Upstart Holdings, Inc. · Q3 2023
ReportedNov 7, 2023
Period endedSep 30, 2023
Rule of 40−81
The quarter in short
Revenue $135M, down 14.4% year over year and 0.9% on the quarter. EPS −$0.48, up 30.4% year over year and down 41.2% on the quarter. Free cash flow −$89M, up 38.7% year over year and down 77.9% on the quarter. Rule of 40 score −81.
Reported this quarter
Revenue
$135M
QoQ −0.9%
YoY −14.4%
EPS
−$0.48
QoQ −41.2%
YoY +30.4%
Free Cash Flow
−$89M
QoQ −77.9%
YoY +38.7%
Gross Margin
72.6%
QoQ −0.3 pp
YoY +1.2 pp
FCF Margin
-66.5%
QoQ −29.4 pp
YoY +26.3 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 7, 2023
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Press release (EX-99.1)
Exhibit 99.1 to the 8-K
278 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, 2023, filed Nov 8, 2023
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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 2023, spreadsheet-ready
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This quarter (JSON)
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