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Investor Presentaiton

Reconciliation of non-GAAP financial measures (in thousands, except ratios, and per share data) Net income (loss) Adjusted to exclude the following: Stock-based compensation and certain payroll tax expenses (1) Reorganization expenses Adjusted Net Income (loss) Net income (loss) per share: Basic Diluted Adjusted Net Income (Loss) per Share: Basic Diluted Weighted-average common shares outstanding: Basic Diluted (1) 2022 Three Months Ended March 31, $ 32,692 25,929 $ 58,621 $ 0.39 $ 0.34 2023 $ (129,254) 75,026 15,536 $ (38,692) $ (1.58) $ (1.58) $ 0.70 $ (0.47) $ 0.61 $ (0.47) 84,230,445 95,457,776 81,911,433 81,911,433 Payroll tax expenses include the employer payroll tax-related expense on employee stock transactions, as the amount is dependent on our stock price and other factors that are beyond our control and do not correlate to the operation of our business. Upstart 29
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