Valor20212022202320242025TTMDespesas comerciais, gerais e administrativas456.13 M531.07 M339.53 M397.74 M555.25 M616.24 MPesquisa e desenvolvimento134 M237.25 M280.14 M253.65 M257.6 M279.88 MLucro operacional140.88 M-113.86 M-256.52 M-172.86 M42.63 M39.61 MLucro não operacional, total-5.17 M9.47 M21.21 M18.79 M24.32 M23.2 MDespesa com juros, líquida de juros capitalizados3.27 M10.84 M34.89 M40.43 M31.66 M35.01 MReceitas não operacionais, líquidas das despesas com juros-3.27 M-10.84 M-34.89 M-40.43 M-31.66 M-35.01 MReceitas/despesas incomuns-5.17 M9.47 M21.21 M18.79 M24.32 M23.2 MLucro antes dos impostos391.26 M311.38 M174.03 M238.79 M488.61 M522.46 MParticipação no lucro——————Impostos-1.71 M-409 K107 K185 K728 K783 KParticipação de minoritários00————Outras receitas/despesas após impostos-1.98 M-3.05 M3.87 M———Lucro líquido antes das operações descontinuadas135.44 M-108.67 M-240.13 M-128.58 M53.6 M49.4 MOperações descontinuadas——————Lucro líquido135.44 M-108.67 M-240.13 M-128.58 M53.6 M49.4 MAjuste de diluição00————Dividendos de ações preferenciais00————Lucro líquido diluído disponível aos acionistas135.44 M-108.67 M-240.13 M-128.58 M48.72 M43.44 MLucro básico por ação1.73-1.31-2.87-1.440.560.52Lucro diluído por ação1.43-1.31-2.87-1.440.450.41Número médio de ações básicas78.11 M82.77 M83.77 M89.45 M96.03 M—Ações diluídas94.77 M82.77 M83.77 M89.45 M107.49 M—EBITDA148.42 M-100.35 M-231.62 M-152.31 M67.47 M63.9 MEBIT140.88 M-113.86 M-256.52 M-172.86 M42.63 M39.61 MCusto da receita——————Outros componentes do custo——————Amortização e depreciação (fluxo de caixa)7.54 M13.51 M24.9 M20.55 M24.84 M24.29 M
Upstart Holdings, Inc. - Common stock
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.