Investor Presentaiton

Financial Statements (in thousands, except share and per share data) Cash flows from investing activities Purchase of loans held-for-investment Principal payments received for loans held-for-investment Principal payments received for notes receivable and repayments of residual certificates Purchase of non-marketable equity securities Purchase of property and equipment Capitalized software costs Net cash provided by (used in) investing activities Cash flows from financing activities Proceeds from borrowings Repayments of borrowings Proceeds from issuance of common stock under employee stock purchase plan Proceeds from exercise of stock options Taxes paid related to net share settlement of equity awards Net cash provided by financing activities Change in cash and restricted cash Cash and restricted cash Cash and restricted cash at beginning of period Cash and restricted cash at end of period Upstart 2022 9,397 2,067 Year Ended March 31, 2023 (46,382) 24,422 1,566 (1,000) (1,629) (1,111) (3,658) (4,347) 5,177 (25,852) 80,004 (6,990) 4,431 5,626 83,071 (178,547) 60,673 (46,962) 5,728 1,537 (5) 20,971 (80,608) 1,191,241 $ 1.012.694 532,467 $ 451.859 26 26

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