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Income Statement (USD)
| Q3 '25 | QoQ | |
|---|---|---|
| Revenue | 286M | 11.1% |
| Gross Profit | 236M | 6.1% |
| Cost of Revenue | 50M | 752.1% |
| Operating expense | 212M | 14% |
| Net Income | 32M | 467.2% |
| EBITDA | 39M | 235.6% |
Balance Sheet (USD)
| Q3 '25 | QoQ | |
|---|---|---|
| Total Assets | 2.9B | 17.2% |
| Total Liabilities | 2.16B | 23.1% |
| Total Equity | 744M | 3% |
| Shares Outstanding | 110M | 6.7% |
Cash Flow (USD)
| Q3 '25 | QoQ | |
|---|---|---|
| Cash from operations | -123M | 2.1% |
| Cash from investing | -121M | 9.7% |
| Cash from financing | 379M | 311.8% |
EPS
Financial Highlights for Upstart in Q3 '25
Upstart reported a revenue of 286M, which is a 11.1% change from the previous quarter. An increase in revenue typically indicates growing demand for the company's products or services. This positive change in revenue is a good sign, suggesting that the company's sales are moving in the right direction.
Gross Profit stood at 236M, marking a -6.1% change since the last quarter. Gross profit showcases the efficiency in production and sales processes.
Cost of Revenue was 50M, a 752.1% difference from the previous quarter. A rising cost of revenue may suggest increased production or sales costs, which can impact margins. However, if accompanied by a proportionate rise in revenue, it could indicate scaling operations.
Operating Expenses for this period were 212M, showing a -14% change from the last quarter. Operating expenses cover the costs of running daily business operations. A significant increase might indicate inefficiencies or investments in growth, while a decrease could suggest cost-saving measures or potential underinvestment in key areas.
Net Income for the quarter was 32M, showing a 467.2% change from the prior quarter. Net income provides a clear picture of the company's profitability after all expenses. An increase suggests the company is becoming more profitable, while a decrease may raise concerns about the company's financial health, unless there are specific one-time costs or investments.
The company's EBITDA for the quarter was 39M, showing a 235.6% change from the previous period. EBITDA gives insight into the company's operational profitability, excluding non-operating expenses like interest and taxes. A rising EBITDA indicates strong operational performance, while a declining EBITDA may signal operational challenges or increased costs.
Upstart faced some challenges this quarter with a decline in one or more of the key metrics: revenue, gross profit, or net income. An increase in the cost of revenue, higher than the revenue growth, suggests potential margin pressures.
