Upstart Holdings, Inc. · Q4 2023
ReportedFeb 13, 2024
Period endedDec 31, 2023
Rule of 40−93
The quarter in short
Revenue $140M, down 4.5% year over year and up 4.3% on the quarter. EPS −$0.47, up 21.7% year over year and 2.1% on the quarter. Free cash flow −$124M, up 31.9% year over year and down 38.4% on the quarter. Rule of 40 score −93.
Reported this quarter
Revenue
$140M
QoQ +4.3%
YoY −4.5%
EPS
−$0.47
QoQ +2.1%
YoY +21.7%
Free Cash Flow
−$124M
QoQ −38.4%
YoY +31.9%
Gross Margin
74.3%
QoQ +1.7 pp
YoY +3.9 pp
FCF Margin
-88.2%
QoQ −21.8 pp
YoY +35.4 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 Feb 13, 2024
HTM
Press release (EX-99.1)
Exhibit 99.1 to the 8-K
289 KB
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Filing index
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Complete submission
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10-K annual report
Period ended Dec 31, 2023, filed Feb 15, 2024
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Every figure UPST has reported to the SEC
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This quarter (CSV)
Reported metrics for Q4 2023, spreadsheet-ready
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This quarter (JSON)
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