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    UPST

    Upstart Holdings, Inc.

    Company overview

    Market capitalization
    $2.24B
    Employees
    1,405
    Latest publication
    2026-09-29
    About Upstart Holdings, Inc.

    Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.

    Company website

    Financial statements

    Income Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20262026-06-30 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ3 20232023-09-30 · USDQ2 20232023-06-30 · USDQ3 20222022-09-30 · USDQ2 20222022-06-30 · USD
    Total Revenue364,708,000USD304,168,000USD285,899,000USD265,063,000USD134,557,000USD135,766,000USD157,233,000USD228,162,000USD
    Research Development93,860,000USD66,913,000USD64,025,999USD68,825,000USD54,941,000USD57,974,000USD37,085,000USD57,045,000USD
    Selling And Marketing Expenses114,512,000USD——73,105,000USD33,042,000USD23,891,000USD56,362,000USD105,212,000USD
    General And Administrative Expenses80,378,000USD———————
    Total Operating Expenses350,069,000USD257,056,000USD245,176,000USD251,635,000USD178,402,000USD169,110,000USD215,324,000USD260,269,000USD
    Operating Income14,639,000USD19,162,000USD31,929,000USD5,656,000USD-43,845,000USD-33,344,000USD-58,091,000USD-32,107,000USD
    Total Other Income Expense Net2,514,000USD243,000USD8,263,000USD1,114,000USD3,540,000USD5,197,000USD-3,050,000USD-2,313,000USD
    Interest Income57,051,000USD60,836,000USD57,203,000USD45,623,000USD37,692,000USD33,916,000USD22,115,000USD28,974,000USD
    Interest Expense12,531,000USD27,950,000USD8,794,000USD7,772,000USD9,414,000USD4,282,000USD3,050,000USD2,313,000USD
    Net Interest Income16,689,000USD32,886,000USD48,409,000USD37,851,000USD28,278,000USD29,634,000USD-22,115,000USD26,661,000USD
    Income Before Tax17,153,000USD19,162,000USD31,929,000USD5,656,000USD-40,305,000USD-28,147,000USD-56,211,000USD-29,847,000USD
    Income Tax Expense614,000USD526,000USD124,000USD49,000USD10,000USD18,000USD12,000USD24,000USD
    Net Income16,539,000USD18,636,000USD31,805,000USD5,607,000USD-40,315,000USD-28,165,000USD-56,223,000USD-29,871,000USD
    Cost Of Revenue—27,950,000USD8,794,000USD7,772,000USD36,914,000USD36,797,000USD45,028,000USD51,072,000USD
    Gross Profit—276,218,000USD277,105,000USD257,291,000USD97,643,000USD98,969,000USD112,205,000USD177,090,000USD
    Selling General Administrative—119,670,000USD110,569,000USD110,819,000USD90,419,000USD87,245,000USD92,780,000USD98,012,000USD
    Unclassified Operating Expenses—70,473,000USD70,581,001USD———29,097,000USD—
    Tax Provision—526,000USD124,000USD49,000USD10,000USD18,000USD12,000USD24,000USD
    Net Income From Continuing Ops—18,636,000USD31,805,000USD5,607,000USD-40,315,000USD-28,165,000USD-56,223,000USD-29,871,000USD
    Ebit—19,162,000USD31,929,000USD5,656,000USD-43,845,000USD-33,344,000USD-58,091,000USD-32,107,000USD
    Ebitda—25,623,000USD38,060,000USD11,499,000USD-38,911,000USD-28,919,000USD-54,367,000USD-28,753,000USD
    Depreciation And Amortization—6,461,000USD6,131,000USD5,843,000USD4,934,000USD4,425,000USD3,724,000USD3,354,000USD
    Reconciled Depreciation—6,461,000USD6,131,000USD5,843,000USD4,934,000USD4,425,000USD3,724,000USD3,354,000USD
    Minority Interest————0USD0USD0USD0USD
    Net Income Applicable To Common Shares————-40,315,000USD-28,165,000USD-56,223,000USD-29,871,000USD
    Non Operating Income Net Other—————5,197,000USD1,880,000USD2,260,000USD
    SourceDisclosureDeterministicFinalLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Income Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20222022-12-31 · USDFY 20212021-12-31 · USDFY 20202020-12-31 · USDFY 20192019-12-31 · USDFY 20172017-12-31 · USD
    Total Revenue1,075,521,000USD842,444,000USD848,589,000USD233,416,000USD164,189,000USD57,289,000USD
    Cost Of Revenue51,536,000USD187,994,000USD117,579,000USD37,581,000USD24,947,000USD10,232,000USD
    Gross Profit1,023,985,000USD654,450,000USD731,010,000USD195,835,000USD139,242,000USD47,057,000USD
    Research Development257,602,000USD237,247,000USD133,999,000USD38,802,000USD18,777,000USD5,324,000USD
    Selling General Administrative442,117,000USD373,284,000USD240,256,000USD83,190,000USD56,812,000USD25,663,000USD
    Unclassified Operating Expenses269,937,000USD—————
    Total Operating Expenses969,656,000USD956,307,000USD707,708,000USD221,651,000USD168,764,000USD64,825,000USD
    Operating Income54,329,000USD-113,863,000USD140,881,000USD11,765,000USD-4,575,000USD-7,536,000USD
    Interest Income204,230,000USD105,580,000USD50,588,000USD12,842,000USD30,827,000USD15,548,000USD
    Interest Expense51,536,000USD10,843,000USD3,274,000USD8,026,000USD26,485,000USD9,420,000USD
    Net Interest Income152,694,000USD94,737,000USD47,314,000USD4,816,000USD4,342,000USD6,128,000USD
    Income Before Tax54,329,000USD-109,074,000USD133,731,000USD5,950,000USD-4,946,000USD-8,855,000USD
    Income Tax Expense728,000USD-409,000USD-1,712,000USD371,000USD74,000USD6,000USD
    Tax Provision728,000USD-409,000USD-1,712,000USD371,000USD74,000USD6,000USD
    Net Income53,601,000USD-108,665,000USD135,443,000USD5,579,000USD-5,020,000USD-8,861,000USD
    Net Income From Continuing Ops53,601,000USD-103,981,000USD135,443,000USD5,579,000USD-5,020,000USD-8,861,000USD
    Ebit54,329,000USD-113,863,000USD140,881,000USD11,765,000USD-4,575,000USD-7,536,000USD
    Ebitda79,164,000USD-100,350,000USD148,422,000USD14,043,000USD-3,801,000USD-7,443,000USD
    Depreciation And Amortization24,835,000USD13,513,000USD7,541,000USD2,278,000USD774,000USD93,000USD
    Reconciled Depreciation24,835,000USD13,513,000USD7,541,000USD2,278,000USD774,000USD93,000USD
    Total Other Income Expense Net11,698,000USD-11,661,000USD-7,150,000USD-404,000USD-4,554,000USD-10,564,000USD
    Selling And Marketing Expenses—345,776,000USD333,453,000USD99,659,000USD93,175,000USD33,838,000USD
    Non Operating Income Net Other—9,473,000USD-5,174,000USD———
    Minority Interest—0USD0USD-404,000USD1,026,000USD-1,144,000USD
    Net Income Applicable To Common Shares—-108,665,000USD135,443,000USD5,983,000USD-466,000USD-7,717,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20262026-06-30 · USDQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USD
    Total Assets3,171,273,000USD2,961,681,000USD2,974,805,000USD2,904,848,000USD2,477,868,000USD2,296,277,000USD2,366,958,000USD1,808,980,000USD
    Cash And Equivalents455,957,000USD———————
    Total Liabilities2,373,785,000USD———————
    Total Stockholder Equity797,488,000USD733,166,000USD798,815,000USD743,718,000USD722,010,000USD676,642,000USD633,218,000USD595,536,000USD
    Total Equity Including Noncontrolling Interest797,488,000USD———————
    Property Plant Equipment Net68,204,000USD61,607,000USD60,584,000USD78,905,000USD81,562,000USD82,964,000USD82,468,000USD84,646,000USD
    Goodwill67,062,000USD———————
    Common Stock10,000USD10,000USD10,000USD10,000USD10,000USD10,000USD9,000USD9,000USD
    Retained Earnings-347,663,000USD-364,202,000USD-357,556,000USD-376,192,000USD-407,997,000USD-413,604,000USD-411,157,000USD-408,402,000USD
    Intangible Assets—7,992,000USD8,289,000USD8,574,000USD8,860,000USD9,145,000USD9,431,000USD9,716,000USD
    Total Liab—2,228,515,000USD2,175,990,000USD2,161,130,000USD1,755,858,000USD1,619,635,000USD1,733,740,000USD1,213,444,000USD
    Other Current Liab—200,604,999USD271,708,000USD225,459,000USD231,296,000USD210,185,000USD249,789,000USD66,700,000USD
    Capital Stock—10,000USD10,000USD10,000USD10,000USD10,000USD9,000USD9,000USD
    Good Will—67,062,000USD67,062,000USD67,062,000USD67,062,000USD67,062,000USD67,062,000USD67,062,000USD
    Other Assets—2,301,280,000USD2,132,372,000USD2,187,296,000USD1,848,221,000USD—1,190,887,000USD666,438,000USD
    Cash—931,334,000USD657,445,000USD494,887,000USD400,556,000USD605,365,000USD793,607,000USD450,224,000USD
    Cash And Short Term Investments—931,334,000USD657,445,000USD494,887,000USD400,556,000USD605,365,000USD793,607,000USD450,224,000USD
    Total Current Assets—931,334,000USD1,199,143,000USD992,843,000USD832,416,000USD935,723,000USD1,080,566,000USD557,681,000USD
    Total Current Liabilities—230,827,000USD401,022,000USD377,762,000USD449,600,000USD350,504,000USD457,775,000USD259,401,000USD
    Net Debt—1,047,067,000USD1,192,849,000USD1,401,418,000USD1,071,756,000USD776,572,000USD658,839,000USD490,491,000USD
    Short Term Debt—7,503,000USD97,333,000USD140,522,000USD189,539,000USD126,975,000USD195,605,000USD170,084,000USD
    Short Long Term Debt—183,307,000USD97,333,000USD140,522,000USD189,539,000USD126,975,000USD195,605,000USD170,084,000USD
    Short Long Term Debt Total—1,978,401,000USD1,850,294,000USD1,896,305,000USD1,472,312,000USD1,381,937,000USD1,452,446,000USD940,715,000USD
    Long Term Debt—1,738,358,000USD1,731,812,000USD1,715,232,000USD1,238,940,000USD1,207,888,000USD1,206,563,000USD717,283,000USD
    Long Term Investments—41,250,000USD41,250,000USD41,250,000USD41,250,000USD41,250,000USD41,250,000USD41,250,000USD
    Short Term Investments—41,250,000USD41,250,000USD41,250,000USD41,250,000USD—5,185,000USD4,950,000USD
    Accounts Payable—22,719,000USD31,981,000USD11,781,000USD28,765,000USD13,344,000USD12,381,000USD22,617,000USD
    Property Plant Equipment Gross—145,413,000USD139,005,000USD151,319,000USD148,298,000USD144,311,000USD137,869,000USD135,802,000USD
    Common Stock Shares Outstanding—96,901,974shares112,223,816shares109,724,669shares102,852,284shares94,275,000shares92,174,306shares90,119,481shares
    Non Current Assets Total—2,030,347,000USD1,775,662,000USD1,912,005,000USD1,645,452,000USD1,360,554,000USD1,286,392,000USD1,251,299,000USD
    Non Current Liabilities Total—1,997,687,999USD1,774,968,000USD1,783,368,000USD1,306,258,000USD1,269,131,000USD1,275,965,000USD954,043,000USD
    Non Currrent Assets Other—55,064,000USD613,925,000USD485,414,000USD426,721,000USD344,327,000USD278,013,000USD390,366,000USD
    Unclassified Current Assets—-41,250,000USD-41,250,000USD-41,250,000USD-41,250,000USD———
    Unclassified Non Current Assets—-503,908,000USD-1,147,820,000USD-956,496,000USD-828,224,000USD815,806,000USD-382,719,000USD—
    Unclassified Current Liabilities—-183,306,999USD-97,333,000USD-140,522,000USD-189,539,000USD-126,975,000USD-195,605,000USD-170,084,000USD
    Unclassified Non Current Liabilities—259,329,999USD43,156,000USD68,136,000USD67,318,000USD61,243,000USD69,402,000USD236,760,000USD
    Unclassified Equity—1,097,348,000USD1,156,351,000USD1,119,890,000USD1,129,987,000USD1,090,226,000USD1,044,357,000USD1,003,920,000USD
    Other Current Assets——444,282,000USD377,676,000USD332,470,000USD267,879,000USD216,671,000USD19,549,000USD
    Net Receivables——97,416,000USD120,280,000USD99,390,000USD62,479,000USD70,288,000USD87,908,000USD
    SourceDisclosureDeterministicFinalLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USDFY 20222022-12-31 · USDFY 20212021-12-31 · USDFY 20202020-12-31 · USDFY 20192019-12-31 · USDFY 20182018-12-31 · USD
    Total Assets2,974,805,000USD2,366,958,000USD2,017,100,000USD1,936,054,000USD1,820,455,000USD477,255,000USD393,462,000USD645,908,000USD
    Intangible Assets8,289,000USD9,431,000USD11,356,000USD15,631,000USD19,906,000USD6,000,000USD2,200,000USD1,400,000USD
    Other Current Assets444,282,000USD216,671,000USD17,976,000USD16,740,000USD30,012,000USD6,009,000USD5,224,000USD555,130,000USD
    Total Liab2,175,990,000USD1,733,740,000USD1,381,795,000USD1,263,619,000USD1,013,377,000USD177,003,000USD455,150,000USD542,655,000USD
    Total Stockholder Equity798,815,000USD633,218,000USD635,305,000USD672,435,000USD807,078,000USD300,252,000USD-62,714,000USD91,252,000USD
    Other Current Liab271,708,000USD249,789,000USD58,260,000USD45,331,000USD85,500,000USD24,808,000USD20,752,000USD344,956,000USD
    Common Stock10,000USD9,000USD9,000USD8,000USD8,000USD7,000USD2,000USD1,000USD
    Capital Stock10,000USD9,000USD9,000USD8,000USD8,000USD7,000USD2,000USD1,000USD
    Retained Earnings-357,556,000USD-411,157,000USD-282,576,000USD-42,444,000USD66,221,000USD-69,222,000USD-75,205,000USD-75,078,000USD
    Good Will67,062,000USD67,062,000USD67,062,000USD67,062,000USD67,062,000USD0USD——
    Other Assets2,132,372,000USD1,190,887,000USD1USD1,259,197,000USD578,214,000USD179,020,000USD277,987,000USD559,271,000USD
    Cash657,445,000USD793,607,000USD377,324,000USD432,413,000USD994,985,000USD258,766,000USD50,818,000USD73,038,000USD
    Cash And Short Term Investments657,445,000USD793,607,000USD377,324,000USD432,413,000USD994,985,000USD258,766,000USD50,818,000USD73,038,000USD
    Total Current Assets1,199,143,000USD1,080,566,000USD450,637,000USD501,986,000USD1,088,803,000USD295,505,000USD98,479,000USD633,222,000USD
    Total Current Liabilities401,022,000USD457,775,000USD458,298,000USD400,498,000USD140,093,000USD79,077,000USD111,907,000USD71,814,000USD
    Net Debt1,192,849,000USD658,839,000USD725,424,000USD654,768,000USD-199,187,000USD-176,708,000USD84,852,000USD428,187,000USD
    Short Term Debt97,333,000USD195,605,000USD387,425,000USD336,452,000USD48,030,000USD40,494,000USD84,596,000USD49,266,000USD
    Short Long Term Debt97,333,000USD195,605,000USD387,425,000USD336,452,000USD48,030,000USD40,494,000USD84,596,000USD49,266,000USD
    Short Long Term Debt Total1,850,294,000USD1,452,446,000USD1,102,748,000USD1,087,181,000USD795,798,000USD82,058,000USD135,670,000USD501,225,000USD
    Long Term Debt1,731,812,000USD1,206,563,000USD652,999,000USD986,394,000USD695,432,000USD62,626,000USD34,013,000USD78,891,000USD
    Long Term Investments41,250,000USD41,250,000USD41,250,000USD41,250,000USD40,000,000USD———
    Short Term Investments41,250,000USD5,185,000USD41,250,000USD41,250,000USD8,377,000USD———
    Net Receivables97,416,000USD70,288,000USD55,337,000USD52,833,000USD63,806,000USD30,730,000USD42,437,000USD5,054,000USD
    Accounts Payable31,981,000USD12,381,000USD12,613,000USD18,715,000USD6,563,000USD13,775,000USD6,559,000USD2,923,000USD
    Property Plant Equipment Net60,584,000USD82,468,000USD97,349,000USD130,503,000USD120,377,000USD28,342,000USD22,220,000USD102,000USD
    Property Plant Equipment Gross139,005,000USD137,869,000USD134,798,000USD130,503,000USD120,377,000USD28,342,000USD22,220,000USD1,502,000USD
    Common Stock Shares Outstanding107,492,735shares89,450,038shares83,765,896shares82,771,268shares94,772,641shares26,373,668shares14,357,973shares14,128,183shares
    Non Current Assets Total1,775,662,000USD1,286,392,000USD1,566,463,000USD1,434,068,000USD731,652,000USD181,750,000USD294,983,000USD12,686,000USD
    Non Current Liabilities Total1,774,968,000USD1,275,965,000USD923,497,000USD863,121,000USD873,284,000USD97,926,000USD343,243,000USD470,841,000USD
    Non Currrent Assets Other613,925,000USD278,013,000USD187,075,000USD169,201,000USD231,830,000USD74,948,000USD40,458,000USD11,184,000USD
    Unclassified Current Assets-41,250,000USD—-41,250,000USD-41,250,000USD————
    Unclassified Non Current Assets-1,147,820,000USD-382,719,000USD1,162,370,999USD-248,776,000USD-325,737,000USD-106,560,000USD-47,882,000USD-559,271,000USD
    Unclassified Current Liabilities-97,333,000USD-195,605,000USD-387,425,000USD-336,452,000USD-48,030,000USD-40,494,000USD-84,596,000USD-374,597,000USD
    Unclassified Non Current Liabilities43,156,000USD69,402,000USD270,498,000USD-327,632,000USD-30,112,000USD-11,532,000USD288,160,000USD369,160,000USD
    Unclassified Equity1,156,351,000USD1,044,357,000USD917,863,000USD714,863,000USD740,841,000USD369,460,000USD175,033,000USD166,328,000USD
    Current Deferred Revenue——-387,425,000USD—————
    Inventory——-55,337,000USD-1,179,491,000USD-8,288,000USD-19,074,000USD-34,116,000USD—
    Other Liab———103,572,000USD107,598,000USD46,832,000USD21,070,000USD22,790,000USD
    Accumulated Other Comprehensive Income———0USD0USD0USD-162,546,000USD0USD
    Non Current Liabilities Other———100,787,000USD100,366,000USD———
    Net Tangible Assets———589,742,000USD720,110,000USD294,252,000USD-64,914,000USD-66,671,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USDQ2 20242024-06-30 · USD
    Net Income-6,646,000USD18,636,000USD31,805,000USD5,607,000USD-2,447,000USD-2,755,000USD-6,758,000USD-54,470,000USD
    Depreciation5,858,000USD6,461,000USD6,131,000USD5,843,000USD6,400,000USD4,699,000USD5,390,000USD4,828,000USD
    Stock Based Compensation34,811,000USD32,453,000USD34,155,000USD35,511,000USD29,831,000USD29,796,000USD33,618,000USD34,209,000USD
    Other Non Cash Items-122,448,000USD6,317,000USD-180,763,000USD-205,734,000USD-4,574,000USD-161,357,000USD123,347,000USD69,947,000USD
    Change In Working Capital-44,872,000USD44,685,000USD-13,957,000USD38,611,000USD-42,696,000USD18,691,000USD23,743,000USD19,066,000USD
    Total Cash From Operating Activities-133,297,000USD108,552,000USD-122,629,000USD-120,162,000USD-13,486,000USD-110,926,000USD179,340,000USD73,580,000USD
    Capital Expenditures-6,992,000USD-3,919,000USD-3,963,000USD-4,366,000USD-6,159,000USD-3,419,000USD-2,494,000USD-2,328,000USD
    Free Cash Flow-140,289,000USD104,633,000USD-126,592,000USD-124,528,000USD-19,645,000USD-114,345,000USD176,846,000USD71,252,000USD
    Total Cashflows From Investing Activities876,000USD131,738,000USD-120,506,000USD-109,834,000USD-78,569,000USD-77,909,000USD-46,170,000USD-76,100,000USD
    Net Borrowings83,683,000USD-36,802,000USD425,803,000USD81,718,000USD-80,074,000USD503,296,000USD-4,704,000USD—
    Total Cash From Financing Activities6,743,000USD-20,183,000USD378,580,000USD91,928,000USD-44,680,000USD509,331,000USD-38,021,000USD123,987,000USD
    Sale Purchase Of Stock-100,057,000USD—8,449,000USD—0USD-3,000USD2,000USD-1,000USD
    Change In Cash-125,678,000USD220,107,000USD135,445,000USD-138,068,000USD-136,735,000USD320,496,000USD95,149,000USD121,467,000USD
    Begin Period Cash Flow1,057,012,000USD836,905,000USD701,460,000USD839,528,000USD976,263,000USD655,767,000USD560,618,000USD439,151,000USD
    End Period Cash Flow931,334,000USD1,057,012,000USD836,905,000USD701,460,000USD839,528,000USD976,263,000USD655,767,000USD560,618,000USD
    Other Cashflows From Investing Activities3,626,000USD131,895,000USD-120,431,000USD-109,719,000USD-72,410,000USD-74,490,000USD-46,054,000USD-76,063,000USD
    Other Cashflows From Financing Activities17,864,000USD14,262,000USD-55,608,000USD8,553,000USD22,493,000USD-3,098,000USD-33,317,000USD10,443,000USD
    Unclassified Investing Cash Flow4,242,000USD3,762,000USD124,394,000USD114,085,000USD78,569,000USD77,909,000USD48,548,000USD78,391,000USD
    Unclassified Financing Cash Flow5,253,000USD2,357,000USD—1,657,000USD12,901,000USD9,136,000USD—113,545,000USD
    Investments——-120,506,000USD-109,834,000USD-78,569,000USD-77,909,000USD-46,170,000USD-76,100,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USDFY 20222022-12-31 · USDFY 20212021-12-31 · USDFY 20202020-12-31 · USDFY 20192019-12-31 · USDFY 20182018-12-31 · USD
    Net Income53,601,000USD-128,581,000USD-240,132,000USD-108,665,000USD135,443,000USD5,579,000USD-5,020,000USD-11,218,000USD
    Depreciation24,835,000USD20,549,000USD24,903,000USD13,513,000USD7,541,000USD2,278,000USD774,000USD314,000USD
    Stock Based Compensation131,950,000USD133,400,000USD175,039,000USD125,945,000USD73,186,000USD11,513,000USD3,806,000USD2,045,000USD
    Other Non Cash Items-384,754,000USD126,336,000USD-51,812,000USD-683,608,000USD-103,061,000USD-50,975,000USD31,989,000USD2,982,000USD
    Change In Working Capital26,643,000USD34,627,000USD-19,710,000USD-5,045,000USD55,244,000USD18,253,000USD33,000USD13,933,000USD
    Total Cash From Operating Activities-147,725,000USD186,331,000USD-111,712,000USD-657,860,000USD168,353,000USD15,697,000USD31,582,000USD50,338,000USD
    Capital Expenditures-18,407,000USD-9,990,000USD-12,086,000USD-22,913,000USD-15,115,000USD-5,605,000USD-5,279,000USD-1,044,000USD
    Free Cash Flow-166,132,000USD176,341,000USD-123,798,000USD-680,773,000USD153,238,000USD10,092,000USD26,303,000USD49,294,000USD
    Total Cashflows From Investing Activities-177,171,000USD-237,726,000USD-118,455,000USD-114,125,000USD-143,877,000USD136,517,000USD45,433,000USD-137,237,000USD
    Net Borrowings390,645,000USD562,657,000USD192,971,000USD287,915,000USD647,106,000USD-82,182,000USD-115,964,000USD87,842,000USD
    Total Cash From Financing Activities405,645,000USD559,871,000USD165,487,000USD113,211,000USD855,432,000USD79,052,000USD-119,190,000USD135,766,000USD
    Change In Cash80,749,000USD508,476,000USD-64,680,000USD-658,774,000USD879,908,000USD231,266,000USD-42,175,000USD48,867,000USD
    Begin Period Cash Flow976,263,000USD467,787,000USD532,467,000USD1,191,241,000USD311,333,000USD80,067,000USD122,242,000USD73,375,000USD
    End Period Cash Flow1,057,012,000USD976,263,000USD467,787,000USD532,467,000USD1,191,241,000USD311,333,000USD80,067,000USD122,242,000USD
    Other Cashflows From Investing Activities-176,824,000USD-260,749,000USD-116,928,000USD-99,050,000USD-78,693,000USD142,122,000USD40,677,000USD-137,422,000USD
    Other Cashflows From Financing Activities-10,300,000USD-31,863,000USD-48,781,000USD-16,837,000USD-55,605,000USD1,746,000USD-3,226,000USD47,924,000USD
    Unclassified Investing Cash Flow18,060,000USD270,739,000USD184,234,000USD99,050,000USD-10,069,000USD-136,517,000USD-35,398,000USD138,466,000USD
    Unclassified Financing Cash Flow25,300,000USD29,099,000USD29,743,000USD32,370,000USD264,403,000USD160,149,000USD4,482,000USD—
    Investments—-237,726,000USD-173,675,000USD-91,212,000USD-40,000,000USD136,517,000USD45,433,000USD-137,237,000USD
    Sale Purchase Of Stock—-22,000USD-15,000USD-177,883,000USD-236,000USD-661,000USD-661,000USD0USD
    Dividends Paid——-8,431,000USD-12,354,000USD-236,000USD—-3,821,000USD—
    Issuance Of Capital Stock——0USD0USD263,931,000USD159,488,000USD1,912,000USD49,925,000USD
    Change To Liabilities———-19,422,000USD-7,513,000USD7,033,000USD3,613,000USD1,118,000USD
    Cash And Cash Equivalents Changes———-658,774,000USD879,908,000USD———
    Unclassified Operating Cash Flow—————29,049,000USD—42,282,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Operating metrics

    No operating metrics are currently published for this company.

    Revenue breakdown

    PeriodDimensionBusiness / regionRevenueCurrencySource
    FY 2021Yearly · 2021-12-31ProductBorrower Fees7,289,000USD0001647639-23-000021
    FY 2021Yearly · 2021-12-31ProductCollection Agency Fees4,473,000USD0001647639-23-000021
    FY 2021Yearly · 2021-12-31ProductOther35,552,000USD0001647639-23-000021
    FY 2021Yearly · 2021-12-31ProductPlatform And Referral Fees Net726,161,000USD0001647639-23-000021
    FY 2021Yearly · 2021-12-31ProductServicing Fees Net75,114,000USD0001647639-23-000021
    Q4 2021Quarterly · 2021-12-31ProductBorrower Fees3,246,000USDLegacy provider
    Q4 2021Quarterly · 2021-12-31ProductCollection Agency Fees1,405,000USDLegacy provider
    Q4 2021Quarterly · 2021-12-31ProductOther12,810,000USDLegacy provider
    Q4 2021Quarterly · 2021-12-31ProductPlatform And Referral Fees Net258,686,000USDLegacy provider
    Q4 2021Quarterly · 2021-12-31ProductServicing Fees Net28,701,000USDLegacy provider
    Q3 2021Quarterly · 2021-09-30ProductBorrower Fees2,062,000USD0001647639-22-000064
    Q3 2021Quarterly · 2021-09-30ProductCollection Agency Fees1,214,000USD0001647639-22-000064
    Q3 2021Quarterly · 2021-09-30ProductOther14,753,000USD0001647639-22-000064
    Q3 2021Quarterly · 2021-09-30ProductPlatform And Referral Fees Net191,442,000USD0001647639-22-000064
    Q3 2021Quarterly · 2021-09-30ProductServicing Fees Net18,979,000USD0001647639-22-000064
    Q2 2021Quarterly · 2021-06-30ProductBorrower Fees1,095,000USD0001647639-22-000049
    Q2 2021Quarterly · 2021-06-30ProductCollection Agency Fees991,000USD0001647639-22-000049
    Q2 2021Quarterly · 2021-06-30ProductOther4,563,000USD0001647639-22-000049
    Q2 2021Quarterly · 2021-06-30ProductPlatform And Referral Fees Net169,080,000USD0001647639-22-000049
    Q2 2021Quarterly · 2021-06-30ProductServicing Fees Net18,217,000USD0001647639-22-000049
    Q1 2021Quarterly · 2021-03-31ProductBorrower Fees886,000USD0001647639-22-000018
    Q1 2021Quarterly · 2021-03-31ProductCollection Agency Fees863,000USD0001647639-22-000018
    Q1 2021Quarterly · 2021-03-31ProductOther3,426,000USD0001647639-22-000018
    Q1 2021Quarterly · 2021-03-31ProductPlatform And Referral Fees Net106,953,000USD0001647639-22-000018
    Q1 2021Quarterly · 2021-03-31ProductServicing Fees Net9,217,000USD0001647639-22-000018
    FY 2020Yearly · 2020-12-31ProductBorrower Fees2,093,000USD0001647639-23-000021
    FY 2020Yearly · 2020-12-31ProductCollection Agency Fees2,777,000USD0001647639-23-000021
    FY 2020Yearly · 2020-12-31ProductPlatform And Referral Fees Net200,257,000USD0001647639-23-000021
    FY 2020Yearly · 2020-12-31ProductServicing Fees Net28,343,000USD0001647639-23-000021
    Q3 2020Quarterly · 2020-09-30ProductBorrower Fees512,000USD0001647639-21-000037
    Q3 2020Quarterly · 2020-09-30ProductCollection Agency Fees624,000USD0001647639-21-000037
    Q3 2020Quarterly · 2020-09-30ProductOther1,362,000USD0001647639-21-000037
    Q3 2020Quarterly · 2020-09-30ProductPlatform And Referral Fees Net55,643,000USD0001647639-21-000037
    Q3 2020Quarterly · 2020-09-30ProductServicing Fees Net7,218,000USD0001647639-21-000037
    Q2 2020Quarterly · 2020-06-30ProductBorrower Fees419,000USD0001647639-21-000032
    Q2 2020Quarterly · 2020-06-30ProductCollection Agency Fees654,000USD0001647639-21-000032
    Q2 2020Quarterly · 2020-06-30ProductOther2,975,000USD0001647639-21-000032
    Q2 2020Quarterly · 2020-06-30ProductPlatform And Referral Fees Net7,612,000USD0001647639-21-000032
    Q2 2020Quarterly · 2020-06-30ProductServicing Fees Net5,693,000USD0001647639-21-000032
    FY 2019Yearly · 2019-12-31ProductBorrower Fees1,539,000USD0001647639-22-000009
    FY 2019Yearly · 2019-12-31ProductCollection Agency Fees2,111,000USD0001647639-22-000009
    FY 2019Yearly · 2019-12-31ProductOther692,000USD0001647639-22-000009
    FY 2019Yearly · 2019-12-31ProductPlatform And Referral Fees Net144,055,000USD0001647639-22-000009
    FY 2019Yearly · 2019-12-31ProductServicing Fees Net15,792,000USD0001647639-22-000009

    Periods follow company fiscal calendars. Quarterly, annual and year-to-date amounts are shown separately. Missing values are not zero. Data may be delayed, incomplete or corrected; follow the disclosure links to verify figures.