Upstart Holdings, Inc. · Q3 2022
ReportedNov 8, 2022
Period endedSep 30, 2022
Rule of 40−124
The quarter in short
Revenue $157M, down 31.2% year over year and 31.1% on the quarter. EPS −$0.69, down 91.7% on the quarter. Free cash flow −$146M, down 29.9% on the quarter. Rule of 40 score −124.
Reported this quarter
Revenue
$157M
QoQ −31.1%
YoY −31.2%
EPS
−$0.69
QoQ −91.7%
YoY —
Free Cash Flow
−$146M
QoQ −29.9%
YoY —
Gross Margin
71.4%
QoQ −6.3 pp
YoY −13.3 pp
FCF Margin
-92.8%
QoQ −43.5 pp
YoY −132.0 pp
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Sources & downloads
Company
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Earnings press release
Investor relations announcement
SEC filings
Filed with the SEC under CIK 1647639.
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8-K results announcement
Filed Nov 8, 2022
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Press release (EX-99.1)
Exhibit 99.1 to the 8-K
268 KB
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Filing index
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Complete submission
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10-Q quarterly report
Period ended Sep 30, 2022, filed Nov 9, 2022
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Every figure UPST has reported to the SEC
R40 data
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This quarter (CSV)
Reported metrics for Q3 2022, spreadsheet-ready
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This quarter (JSON)
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