ValorQ4, 24Q1, 25Q2, 25Q3, 25Q4, 25TTMGastos comerciales, generales y administrativos115.89 M119.53 M137.68 M139.62 M158.42 M555.25 MInvestigación y desarrollo67.22 M57.84 M68.83 M64.03 M66.91 M257.6 MBeneficio operativo-4.75 M-4.5 M4.54 M23.67 M18.92 M42.63 MTotal de ingresos no operativos9.8 M2.08 M1.11 M1.02 M20.11 M24.32 MGastos por intereses, netos de intereses capitalizados7.43 M7.02 M7.77 M8.79 M8.08 M31.66 MIngresos no operativos, una vez deducidos los gastos por intereses-7.43 M-7.02 M-7.77 M-8.79 M-8.08 M-31.66 MIngresos/gastos extraordinarios9.8 M2.08 M1.11 M1.02 M20.11 M24.32 MBeneficio antes de impuestos103.07 M93.84 M119.61 M137.48 M137.67 M488.61 MParticipación en los beneficios——————Impuestos111 K29 K49 K124 K526 K728 KParticipación minoritaria——————Otros ingresos/gastos después de impuestos——————Beneficio neto antes de actividades interrumpidas-2.75 M-2.45 M5.61 M31.8 M18.64 M53.6 MOperaciones suspendidas——————Beneficio neto-2.75 M-2.45 M5.61 M31.8 M18.64 M53.6 MAjuste por dilución——————Dividendos de las acciones preferentes——————Beneficio neto diluido atribuible a los accionistas-2.75 M-2.45 M5.61 M25.14 M19.34 M47.64 MBeneficio básico por acción-0.01-0.030.060.330.20.56Beneficio por acción diluido-0.01-0.030.050.230.20.45Número medio de acciones ordinarias89.45 M94.27 M95.53 M96.68 M96.03 M382.51 MAcciones diluidas89.45 M94.27 M102.85 M109.72 M107.49 M414.34 MEBITDA-51 K1.9 M10.38 M29.8 M25.38 M67.47 MEBIT-4.75 M-4.5 M4.54 M23.67 M18.92 M42.63 MCosto de los ingresos——————Otros costes de producción——————Amortización y depreciación (flujo de caja)4.7 M6.4 M5.84 M6.13 M6.46 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.