{
  "cik": 1647639,
  "cik_padded": "0001647639",
  "entityName": "Upstart Holdings, Inc.",
  "fiscal_years": [
    {
      "accn": "0001647639-26-000027",
      "filed": "2026-02-10",
      "fiscal_year": 2025,
      "form": "10-K",
      "fundamental_units": {
        "capex": "USD",
        "cash": "USD",
        "eps_diluted": "USD/shares",
        "free_cash_flow": "USD",
        "net_income": "USD",
        "operating_cash_flow": "USD",
        "operating_income": "USD",
        "revenue": "USD",
        "stockholders_equity": "USD",
        "total_assets": "USD",
        "total_liabilities": "USD"
      },
      "fundamentals": {
        "capex": 347000.0,
        "cash": 652388000.0,
        "eps_diluted": 0.45,
        "free_cash_flow": -148072000.0,
        "net_income": 53601000.0,
        "operating_cash_flow": -147725000.0,
        "operating_income": 42631000.0,
        "revenue": 1043857000.0,
        "stockholders_equity": 798815000.0,
        "total_assets": 2974805000.0,
        "total_liabilities": 2175990000.0
      },
      "period_end": "2025-12-31",
      "ratio_units": {
        "leverage": "ratio",
        "net_margin": "ratio",
        "operating_margin": "ratio",
        "revenue_growth_yoy": "ratio",
        "roa_avg2y": "ratio",
        "roa_period_end": "ratio",
        "roe_avg2y": "ratio",
        "roe_period_end": "ratio"
      },
      "ratios": {
        "leverage": 2.724022458266307,
        "net_margin": 0.05134898745709422,
        "operating_margin": 0.04083988515668333,
        "revenue_growth_yoy": 0.6399231455646884,
        "roa_avg2y": 0.020068655236108377,
        "roa_period_end": 0.018018323890137338,
        "roe_avg2y": 0.07486000671772229,
        "roe_period_end": 0.06710064282718778
      }
    },
    {
      "accn": "0001647639-26-000027",
      "filed": "2026-02-10",
      "fiscal_year": 2024,
      "form": "10-K",
      "fundamental_units": {
        "buybacks": "USD",
        "capex": "USD",
        "cash": "USD",
        "eps_diluted": "USD/shares",
        "free_cash_flow": "USD",
        "net_income": "USD",
        "operating_cash_flow": "USD",
        "operating_income": "USD",
        "revenue": "USD",
        "stockholders_equity": "USD",
        "total_assets": "USD",
        "total_liabilities": "USD"
      },
      "fundamentals": {
        "buybacks": 0.0,
        "capex": 837000.0,
        "cash": 788422000.0,
        "eps_diluted": -1.44,
        "free_cash_flow": 185494000.0,
        "net_income": -128581000.0,
        "operating_cash_flow": 186331000.0,
        "operating_income": -172856000.0,
        "revenue": 636528000.0,
        "stockholders_equity": 633218000.0,
        "total_assets": 2366958000.0,
        "total_liabilities": 1733740000.0
      },
      "period_end": "2024-12-31",
      "ratio_units": {
        "leverage": "ratio",
        "net_margin": "ratio",
        "operating_margin": "ratio",
        "revenue_growth_yoy": "ratio",
        "roa_avg2y": "ratio",
        "roa_period_end": "ratio",
        "roe_avg2y": "ratio",
        "roe_period_end": "ratio"
      },
      "ratios": {
        "leverage": 2.737982811606745,
        "net_margin": -0.2020036824774401,
        "operating_margin": -0.2715607168891235,
        "revenue_growth_yoy": 0.23943749732262123,
        "roa_avg2y": -0.05865843928159709,
        "roa_period_end": -0.05432331287669659,
        "roe_avg2y": -0.20272553197695273,
        "roe_period_end": -0.20305960980262722
      }
    },
    {
      "accn": "0001647639-26-000027",
      "filed": "2026-02-10",
      "fiscal_year": 2023,
      "form": "10-K",
      "fundamental_units": {
        "buybacks": "USD",
        "capex": "USD",
        "cash": "USD",
        "eps_diluted": "USD/shares",
        "free_cash_flow": "USD",
        "net_income": "USD",
        "operating_cash_flow": "USD",
        "operating_income": "USD",
        "revenue": "USD",
        "stockholders_equity": "USD",
        "total_assets": "USD",
        "total_liabilities": "USD"
      },
      "fundamentals": {
        "buybacks": 0.0,
        "capex": 1527000.0,
        "cash": 368405000.0,
        "eps_diluted": -2.87,
        "free_cash_flow": -113239000.0,
        "net_income": -240132000.0,
        "operating_cash_flow": -111712000.0,
        "operating_income": -256525000.0,
        "revenue": 513562000.0,
        "stockholders_equity": 635305000.0,
        "total_assets": 2017100000.0,
        "total_liabilities": 1381795000.0
      },
      "period_end": "2023-12-31",
      "ratio_units": {
        "leverage": "ratio",
        "net_margin": "ratio",
        "operating_margin": "ratio",
        "revenue_growth_yoy": "ratio",
        "roa_avg2y": "ratio",
        "roa_period_end": "ratio",
        "roe_avg2y": "ratio",
        "roe_period_end": "ratio"
      },
      "ratios": {
        "leverage": 2.175010428062112,
        "net_margin": -0.46758132416339215,
        "operating_margin": -0.4995015207511459,
        "revenue_growth_yoy": -0.39039034048553967,
        "roa_avg2y": -0.1214888162717668,
        "roa_period_end": -0.11904813841653858,
        "roe_avg2y": -0.36724731215685075,
        "roe_period_end": -0.37797908091389176
      }
    },
    {
      "accn": "0001647639-26-000027",
      "filed": "2026-02-10",
      "fiscal_year": 2022,
      "form": "10-K",
      "fundamental_units": {
        "buybacks": "USD",
        "capex": "USD",
        "eps_diluted": "USD/shares",
        "free_cash_flow": "USD",
        "net_income": "USD",
        "operating_cash_flow": "USD",
        "operating_income": "USD",
        "revenue": "USD",
        "stockholders_equity": "USD",
        "total_assets": "USD",
        "total_liabilities": "USD"
      },
      "fundamentals": {
        "buybacks": 177883000.0,
        "capex": 8825000.0,
        "eps_diluted": -1.31,
        "free_cash_flow": -666685000.0,
        "net_income": -108665000.0,
        "operating_cash_flow": -657860000.0,
        "operating_income": -113863000.0,
        "revenue": 842444000.0,
        "stockholders_equity": 672435000.0,
        "total_assets": 1936054000.0,
        "total_liabilities": 1263619000.0
      },
      "period_end": "2022-12-31",
      "ratio_units": {
        "leverage": "ratio",
        "net_margin": "ratio",
        "operating_margin": "ratio",
        "revenue_growth_yoy": "ratio",
        "roa_avg2y": "ratio",
        "roa_period_end": "ratio",
        "roe_avg2y": "ratio",
        "roe_period_end": "ratio"
      },
      "ratios": {
        "leverage": 1.8791689903113311,
        "net_margin": -0.1289878021565825,
        "operating_margin": -0.13515794521653665,
        "revenue_growth_yoy": -0.007241432542726809,
        "roa_avg2y": -0.05785424712146304,
        "roa_period_end": -0.05612705017525338,
        "roe_avg2y": -0.14689293030882458,
        "roe_period_end": -0.16159926238223768
      }
    },
    {
      "accn": "0001647639-25-000018",
      "filed": "2025-02-14",
      "fiscal_year": 2021,
      "form": "10-K",
      "fundamental_units": {
        "buybacks": "USD",
        "capex": "USD",
        "eps_diluted": "USD/shares",
        "free_cash_flow": "USD",
        "net_income": "USD",
        "operating_cash_flow": "USD",
        "operating_income": "USD",
        "revenue": "USD",
        "stockholders_equity": "USD",
        "total_assets": "USD",
        "total_liabilities": "USD"
      },
      "fundamentals": {
        "buybacks": 0.0,
        "capex": 8427000.0,
        "eps_diluted": 1.43,
        "free_cash_flow": 159926000.0,
        "net_income": 135443000.0,
        "operating_cash_flow": 168353000.0,
        "operating_income": 140881000.0,
        "revenue": 848589000.0,
        "stockholders_equity": 807078000.0,
        "total_assets": 1820455000.0,
        "total_liabilities": 1013377000.0
      },
      "period_end": "2021-12-31",
      "ratio_units": {
        "leverage": "ratio",
        "net_margin": "ratio",
        "operating_margin": "ratio",
        "revenue_growth_yoy": "ratio",
        "roa_avg2y": "ratio",
        "roa_period_end": "ratio",
        "roe_avg2y": "ratio",
        "roe_period_end": "ratio"
      },
      "ratios": {
        "leverage": 1.2556122208758014,
        "net_margin": 0.159609657914491,
        "operating_margin": 0.1660179427261018,
        "revenue_growth_yoy": 2.635521986496213,
        "roa_avg2y": 0.11789390306000322,
        "roa_period_end": 0.07440063061157788,
        "roe_avg2y": 0.2446298754662115,
        "roe_period_end": 0.1678189716483413
      }
    },
    {
      "accn": "0001647639-24-000009",
      "filed": "2024-02-15",
      "fiscal_year": 2020,
      "form": "10-K",
      "fundamental_units": {
        "capex": "USD",
        "eps_diluted": "USD/shares",
        "free_cash_flow": "USD",
        "net_income": "USD",
        "operating_cash_flow": "USD",
        "operating_income": "USD",
        "revenue": "USD",
        "stockholders_equity": "USD",
        "total_assets": "USD",
        "total_liabilities": "USD"
      },
      "fundamentals": {
        "capex": 1355000.0,
        "eps_diluted": 0.0,
        "free_cash_flow": 14342000.0,
        "net_income": 5983000.0,
        "operating_cash_flow": 15697000.0,
        "operating_income": 11765000.0,
        "revenue": 233416000.0,
        "stockholders_equity": 300252000.0,
        "total_assets": 477255000.0,
        "total_liabilities": 177003000.0
      },
      "period_end": "2020-12-31",
      "ratio_units": {
        "leverage": "ratio",
        "net_margin": "ratio",
        "operating_margin": "ratio",
        "revenue_growth_yoy": "ratio",
        "roa_period_end": "ratio",
        "roe_avg2y": "ratio",
        "roe_period_end": "ratio"
      },
      "ratios": {
        "leverage": 0.5895148075616482,
        "net_margin": 0.025632347396922234,
        "operating_margin": 0.050403571306165816,
        "revenue_growth_yoy": 0.4216299508493261,
        "roa_period_end": 0.012536275156886777,
        "roe_avg2y": 0.050158448047484115,
        "roe_period_end": 0.01992659499353876
      }
    },
    {
      "accn": "0001647639-23-000021",
      "filed": "2023-02-16",
      "fiscal_year": 2019,
      "form": "10-K",
      "fundamental_units": {
        "capex": "USD",
        "eps_diluted": "USD/shares",
        "free_cash_flow": "USD",
        "net_income": "USD",
        "operating_cash_flow": "USD",
        "operating_income": "USD",
        "revenue": "USD",
        "stockholders_equity": "USD"
      },
      "fundamentals": {
        "capex": 4004000.0,
        "eps_diluted": -0.03,
        "free_cash_flow": 27578000.0,
        "net_income": -466000.0,
        "operating_cash_flow": 31582000.0,
        "operating_income": -4575000.0,
        "revenue": 164189000.0,
        "stockholders_equity": -61688000.0
      },
      "period_end": "2019-12-31",
      "ratio_units": {
        "net_margin": "ratio",
        "operating_margin": "ratio"
      },
      "ratios": {
        "net_margin": -0.0028381925707568717,
        "operating_margin": -0.027864229637795467
      }
    }
  ],
  "latest_filing": {
    "accn": "0001647639-26-000027",
    "filed": "2026-02-10",
    "form": "10-K"
  },
  "note": "Static grepcent export of verified SEC companyfacts-derived values. Monetary values are raw reported units from grepcent's resolved facts; no scaling and no FX conversion. Capex, dividends, and buybacks are reported as positive outflow magnitudes. ROE/ROA include both period-end basis (site-consistent) and average-of-two-years basis where the prior-year denominator exists.",
  "schema_version": "1",
  "sic": "6199",
  "sic_description": "Finance Services",
  "source_urls": {
    "sec_companyfacts": "https://data.sec.gov/api/xbrl/companyfacts/CIK0001647639.json",
    "sec_submissions": "https://data.sec.gov/submissions/CIK0001647639.json"
  },
  "ticker": "UPST"
}
