decrease In Finance Receivables IncreaseDecreaseInFinanceReceivables	-131222000	usd
	us-gaap	Increase Decrease In Finance Receivables IncreaseDecreaseInFinanceReceivables	-167545000	usd
	upst	Increase Decrease In Fair Value Of Servicing Assets IncreaseDecreaseInFairValueOfServicingAssets	-16888000	usd
	upst	Increase Decrease In Fair Value Of Servicing Assets IncreaseDecreaseInFairValueOfServicingAssets	-12838000	usd
	upst	Increase Decrease In Fair Value Of Servicing Liabilities IncreaseDecreaseInFairValueOfServicingLiabilities	-1655000	usd
	upst	Increase Decrease In Fair Value Of Servicing Liabilities IncreaseDecreaseInFairValueOfServicingLiabilities	-877000	usd
	upst	Increase Decrease In Fair Value Of Beneficial Interest Assets IncreaseDecreaseInFairValueOfBeneficialInterestAssets	-9128000	usd
	upst	Increase Decrease In Fair Value Of Beneficial Interest Assets IncreaseDecreaseInFairValueOfBeneficialInterestAssets	35825000	usd
	upst	Increase Decrease In Fair Value Of Beneficial Interest Liabilities IncreaseDecreaseInFairValueOfBeneficialInterestLiabilities	-848000	usd
	upst	Increase Decrease In Fair Value Of Beneficial Interest Liabilities IncreaseDecreaseInFairValueOfBeneficialInterestLiabilities	12633000	usd
	us-gaap	Increase Decrease In Other Financial Instruments Used In Operating Activities IncreaseDecreaseInOtherFinancialInstrumentsUsedInOperatingActivities	3418000	usd
	us-gaap	Increase Decrease In Other Financial Instruments Used In Operating Activities IncreaseDecreaseInOtherFinancialInstrumentsUsedInOperatingActivities	-8263000	usd
	us-gaap	Share Based Compensation ShareBasedCompensation	142273000	usd
	us-gaap	Share Based Compensation ShareBasedCompensation	103604000	usd
	upst	Gain Loss On Loan Servicing Rights And Sale Of Noncontrolling Interests Net GainLossOnLoanServicingRightsAndSaleOfNoncontrollingInterestsNet	10432000	usd
	upst	Gain Loss On Loan Servicing Rights And Sale Of Noncontrolling Interests Net GainLossOnLoanServicingRightsAndSaleOfNoncontrollingInterestsNet	11448000	usd
	us-gaap	Gains Losses On Extinguishment Of Debt GainsLossesOnExtinguishmentOfDebt	0	usd
	us-gaap	Gains Losses On Extinguishment Of Debt GainsLossesOnExtinguishmentOfDebt	33361000	usd
	us-gaap	Depreciation Depletion And Amortization DepreciationDepletionAndAmortization	15800000	usd
	us-gaap	Depreciation Depletion And Amortization DepreciationDepletionAndAmortization	15850000	usd
	us-gaap	Paid In Kind Interest PaidInKindInterest	2296000	usd
	us-gaap	Paid In Kind Interest PaidInKindInterest	2156000	usd
	us-gaap	Other Noncash Income Expense OtherNoncashIncomeExpense	2260000	usd
	us-gaap	Other Noncash Income Expense OtherNoncashIncomeExpense	10874000	usd
	us-gaap	Payments To Purchase Loans Held For Sale PaymentsToPurchaseLoansHeldForSale	2076734000	usd
	us-gaap	Payments To Purchase Loans Held For Sale PaymentsToPurchaseLoansHeldForSale	2626246000	usd
	us-gaap	Proceeds From Sale Of Loans Held For Sale ProceedsFromSaleOfLoansHeldForSale	1875358000	usd
	us-gaap	Proceeds From Sale Of Loans Held For Sale ProceedsFromSaleOfLoansHeldForSale	2613039000	usd
	us-gaap	Proceeds From Collection Of Loans Held For Sale ProceedsFromCollectionOfLoansHeldForSale	139582000	usd
	us-gaap	Proceeds From Collection Of Loans Held For Sale ProceedsFromCollectionOfLoansHeldForSale	157010000	usd
	us-gaap	Proceeds From Securitizations Of Loans Held For Sale ProceedsFromSecuritizationsOfLoansHeldForSale	12302000	usd
	us-gaap	Proceeds From Securitizations Of Loans Held For Sale ProceedsFromSecuritizationsOfLoansHeldForSale	36532000	usd
	upst	Payments On Beneficial Interest Liabilities PaymentsOnBeneficialInterestLiabilities	0	usd
	upst	Payments On Beneficial Interest Liabilities PaymentsOnBeneficialInterestLiabilities	3692000	usd
	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	-27000	usd
	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	2110000	usd
	upst	Increase Decrease In Operating Lease Liability And Right Of Use Asset IncreaseDecreaseInOperatingLeaseLiabilityAndRightOfUseAsset	1563000	usd
	upst	Increase Decrease In Operating Lease Liability And Right Of Use Asset IncreaseDecreaseInOperatingLeaseLiabilityAndRightOfUseAsset	-600000	usd
	upst	Increase Decrease In Payable To Investors For Beneficial Interest Assets IncreaseDecreaseInPayableToInvestorsForBeneficialInterestAssets	5749000	usd
	upst	Increase Decrease In Payable To Investors For Beneficial Interest Assets IncreaseDecreaseInPayableToInvestorsForBeneficialInterestAssets	0	usd
	us-gaap	Increase Decrease In Accrued Liabilities And Other Operating Liabilities IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities	-25220000	usd
	us-gaap	Increase Decrease In Accrued Liabilities And Other Operating Liabilities IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities	18646000	usd
	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	297257000	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	3556000	usd
	us-gaap	Proceeds From Collection Of Notes Receivable ProceedsFromCollectionOfNotesReceivable	4004000	usd
	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	1285000	usd
	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	837000	usd
	us-gaap	Payments For Software PaymentsForSoftware	9135000	usd
	us-gaap	Payments For Software PaymentsForSoftware	5734000	usd
	upst	Acquisition Of Beneficial Interest Assets AcquisitionOfBeneficialInterestAssets	39505000	usd
	upst	Acquisition Of Beneficial Interest Assets AcquisitionOfBeneficialInterestAssets	63246000	usd
	upst	Proceeds From Beneficial Interest Assets ProceedsFromBeneficialInterestAssets	0	usd
	upst	Proceeds From Beneficial Interest Assets ProceedsFromBeneficialInterestAssets	2808000	usd
	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-88562000	usd
	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-159817000	usd
	us-gaap	Proceeds From Long Term Lines Of Credit ProceedsFromLongTermLinesOfCredit	529494000	usd
	us-gaap	Proceeds From Long Term Lines Of Credit ProceedsFromLongTermLinesOfCredit	297587000	usd
	us-gaap	Proceeds From Convertible Debt ProceedsFromConvertibleDebt	0	usd
	us-gaap	Proceeds From Convertible Debt ProceedsFromConvertibleDebt	423002000	usd
	us-gaap	Payments Of Debt Issuance Costs PaymentsOfDebtIssuanceCosts	0	usd
	us-gaap	Repayments Of Long Term Lines Of Credit RepaymentsOfLongTermLinesOfCredit	514792000	usd
	us-gaap	Repayments Of Long Term Lines Of Credit RepaymentsOfLongTermLinesOfCredit	293179000	usd
	us-gaap	Repayments Of Convertible Debt RepaymentsOfConvertibleDebt	0	usd
	us-gaap	Repayments Of Convertible Debt RepaymentsOfConvertibleDebt	325344000	usd
	upst	Payments For Capped Calls PaymentsForCappedCalls	0	usd
	upst	Payments For Capped Calls PaymentsForCappedCalls	40883000	usd
	upst	Proceeds From Settlement Of Capped Calls ProceedsFromSettlementOfCappedCalls	0	usd
	upst	Proceeds From Settlement Of Capped Calls ProceedsFromSettlementOfCappedCalls	580000	usd
	us-gaap	Repayments Of Accounts Receivable Securitization RepaymentsOfAccountsReceivableSecuritization	10016000	usd
	us-gaap	Repayments Of Accounts Receivable Securitization RepaymentsOfAccountsReceivableSecuritization	42705000	usd
	upst	Repayment To Investors RepaymentToInvestors	50668000	usd
	upst	Repayment To Investors RepaymentToInvestors	-12990000	usd
	us-gaap	Proceeds From Accounts Receivable Securitization ProceedsFromAccountsReceivableSecuritization	165318000	usd
	us-gaap	Proceeds From Accounts Receivable Securitization ProceedsFromAccountsReceivableSecuritization	0	usd
	us-gaap	Proceeds From Issuance Of Shares Under Incentive And Share Based Compensation Plans ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlans	8431000	usd
	us-gaap	Proceeds From Issuance Of Shares Under Incentive And Share Based Compensation Plans ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlans	7685000	usd
	us-gaap	Proceeds From Stock Options Exercised ProceedsFromStockOptionsExercised	9475000	usd
	us-gaap	Proceeds From Stock Options Exercised ProceedsFromStockOptionsExercised	12281000	usd
	us-gaap	Payments Related To Tax Withholding For Share Based Compensation PaymentsRelatedToTaxWithholdingForShareBasedCompensation	6000	usd
	us-gaap	Payments Related To Tax Withholding For Share Based Compensation PaymentsRelatedToTaxWithholdingForShareBasedCompensation	19000	usd
	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	137236000	usd
	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	50540000	usd
	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect	82561000	usd
	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect	187980000	usd
CY2023Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	467787000	usd
CY2023Q3	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	615028000	usd
CY2024Q3	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	655767000	usd
	us-gaap	Interest Paid Net InterestPaidNet	22481000	usd
	us-gaap	Interest Paid Net InterestPaidNet	34795000	usd
	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	-982000	usd
	us-gaap	Notes Reduction NotesReduction	0	usd
	us-gaap	Notes Reduction NotesReduction	221749000	usd
	upst	Beneficial Interests Obtained In Connection With Loan Sale BeneficialInterestsObtainedInConnectionWithLoanSale	0	usd
	upst	Beneficial Interests Obtained In Connection With Loan Sale BeneficialInterestsObtainedInConnectionWithLoanSale	45971000	usd
	us-gaap	Employee Service Share Based Compensation Allocation Of Recognized Period Costs Capitalized Amount EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount	5890000	usd
	us-gaap	Employee Service Share Based Compensation Allocation Of Recognized Period Costs Capitalized Amount EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount	2809000	usd
	us-gaap	Debt Issuance Costs Incurred During Noncash Or Partial Noncash Transaction DebtIssuanceCostsIncurredDuringNoncashOrPartialNoncashTransaction	0	usd
	us-gaap	Debt Issuance Costs Incurred During Noncash Or Partial Noncash Transaction DebtIssuanceCostsIncurredDuringNoncashOrPartialNoncashTransaction	714000	usd
	upst	Issuance Of Line Of Credit Receivable IssuanceOfLineOfCreditReceivable	0	usd
	upst	Issuance Of Line Of Credit Receivable IssuanceOfLineOfCreditReceivable	30907000	usd
	upst	Securities Retained Under Consolidated Securitization Transaction SecuritiesRetainedUnderConsolidatedSecuritizationTransaction	44763000	usd
	upst	Securities Retained Under Consolidated Securitization Transaction SecuritiesRetainedUnderConsolidatedSecuritizationTransaction	0	usd
	upst	Issuance Of Beneficial Interests IssuanceOfBeneficialInterests	5749000	usd
	upst	Issuance Of Beneficial Interests IssuanceOfBeneficialInterests	0	usd
CY2023Q4	us-gaap	Cash Cash	368405000	usd
CY2024Q3	us-gaap	Cash Cash	445274000	usd
CY2023Q4	us-gaap	Restricted Cash RestrictedCash	99382000	usd
CY2024Q3	us-gaap	Restricted Cash RestrictedCash	210493000	usd
CY2023Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	467787000	usd
CY2024Q3	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	655767000	usd
	us-gaap	Prior Period Reclassification Adjustment Description PriorPeriodReclassificationAdjustmentDescription	<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%">Reclassifications </span></div>During the second quarter of 2024, the Company elected to change its presentation of changes in the payable to investors balance on the condensed consolidated statement of cash flows. Payable to investors balance consists of a) liabilities associated with fiduciary cash that is temporarily held by the Company on behalf of our institutional investors and is presented within restricted cash on the condensed consolidated balance sheets; and b) cash payable to investors for acquisitions or settlements of beneficial interests. Under the new presentation, the portion of the payable to investors balance related to fiduciary cash is reclassified from operating to financing activities within the condensed consolidated statement of cash flows. There is no change in the presentation for the change in the payable to investors balance related to acquisition and settlements of beneficial interests. Comparative amounts have been reclassified to conform to the current period presentation.
	upst	Increase Decrease In Payable To Investors IncreaseDecreaseInPayableToInvestors	0	usd
	upst	Increase Decrease In Payable To Investors For Beneficial Interest Assets IncreaseDecreaseInPayableToInvestorsForBeneficialInterestAssets	5749000	usd
	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	33887000	usd
	upst	Repayment To Investors RepaymentToInvestors	50668000	usd
	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	137236000	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><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 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.</span></div>
CY2023Q3	upst	Revenue From Fees Net RevenueFromFeesNet	146755000	usd
CY2024Q3	upst	Revenue From Fees Net RevenueFromFeesNet	167590000	usd
	upst	Revenue From Fees Net RevenueFromFeesNet	407585000	usd
	upst	Revenue From Fees Net RevenueFromFeesNet	436190000	usd
CY2024Q3	upst	Trailing Fee Liabilities Fair Value Disclosure TrailingFeeLiabilitiesFairValueDisclosure	4300000	usd
CY2023Q4	us-gaap	Capitalized Contract Cost Net CapitalizedContractCostNet	2700000	usd
CY2024Q3	us-gaap	Capitalized Contract Cost Net CapitalizedContractCostNet	2900000	usd
CY2023Q3	upst	Gain Loss On Servicing Rights And Fair Value Adjustments GainLossOnServicingRightsAndFairValueAdjustments	-3063000	usd
CY2024Q3	upst	Gain Loss On Servicing Rights And Fair Value Adjustments GainLossOnServicingRightsAndFairValueAdjustments	975000	usd
	upst	Gain Loss On Servicing Rights And Fair Value Adjustments GainLossOnServicingRightsAndFairValueAdjustments	-4800000	usd
	upst	Gain Loss On Servicing Rights And Fair Value Adjustments GainLossOnServicingRightsAndFairValueAdjustments	-513000	usd
CY2023Q3	us-gaap	Interest Income Operating InterestIncomeOperating	37692000	usd
CY2024Q3	us-gaap	Interest Income Operating InterestIncomeOperating	40845000	usd
	us-gaap	Interest Income Operating InterestIncomeOperating	116923000	usd
	us-gaap	Interest Income Operating InterestIncomeOperating	144899000	usd
CY2023Q3	us-gaap	Interest Expense Operating InterestExpenseOperating	9414000	usd
CY2024Q3	us-gaap	Interest Expense Operating InterestExpenseOperating	10818000	usd
	us-gaap	Interest Expense Operating InterestExpenseOperating	20828000	usd
	us-gaap	Interest Expense Operating InterestExpenseOperating	33002000	usd
CY2023Q3	upst	Unrealized Gain Loss Charge Offs And Other Fair Value Adjustments Net UnrealizedGainLossChargeOffsAndOtherFairValueAdjustmentsNet	-30349000	usd
CY2024Q3	upst	Unrealized Gain Loss Charge Offs And Other Fair Value Adjustments Net UnrealizedGainLossChargeOffsAndOtherFairValueAdjustmentsNet	-31579000	usd
	upst	Unrealized Gain Loss Charge Offs And Other Fair Value Adjustments Net UnrealizedGainLossChargeOffsAndOtherFairValueAdjustmentsNet	-99048000	usd
	upst	Unrealized Gain Loss Charge Offs And Other Fair Value Adjustments Net UnrealizedGainLossChargeOffsAndOtherFairValueAdjustmentsNet	-92800000	usd
CY2023Q3	upst	Realized Gain Loss On Transfer Of Loans Net RealizedGainLossOnTransferOfLoansNet	-2955000	usd
CY2024Q3	upst	Realized Gain Loss On Transfer Of Loans Net RealizedGainLossOnTransferOfLoansNet	-2950000	usd
	upst	Realized Gain Loss On Transfer Of Loans Net RealizedGainLossOnTransferOfLoansNet	-22255000	usd
	upst	Realized Gain Loss On Transfer Of Loans Net RealizedGainLossOnTransferOfLoansNet	-14565000	usd
CY2023Q3	upst	Gain Loss On Beneficial Interests GainLossOnBeneficialInterests	-7172000	usd
CY2024Q3	upst	Gain Loss On Beneficial Interests GainLossOnBeneficialInterests	-948000	usd
	upst	Gain Loss On Beneficial Interests GainLossOnBeneficialInterests	-9127000	usd
	upst	Gain Loss On Beneficial Interests GainLossOnBeneficialInterests	-23158000	usd
CY2023Q3	upst	Fair Value And Other Adjustments Net FairValueAndOtherAdjustmentsNet	40476000	usd
CY2024Q3	upst	Fair Value And Other Adjustments Net FairValueAndOtherAdjustmentsNet	35477000	usd
	upst	Fair Value And Other Adjustments Net FairValueAndOtherAdjustmentsNet	130430000	usd
	upst	Fair Value And Other Adjustments Net FairValueAndOtherAdjustmentsNet	130523000	usd
CY2023Q3	upst	Interest Income And Fair Value Adjustment Net InterestIncomeAndFairValueAdjustmentNet	-12198000	usd
CY2024Q3	upst	Interest Income And Fair Value Adjustment Net InterestIncomeAndFairValueAdjustmentNet	-5450000	usd
	upst	Interest Income And Fair Value Adjustment Net InterestIncomeAndFairValueAdjustmentNet	-34335000	usd
	upst	Interest Income And Fair Value Adjustment Net InterestIncomeAndFairValueAdjustmentNet	-18626000	usd
CY2024Q3	us-gaap	Financing Receivable Threshold Period Past Due FinancingReceivableThresholdPeriodPastDue	P120D
CY2023Q4	us-gaap	Financing Receivable Accrued Interest After Allowance For Credit Loss FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss	14200000	usd
CY2024Q3	us-gaap	Financing Receivable Accrued Interest After Allowance For Credit Loss FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss	6700000	usd
CY2024Q3	us-gaap	Proceeds From Recoveries Of Loan Previously Charged Off ProceedsFromRecoveriesOfLoanPreviouslyChargedOff	3700000	usd
	us-gaap	Proceeds From Recoveries Of Loan Previously Charged Off ProceedsFromRecoveriesOfLoanPreviouslyChargedOff	10800000	usd
	upst	Variable Interest Entity Qualitative Or Quantitative Information Number Of Variable Interest Entity VariableInterestEntityQualitativeOrQuantitativeInformationNumberOfVariableInterestEntity	2	variable_interest_entity
	upst	Variable Interest Entity Qualitative Or Quantitative Information Number Of Variable Interest Entity VariableInterestEntityQualitativeOrQuantitativeInformationNumberOfVariableInterestEntity	2	variable_interest_entity
CY2023Q4	upst	Beneficial Interests Maximum Loss Exposure BeneficialInterestsMaximumLossExposure	98537000	usd
CY2024Q3	upst	Beneficial Interests Maximum Loss Exposure BeneficialInterestsMaximumLossExposure	357861000	usd
CY2023Q4	upst	Beneficial Interest Asset Unpaid Principal Balance BeneficialInterestAssetUnpaidPrincipalBalance	958870000	usd
CY2023Q4	upst	Beneficial Interest Asset BeneficialInterestAsset	41012000	usd
CY2024Q3	upst	Beneficial Interest Asset Unpaid Principal Balance BeneficialInterestAssetUnpaidPrincipalBalance	3014907000	usd
CY2024Q3	upst	Beneficial Interest Asset BeneficialInterestAsset	131483000	usd
CY2023Q4	upst	Beneficial Interest Liability Unpaid Principal Balance BeneficialInterestLiabilityUnpaidPrincipalBalance	769102000	usd
CY2023Q4	upst	Beneficial Interest Liabilities BeneficialInterestLiabilities	4221000	usd
CY2024Q3	upst	Beneficial Interest Liability Unpaid Principal Balance BeneficialInterestLiabilityUnpaidPrincipalBalance	1150855000	usd
CY2024Q3	upst	Beneficial Interest Liabilities BeneficialInterestLiabilities	13162000	usd
CY2023Q4	us-gaap	Assets Fair Value Disclosure AssetsFairValueDisclosure	1246322000	usd
CY2024Q3	us-gaap	Assets Fair Value Disclosure AssetsFairValueDisclosure	858279000	usd
CY2024Q3	us-gaap	Financing Receivable Threshold Period Past Due FinancingReceivableThresholdPeriodPastDue	P120D
CY2023Q4	upst	Payable To Securitization Note Holders At Fair Value PayableToSecuritizationNoteHoldersAtFairValue	141400000	usd
CY2024Q3	upst	Payable To Securitization Note Holders At Fair Value PayableToSecuritizationNoteHoldersAtFairValue	100300000	usd
CY2023Q4	us-gaap	Servicing Asset At Fair Value Amount ServicingAssetAtFairValueAmount	28100000	usd
CY2024Q3	us-gaap	Servicing Asset At Fair Value Amount ServicingAssetAtFairValueAmount	26700000	usd
CY2023Q4	us-gaap	Servicing Liability At Fair Value Amount ServicingLiabilityAtFairValueAmount	2000000	usd
CY2024Q3	us-gaap	Servicing Liability At Fair Value Amount ServicingLiabilityAtFairValueAmount	1200000	usd
CY2023Q4	upst	Beneficial Interest Asset BeneficialInterestAsset	41000000.0	usd
CY2024Q3	upst	Beneficial Interest Asset BeneficialInterestAsset	131500000	usd
CY2023Q4	upst	Beneficial Interest Liabilities BeneficialInterestLiabilities	4200000	usd
CY2024Q3	upst	Beneficial Interest Liabilities BeneficialInterestLiabilities	13200000	usd
CY2024Q3	upst	Trailing Fee Liability At Fair Value Amount TrailingFeeLiabilityAtFairValueAmount	4300000	usd
CY2023Q4	upst	Trailing Fee Liability At Fair Value Amount TrailingFeeLiabilityAtFairValueAmount	4300000	usd
CY2024Q3	us-gaap	Goodwill Goodwill	67100000	usd
CY2023Q4	us-gaap	Goodwill Goodwill	67100000	usd
CY2023Q4	us-gaap	Finite Lived Intangible Assets Gross FiniteLivedIntangibleAssetsGross	23100000	usd
CY2023Q4	us-gaap	Finite Lived Intangible Assets Accumulated Amortization FiniteLivedIntangibleAssetsAccumulatedAmortization	11756000	usd
CY2023Q4	us-gaap	Finite Lived Intangible Assets Net FiniteLivedIntangibleAssetsNet	11344000	usd
CY2024Q3	us-gaap	Finite Lived Intangible Assets Gross FiniteLivedIntangibleAssetsGross	23100000	usd
CY2024Q3	us-gaap	Finite Lived Intangible Assets Accumulated Amortization FiniteLivedIntangibleAssetsAccumulatedAmortization	13396000	usd
CY2024Q3	us-gaap	Finite Lived Intangible Assets Net FiniteLivedIntangibleAssetsNet	9704000	usd
CY2023Q3	us-gaap	Adjustment For Amortization AdjustmentForAmortization	0	usd
	us-gaap	Adjustment For Amortization AdjustmentForAmortization	3200000	usd
	us-gaap	Adjustment For Amortization AdjustmentForAmortization	0	usd
CY2024Q3	us-gaap	Adjustment For Amortization AdjustmentForAmortization	0	usd
CY2024Q3	us-gaap	Finite Lived Intangible Assets Amortization Expense Remainder Of Fiscal Year FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear	285000	usd
CY2024Q3	us-gaap	Finite Lived Intangible Assets Amortization Expense Next Twelve Months FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths	1142000	usd
CY2024Q3	us-gaap	Finite Lived Intangible Assets Amortization Expense Year Two FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo	1142000	usd
CY2024Q3	us-gaap	Finite Lived Intangible Assets Amortization Expense Year Three FiniteLivedIntangibleAssetsAmortizationExpenseYearThree	1142000	usd
CY2024Q3	us-gaap	Finite Lived Intangible Assets Amortization Expense Year Four FiniteLivedIntangibleAssetsAmortizationExpenseYearFour	1142000	usd
CY2024Q3	upst	Finite Lived Intangible Asset Expected Amortization After Year Four FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour	4851000	usd
CY2024Q3	us-gaap	Finite Lived Intangible Assets Net FiniteLivedIntangibleAssetsNet	9704000	usd
CY2023Q4	us-gaap	Accrued Fees And Other Revenue Receivable AccruedFeesAndOtherRevenueReceivable	40490000	usd
CY2024Q3	us-gaap	Accrued Fees And Other Revenue Receivable AccruedFeesAndOtherRevenueReceivable	46076000	usd
CY2023Q4	upst	Line Of Credit Receivable Fair Value Disclosure LineOfCreditReceivableFairValueDisclosure	0	usd
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CY2024Q3	us-gaap	Other Assets Miscellaneous OtherAssetsMiscellaneous	21685000	usd
CY2023Q4	us-gaap	Prepaid Expense Current And Noncurrent PrepaidExpenseCurrentAndNoncurrent	17976000	usd
CY2024Q3	us-gaap	Prepaid Expense Current And Noncurrent PrepaidExpenseCurrentAndNoncurrent	19549000	usd
CY2023Q4	us-gaap	Other Receivables OtherReceivables	14847000	usd
CY2024Q3	us-gaap	Other Receivables OtherReceivables	10318000	usd
CY2023Q4	us-gaap	Intangible Assets Net Excluding Goodwill IntangibleAssetsNetExcludingGoodwill	11356000	usd
CY2024Q3	us-gaap	Intangible Assets Net Excluding Goodwill IntangibleAssetsNetExcludingGoodwill	9716000	usd
CY2023Q4	us-gaap	Deposits Assets DepositsAssets	8919000	usd
CY2024Q3	us-gaap	Deposits Assets DepositsAssets	4950000	usd
CY2023Q4	us-gaap	Derivative Assets DerivativeAssets	5958000	usd
CY2024Q3	us-gaap	Derivative Assets DerivativeAssets	2139000	usd
CY2023Q4	us-gaap	Other Assets OtherAssets	146227000	usd
CY2024Q3	us-gaap	Other Assets OtherAssets	172652000	usd
CY2023Q4	us-gaap	Property Plant And Equipment Gross PropertyPlantAndEquipmentGross	80104000	usd
CY2024Q3	us-gaap	Property Plant And Equipment Gross PropertyPlantAndEquipmentGross	89484000	usd
CY2023Q4	us-gaap	Accumulated Depreciation Depletion And Amortization Property Plant And Equipment AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment	37449000	usd
CY2024Q3	us-gaap	Accumulated Depreciation Depletion And Amortization Property Plant And Equipment AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment	51156000	usd
CY2023Q4	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	42655000	usd
CY2024Q3	us-gaap	Property Plant And Equipment Net PropertyPlantAndEquipmentNet	38328000	usd
CY2023Q3	us-gaap	Depreciation Depreciation	3900000	usd
	us-gaap	Depreciation Depreciation	12600000	usd
CY2024Q3	us-gaap	Depreciation Depreciation	5100000	usd
	us-gaap	Depreciation Depreciation	14200000	usd
CY2023Q4	us-gaap	Capitalized Computer Software Net CapitalizedComputerSoftwareNet	31300000	usd
CY2024Q3	us-gaap	Capitalized Computer Software Net CapitalizedComputerSoftwareNet	29400000	usd
CY2023Q3	us-gaap	Capitalized Computer Software Impairments1 CapitalizedComputerSoftwareImpairments1	0	usd
	us-gaap	Capitalized Computer Software Impairments1 CapitalizedComputerSoftwareImpairments1	2600000	usd
CY2024Q3	us-gaap	Capitalized Computer Software Impairments1 CapitalizedComputerSoftwareImpairments1	0	usd
	us-gaap	Capitalized Computer Software Impairments1 CapitalizedComputerSoftwareImpairments1	0	usd
CY2023Q4	us-gaap	Accrued Liabilities Current And Noncurrent AccruedLiabilitiesCurrentAndNoncurrent	28099000	usd
CY2024Q3	us-gaap	Accrued Liabilities Current And Noncurrent AccruedLiabilitiesCurrentAndNoncurrent	35364000	usd
CY2023Q4	us-gaap	Employee Related Liabilities Current And Noncurrent EmployeeRelatedLiabilitiesCurrentAndNoncurrent	30161000	usd
CY2024Q3	us-gaap	Employee Related Liabilities Current And Noncurrent EmployeeRelatedLiabilitiesCurrentAndNoncurrent	31336000	usd
CY2023Q4	us-gaap	Accounts Payable Current And Noncurrent AccountsPayableCurrentAndNoncurrent	12613000	usd
CY2024Q3	us-gaap	Accounts Payable Current And Noncurrent AccountsPayableCurrentAndNoncurrent	22617000	usd
CY2023Q4	us-gaap	Beneficial Interest BeneficialInterest	4221000	usd
CY2024Q3	us-gaap	Beneficial Interest BeneficialInterest	13162000	usd
CY2023Q4	upst	Trailing Fee Liability At Fair Value Amount TrailingFeeLiabilityAtFairValueAmount	4251000	usd
CY2024Q3	upst	Trailing Fee Liability At Fair Value Amount TrailingFeeLiabilityAtFairValueAmount	4345000	usd
CY2023Q4	us-gaap	Other Liabilities OtherLiabilities	2668000	usd
CY2024Q3	us-gaap	Other Liabilities OtherLiabilities	3628000	usd
CY2023Q4	us-gaap	Servicing Liability At Fair Value Amount ServicingLiabilityAtFairValueAmount	2038000	usd
CY2024Q3	us-gaap	Servicing Liability At Fair Value Amount ServicingLiabilityAtFairValueAmount	1164000	usd
CY2023Q4	us-gaap	Accrued Liabilities And Other Liabilities AccruedLiabilitiesAndOtherLiabilities	84051000	usd
CY2024Q3	us-gaap	Accrued Liabilities And Other Liabilities AccruedLiabilitiesAndOtherLiabilities	111616000	usd
CY2023Q4	upst	Long Term And Short Term Debt Gross LongTermAndShortTermDebtGross	1048675000	usd
CY2024Q3	upst	Long Term And Short Term Debt Gross LongTermAndShortTermDebtGross	900463000	usd
CY2023Q4	us-gaap	Debt Instrument Unamortized Discount DebtInstrumentUnamortizedDiscount	8251000	usd
CY2024Q3	us-gaap	Debt Instrument Unamortized Discount DebtInstrumentUnamortizedDiscount	13096000	usd
CY2023Q4	us-gaap	Debt Longterm And Shortterm Combined Amount DebtLongtermAndShorttermCombinedAmount	1040424000	usd
CY2024Q3	us-gaap	Debt Longterm And Shortterm Combined Amount DebtLongtermAndShorttermCombinedAmount	887367000	usd
CY2024Q3	upst	Long Term And Short Term Debt Maturity Remainder Of Fiscal Year LongTermAndShortTermDebtMaturityRemainderOfFiscalYear	0	usd
CY2024Q3	upst	Long Term And Short Term Debt Maturity Year One LongTermAndShortTermDebtMaturityYearOne	47477000	usd
CY2024Q3	upst	Long Term And Short Term Debt Maturity Year Two LongTermAndShortTermDebtMaturityYearTwo	378301000	usd
CY2024Q3	upst	Long Term And Short Term Debt Maturity Year Three LongTermAndShortTermDebtMaturityYearThree	0	usd
CY2024Q3	upst	Long Term And Short Term Debt Maturity Year Four LongTermAndShortTermDebtMaturityYearFour	43435000	usd
CY2024Q3	upst	Long Term And Short Term Debt Maturity Year Five LongTermAndShortTermDebtMaturityYearFive	431250000	usd
CY2024Q3	upst	Long Term And Short Term Debt Maturity After Year Five LongTermAndShortTermDebtMaturityAfterYearFive	0	usd
CY2024Q3	upst	Long Term And Short Term Debt Gross LongTermAndShortTermDebtGross	900463000	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
CY2023Q4	us-gaap	Common Stock Capital Shares Reserved For Future Issuance CommonStockCapitalSharesReservedForFutureIssuance	27468577	shares
CY2024Q3	us-gaap	Common Stock Capital Shares Reserved For Future Issuance CommonStockCapitalSharesReservedForFutureIssuance	27980321	shares
CY2022Q1	srt	Stock Repurchase Program Authorized Amount1 StockRepurchaseProgramAuthorizedAmount1	400000000	usd
	us-gaap	Stock Repurchased And Retired During Period Shares StockRepurchasedAndRetiredDuringPeriodShares	0	shares
CY2024Q3	us-gaap	Stock Repurchase Program Remaining Authorized Repurchase Amount1 StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1	222100000	usd
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
	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross	1324632	shares
	us-gaap	Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice	26.48
	us-gaap	Stock Issued During Period Shares Stock Options Exercised StockIssuedDuringPeriodSharesStockOptionsExercised	1488118	shares
	us-gaap	Share Based Compensation Arrangements By Share Based Payment Award Options Exercises In Period Weighted Average Exercise Price ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice	8.25
	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures And Expirations In Period ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriod	103416	shares
	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures And Expirations In Period Weighted Average Exercise Price ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice	22.87
CY2024Q3	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber	12350352	shares
CY2024Q3	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice	16.54
	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Outstanding Weighted Average Remaining Contractual Term2 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2	P5Y9M18D
CY2024Q3	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Intrinsic Value ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue	334377000	usd
CY2024Q3	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Number ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber	8718678	shares
CY2024Q3	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Weighted Average Exercise Price ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice	13.32
	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Weighted Average Remaining Contractual Term1 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1	P4Y8M12D
CY2024Q3	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Intrinsic Value1 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1	265970000	usd
CY2024Q3	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Vested And Expected To Vest Outstanding Number ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber	12328033	shares
CY2024Q3	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Vested And Expected To Vest Outstanding Weighted Average Exercise Price ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice	16.51
	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested And Expected To Vest Outstanding Weighted Average Remaining Contractual Term1 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1	P5Y9M18D
CY2024Q3	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Vested And Expected To Vest Outstanding Aggregate Intrinsic Value ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue	334105000	usd
	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue	18500000	usd
	us-gaap	Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue	34000000.0	usd
	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1	26400000	usd
	us-gaap	Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1 SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1	23200000	usd
	upst	Annual Target Bonus Opportunity Percentage Of Salary Percent AnnualTargetBonusOpportunityPercentageOfSalaryPercent	0.75
	upst	Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Number Of Vesting Tranches ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNumberOfVestingTranches	9	vesting_tranche
CY2023Q3	us-gaap	Allocated Share Based Compensation Expense AllocatedShareBasedCompensationExpense	35568000	usd
CY2024Q3	us-gaap	Allocated Share Based Compensation Expense AllocatedShareBasedCompensationExpense	33618000	usd
	us-gaap	Allocated Share Based Compensation Expense AllocatedShareBasedCompensationExpense	142273000	usd
	us-gaap	Allocated Share Based Compensation Expense AllocatedShareBasedCompensationExpense	103604000	usd
CY2024Q3	us-gaap	Letters Of Credit Outstanding Amount LettersOfCreditOutstandingAmount	2600000	usd
CY2024Q3	us-gaap	Lessee Operating Lease Liability Payments Remainder Of Fiscal Year LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear	3750000	usd
CY2024Q3	us-gaap	Lessee Operating Lease Liability Payments Due Next Twelve Months LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths	15402000	usd
CY2024Q3	us-gaap	Lessee Operating Lease Liability Payments Due Year Two LesseeOperatingLeaseLiabilityPaymentsDueYearTwo	15850000	usd
CY2024Q3	us-gaap	Lessee Operating Lease Liability Payments Due Year Three LesseeOperatingLeaseLiabilityPaymentsDueYearThree	15474000	usd
CY2024Q3	us-gaap	Lessee Operating Lease Liability Payments Due Year Four LesseeOperatingLeaseLiabilityPaymentsDueYearFour	6143000	usd
CY2024Q3	upst	Lessee Operating Lease Liability To Be Paid After Year Four LesseeOperatingLeaseLiabilityToBePaidAfterYearFour	2990000	usd
CY2024Q3	us-gaap	Lessee Operating Lease Liability Payments Due LesseeOperatingLeaseLiabilityPaymentsDue	59609000	usd
CY2024Q3	us-gaap	Lessee Operating Lease Liability Undiscounted Excess Amount LesseeOperatingLeaseLiabilityUndiscountedExcessAmount	6261000	usd
CY2024Q3	us-gaap	Operating Lease Liability OperatingLeaseLiability	53348000	usd
CY2023Q3	us-gaap	Sublease Income SubleaseIncome	0	usd
	us-gaap	Sublease Income SubleaseIncome	0	usd
	us-gaap	Sublease Income SubleaseIncome	0	usd
CY2024Q3	us-gaap	Sublease Income SubleaseIncome	0	usd
CY2023Q3	us-gaap	Operating Lease Cost OperatingLeaseCost	4016000	usd
CY2024Q3	us-gaap	Operating Lease Cost OperatingLeaseCost	3542000	usd
	us-gaap	Operating Lease Cost OperatingLeaseCost	12062000	usd
	us-gaap	Operating Lease Cost OperatingLeaseCost	10625000	usd
CY2023Q3	us-gaap	Variable Lease Cost VariableLeaseCost	1016000	usd
CY2024Q3	us-gaap	Variable Lease Cost VariableLeaseCost	937000	usd
	us-gaap	Variable Lease Cost VariableLeaseCost	2936000	usd
	us-gaap	Variable Lease Cost VariableLeaseCost	2862000	usd
CY2023Q3	us-gaap	Operating Lease Payments OperatingLeasePayments	3803000	usd
CY2024Q3	us-gaap	Operating Lease Payments OperatingLeasePayments	3591000	usd
	us-gaap	Operating Lease Payments OperatingLeasePayments	11263000	usd
	us-gaap	Operating Lease Payments OperatingLeasePayments	10850000	usd
CY2023Q4	us-gaap	Operating Lease Weighted Average Remaining Lease Term1 OperatingLeaseWeightedAverageRemainingLeaseTerm1	P4Y6M21D
CY2024Q3	us-gaap	Operating Lease Weighted Average Remaining Lease Term1 OperatingLeaseWeightedAverageRemainingLeaseTerm1	P3Y10M2D
CY2023Q4	us-gaap	Operating Lease Weighted Average Discount Rate Percent OperatingLeaseWeightedAverageDiscountRatePercent	0.0511
CY2024Q3	us-gaap	Operating Lease Weighted Average Discount Rate Percent OperatingLeaseWeightedAverageDiscountRatePercent	0.0518
CY2023Q3	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	10000	usd
CY2024Q3	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	45000	usd
	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	44000	usd
	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	74000	usd
CY2023Q3	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	-0.0003
CY2024Q3	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	-0.0067
	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	-0.0002
	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	-0.0006
CY2023Q3	us-gaap	Net Income Loss NetIncomeLoss	-40315000	usd
CY2024Q3	us-gaap	Net Income Loss NetIncomeLoss	-6758000	usd
	us-gaap	Net Income Loss NetIncomeLoss	-197734000	usd
	us-gaap	Net Income Loss NetIncomeLoss	-125826000	usd
CY2023Q3	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	84404966	shares
CY2024Q3	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	90119481	shares
	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	83158146	shares
	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	88534495	shares
CY2023Q3	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	84404966	shares
CY2024Q3	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	90119481	shares
	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	83158146	shares
	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	88534495	shares
CY2023Q3	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	-0.48
CY2024Q3	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	-0.07
	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	-2.38
	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	-1.42
CY2023Q3	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	-0.48
CY2024Q3	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	-0.07
	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	-2.38
	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	-1.42
CY2023Q3	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	21915816	shares
CY2024Q3	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	27519057	shares
	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	27519057	shares
CY2024Q3	us-gaap	Restructuring And Related Cost Number Of Positions Eliminated Inception To Date Percent RestructuringAndRelatedCostNumberOfPositionsEliminatedInceptionToDatePercent	0.10
CY2024Q3	ecd	Rule10b51 Arr Trmntd Flag Rule10b51ArrTrmntdFlag	false
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CY2024Q3	ecd	Non Rule10b51 Arr Trmntd Flag NonRule10b51ArrTrmntdFlag	false

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Upstart Holdings, Inc. Stock $upst

2024 Q4 Form 10-Q Financial Statement

#000164763924000047 Filed on November 08, 2024

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$UPST Upstart Holdings, Inc. Stock $upst

2024 Q4 Form 10-Q Financial Statement

#000164763924000047 Filed on November 08, 2024

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$UPST
Upstart Holdings, Inc. Stock $upst