Upstart Holdings, Inc.UPST财报
Nasdaq · fintech
Upstart是一家AI信贷平台服务商，与银行及信用合作社合作，将教育背景、就业情况等非传统指标纳入信用评估模型，更精准地预测借款人的信用状况，为用户提供消费贷款服务，助力金融机构提升信贷效率、扩大服务覆盖范围。
UPST Q4 2025 Key Financial Metrics
营收
$296.1M
毛利润
N/A
营业利润
$18.9M
净利润
$18.6M
毛利率
N/A
营业利润率
6.4%
净利率
6.3%
同比增长
35.2%
EPS
$0.20
资金流向
Upstart Holdings, Inc. Q4 2025 财务摘要
Upstart Holdings, Inc. Q4 2025营收 $296.1M（同比增长 35.2%），净利润 $18.6M（同比增长 776.4%）（净利率 6.3%）。销售成本 N/A。
核心财务指标
| 总营收 | $296.1M |
|---|---|
| 净利润 | $18.6M |
| 毛利率 | N/A |
| 营业利润率 | 6.4% |
| 报告期 | Q4 2025 |
营收拆解
Upstart Holdings, Inc. Q4 2025营收 $296.1M 共来自 6 个业务板块，最大板块 Personal Lending Segment 贡献 $201.4M（占 68.0%）。
| 业务分部 | 营收 | 占比 |
|---|---|---|
| Personal Lending Segment | $201.4M | 68.0% |
| Servicing Fees Net | $39.5M | 13.3% |
| Servicing Fees | $27.5M | 9.3% |
| Other | $15.7M | 5.3% |
| Borrower Fees | $8.4M | 2.9% |
| Collection Agency Fees | $3.5M | 1.2% |
Upstart Holdings, Inc. 分部营收 — 季度趋势
Upstart Holdings, Inc. 过去 4 个季度各业务板块营收走势，展示 Personal Lending Segment and Servicing Fees Net 等业务的变化。
| 业务分部 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|
| Personal Lending Segment | $201.4M | — | — | — |
| Servicing Fees Net | $39.5M | $41.7M | $37.9M | $34.5M |
| Servicing Fees | $27.5M | — | — | $22.8M |
| Other | $15.7M | $7.5M | $6.1M | — |
| Borrower Fees | $8.4M | $7.6M | $6.7M | $6.7M |
Upstart Holdings, Inc. 年度营收
Upstart Holdings, Inc. 历年营收汇总，含各年度总量（例如 2025 年营收为 $1.0B）。点击带链接的年份，查看该年度相比前一年的财报变化。
Upstart Holdings, Inc. 季度营收与净利润历史
Upstart Holdings, Inc. 最近 8 个季度的营收、净利润及同比增速
| 季度 | 营收 | 营收同比 | 净利润 | 净利率 |
|---|---|---|---|---|
| Q4 2025 | $296.1M | +35.2% | $18.6M | 6.3% |
| Q3 2025 | $277.1M | +70.9% | $31.8M | 11.5% |
| Q2 2025 | $257.3M | +101.6% | $5.6M | 2.2% |
| Q1 2025 | $213.4M | +67.0% | $-2.4M | -1.1% |
| Q4 2024 | $219.0M | +56.1% | $-2.8M | -1.3% |
| Q3 2024 | $162.1M | +10.5% | $-6.8M | -4.2% |
| Q2 2024 | $127.6M | -11.2% | $-54.5M | -42.7% |
| Q1 2024 | $127.8M | +9.1% | $-64.6M | -50.5% |
利润表
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| 营收 | $127.8M | $127.6M | $162.1M | $219.0M | $213.4M | $257.3M | $277.1M | $296.1M |
| 同比增长 | 9.1% | -11.2% | 10.5% | 56.1% | 67.0% | 101.6% | 70.9% | 35.2% |
资产负债表
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| 总资产 | $1.93B | $1.82B | $1.81B | $2.37B | $2.30B | $2.48B | $2.90B | $2.97B |
| 总负债 | $1.31B | $1.23B | $1.21B | $1.73B | $1.62B | $1.76B | $2.16B | $2.18B |
| 股东权益 | $612.8M | $594.7M | $595.5M | $633.2M | $676.6M | $722.0M | $743.7M | $798.8M |
现金流量表
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| 经营性现金流 | $52.6M | $65.3M | $179.3M | $-110.9M | $-13.5M | $-120.2M | $-122.6M | $108.6M |