Valor20212022202320242025TTMGastos comerciales, generales y administrativos456.13 M531.07 M339.53 M397.74 M555.25 M555.25 MInvestigación y desarrollo134 M237.25 M280.14 M253.65 M257.6 M257.6 MBeneficio operativo140.88 M-113.86 M-256.52 M-172.86 M42.63 M42.63 MTotal de ingresos no operativos-5.17 M9.47 M21.21 M18.79 M24.32 M24.32 MGastos por intereses, netos de intereses capitalizados3.27 M10.84 M34.89 M40.43 M31.66 M31.66 MIngresos no operativos, una vez deducidos los gastos por intereses-3.27 M-10.84 M-34.89 M-40.43 M-31.66 M-31.66 MIngresos/gastos extraordinarios-5.17 M9.47 M21.21 M18.79 M24.32 M24.32 MBeneficio antes de impuestos391.26 M311.38 M174.03 M238.79 M488.61 M488.61 MParticipación en los beneficios——————Impuestos-1.71 M-409 K107 K185 K728 K728 KParticipación minoritaria00————Otros ingresos/gastos después de impuestos-1.98 M-3.05 M3.87 M———Beneficio neto antes de actividades interrumpidas135.44 M-108.67 M-240.13 M-128.58 M53.6 M53.6 MOperaciones suspendidas——————Beneficio neto135.44 M-108.67 M-240.13 M-128.58 M53.6 M53.6 MAjuste por dilución00————Dividendos de las acciones preferentes00————Beneficio neto diluido atribuible a los accionistas135.44 M-108.67 M-240.13 M-128.58 M48.72 M47.64 MBeneficio básico por acción1.73-1.31-2.87-1.440.560.56Beneficio por acción diluido1.43-1.31-2.87-1.440.450.45Número medio de acciones ordinarias78.11 M82.77 M83.77 M89.45 M96.03 M382.51 MAcciones diluidas94.77 M82.77 M83.77 M89.45 M107.49 M414.34 MEBITDA148.42 M-100.35 M-231.62 M-152.31 M67.47 M67.47 MEBIT140.88 M-113.86 M-256.52 M-172.86 M42.63 M42.63 MCosto de los ingresos——————Otros costes de producción——————Amortización y depreciación (flujo de caja)7.54 M13.51 M24.9 M20.55 M24.84 M24.84 M
Upstart Holdings Inc
Upstart is an AI lending platform that partners with banks and credit unions to provide consumer loans using non-traditional variables, such as education and employment, to predict creditworthiness.
The founding team includes Dave Girouard, former President of Enterprise Google; Paul Gu, a Thiel Fellow; and Anna Counselman, former Manager of Global Enterprise Customer Programs and Gmail Consumer Operations at Google.
Upstart first launched in April 2012 with an Income Share Agreement product, which enabled individuals to raise money by contracting to share a percent of their future income. In May 2014, Upstart pivoted away from this product and toward the personal loan marketplace. With this pivot, Upstart began offering a traditional 3-year loan, and has since expanded to offer a 5-year loan product as well.
Upstart developed an income and default prediction model to determine creditworthiness of a potential borrower.