UPST
Upstart Holdings, Inc.
+0.21 (+0.85%)25.06USD1.2M成交股數2.4B市值48.2本益比(近四季)2.0股價營收比+41.8%營收年增(近四季)2026-11-03下次財報
財報 SEC XBRL 申報值 · 美元 · 財年於 12 月結束
逐季數字是 10-Q 的單季值;財年第四季 XBRL 只有年度值,這裡用年度減前三季推算。年增率比的是去年同一會計季。
營收與利潤率近 16 季
稀釋 EPS近 16 季 · 美元
現金流近 16 季
股東回饋近 16 季 · 庫藏股與股利
損益表 逐季 · 最新在左 · 小字是年增率
| 科目 | 26Q2 | 26Q1 | 25Q3 | 25Q2 | 25Q1 | 24Q4 | 24Q3 | 24Q2 | 24Q1 | 23Q3 | 23Q2 | 23Q1 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 營收 | 365M+71% | 308M+41% | 277M+71% | 257M+102% | 213M+67% | 219M+49% | 162M+13% | 128M+9% | 128M | 147M | 144M | 117M |
| 營業成本 | – | – | – | – | – | – | – | – | – | – | – | – |
| 毛利 | – | – | – | – | – | – | – | – | – | – | – | – |
| 毛利率 | – | – | – | – | – | – | – | – | – | – | – | – |
| 研發費用 | 93.9M | 80.1M | 64.0M | 68.8M | 57.8M | 67.2M | 64.9M | 58.5M | 63.1M | 54.9M | 58.0M | 110M |
| 銷售管理費用 | 80.4M | 76.1M | 60.8M | 64.6M | 60.6M | 60.4M | 59.9M | 53.0M | 57.6M | 53.5M | 50.4M | 52.7M |
| 營業利益 | 14.6M-426% | −7.5M+58% | 23.7M-152% | 4.5M-108% | −4.5M-93% | −4.8M-89% | −45.2M+35% | −55.5M-58% | −67.5M | −43.8M | −33.3M | −132M |
| 營業利益率 | 4.0% | -2.4% | 8.5% | 1.8% | -2.1% | -2.2% | -27.8% | -43.5% | -52.8% | -29.9% | -23.2% | -112.5% |
| 稅後淨利 | 16.5M-776% | −6.6M+141% | 31.8M-571% | 5.6M-110% | −2.4M-96% | −2.8M-93% | −6.8M-76% | −54.5M-58% | −64.6M | −40.3M | −28.2M | −129M |
| 淨利率 | 4.5% | -2.2% | 11.5% | 2.2% | -1.1% | -1.3% | -4.2% | -42.7% | -50.5% | -27.5% | -19.6% | -110.3% |
| 稀釋 EPS | 0.16-633% | -0.07+600% | 0.23-429% | 0.05-108% | -0.03-96% | -0.01-98% | -0.07-79% | -0.62-61% | -0.74 | -0.48 | -0.34 | -1.58 |
| 稀釋股數 | 110M | 96.9M | 110M | 103M | 94.3M | 89.5M | 90.1M | 88.4M | 87.0M | 84.4M | 83.1M | 81.9M |
資產負債表 期末餘額
| 科目 | 26Q2 | 26Q1 | 25Q3 | 25Q2 | 25Q1 | 24Q4 | 24Q3 | 24Q2 | 24Q1 | 23Q3 | 23Q2 | 23Q1 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 現金與約當現金 | 456M | 473M | 490M | 396M | 600M | 788M | 656M | 561M | 439M | 615M | 510M | 452M |
| 應收帳款 | – | – | – | – | – | – | – | – | – | – | – | – |
| 存貨 | – | – | – | – | – | – | – | – | – | – | – | – |
| 總資產 | 3.2B | 3.0B | 2.9B | 2.5B | 2.3B | 2.4B | 1.8B | 1.8B | 1.9B | 2.0B | 1.8B | 1.8B |
| 有息負債 | – | – | – | – | – | – | – | – | – | – | – | – |
| 總負債 | 2.4B | 2.2B | 2.2B | 1.8B | 1.6B | 1.7B | 1.2B | 1.2B | 1.3B | 1.4B | 1.1B | 1.2B |
| 股東權益 | 797M | 733M | 744M | 722M | 677M | 633M | 596M | 595M | 613M | 641M | 638M | 627M |
| 負債比 | 74.9% | 75.2% | 74.4% | 70.9% | 70.5% | 73.2% | 67.1% | 67.3% | 68.2% | 68.0% | 63.8% | 65.6% |
| 淨現金(現金 − 有息負債) | – | – | – | – | – | – | – | – | – | – | – | – |
現金流量表 單季
| 科目 | 26Q2 | 26Q1 | 25Q3 | 25Q2 | 25Q1 | 24Q4 | 24Q3 | 24Q2 | 24Q1 | 23Q3 | 23Q2 | 23Q1 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 營業現金流 | – | −133M | – | – | −13.5M-130% | – | – | – | 44.3M | – | – | −75.7M |
| 資本支出 | – | 2.8M | – | – | 0.00 | – | – | – | 684K | – | – | 1.1M |
| 自由現金流 | – | −136M | – | – | −13.5M-131% | – | – | – | 43.7M | – | – | −76.8M |
| 折舊攤銷 | – | 5.9M | – | – | 6.4M | – | – | – | 5.6M | – | – | 6.4M |
| 買回庫藏股 | – | 100M | – | – | 0.00 | – | – | – | – | – | – | – |
| 現金股利 | – | – | – | – | – | – | – | – | – | – | – | – |
| 自由現金流率 | – | -44.1% | – | – | -6.3% | – | – | – | 34.2% | – | – | -65.6% |
營收拆解 2022 年度 10-K 的分部揭露 · 年增對前一年度
產品／服務2022 年度 · 943M
| Platform And Referral Fees Net | 732M | 77.6% | +0.8% |
|---|---|---|---|
| Servicing Fees Net | 175M | 18.6% | +133.0% |
| Borrower Fees | 25.2M | 2.7% | +245.8% |
| Collection Agency Fees | 10.5M | 1.1% | +135.2% |
各維度的加總不一定等於合併營收:分部有時含內部交易、地區有時只揭露主要國家。挑的是加總最接近合併營收的那個標籤。
年度 10-K
| 財年 | 營收 | 年增 | 稅後淨利 | 淨利率 | 稀釋 EPS | 自由現金流 |
|---|---|---|---|---|---|---|
| FY2025 | 1.0B | +64.0% | 53.6M | 5.1% | 0.45 | −148M |
| FY2024 | 637M | +23.9% | −129M | -20.2% | -1.44 | 185M |
| FY2023 | 514M | -43.4% | −240M | -46.8% | -2.87 | −113M |
| FY2022 | 907M | +13.2% | −109M | -12.0% | -1.31 | −667M |
| FY2021 | 801M | +250.5% | 135M | 16.9% | 1.43 | 160M |
| FY2020 | 229M | +43.0% | 6.0M | 2.6% | 0.00 | 14.3M |
| FY2019 | 160M | – | −466K | -0.3% | -0.03 | 27.6M |