UPST Dividend: Upstart Holdings Inc Yield Insights

Breakdown	TTM	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020
Revenue	966	636	513	842	848	233
Revenue Growth (YoY)	73%	24%	-39%	-1%	264%	42%
Cost of Revenue	177	157	150	187	117	37
Gross Profit	789	478	363	654	731	195
Selling, General & Admin	512	397	339	531	454	145
Research & Development	257	253	280	237	133	38
Operating Expenses	770	651	619	768	588	184
Other Non Operating Income (Expenses)	6	18	20	9	-5	5
Pretax Income	32	-128	-240	-109	133	5
Income Tax Expense	0	0	0	0	-1	0
Net Income	32	-128	-240	-108	135	5
Net Income Growth	-119%	-47%	122%	-180%	2,600%	--
Shares Outstanding (Diluted)	109.72	89.45	83.76	82.77	94.77	73.62
Shares Change (YoY)	30%	7%	1%	-13%	28.99%	2%
EPS (Diluted)	0.28	-1.44	-2.87	-1.31	1.43	0.08
EPS Growth	-113.99%	-50%	119%	-192%	1,688%	-900%
Free Cash Flow	-385	176	-123	-680	153	10
Free Cash Flow Per Share	-3.5	1.96	-1.46	-8.21	1.61	0.13
Gross Margin	81.67%	75.15%	70.76%	77.67%	86.2%	83.69%
Operating Margin	1.86%	-27.04%	-49.9%	-13.42%	16.74%	4.72%
Profit Margin	3.31%	-20.12%	-46.78%	-12.82%	15.91%	2.14%
Free Cash Flow Margin	-39.85%	27.67%	-23.97%	-80.76%	18.04%	4.29%
EBITDA	41	-152	-232	-100	149	13
EBITDA Margin	4.24%	-23.89%	-45.22%	-11.87%	17.57%	5.57%
D&A For EBITDA	23	20	24	13	7	2
EBIT	18	-172	-256	-113	142	11
EBIT Margin	1.86%	-27.04%	-49.9%	-13.42%	16.74%	4.72%
Effective Tax Rate	0%	0%	0%	0%	-0.75%	0%

Follow-Up Questions











