Upstart Holdings, Inc. [Rocket]

In millions, except per share items	Dec-31-21	Dec-31-20	Dec-31-19	Dec-31-18	Dec-31-17
	10-K	10-K	10-K	10-K	S-1/A
Total interest income	20.6	26.4	63.3
Net interest income	20.6	26.4	63.3
Pre-tax income	132.0	6.3	-4.9	-11.2	-7.7
Income taxes	-1.7	0.4	0.1	0.0	0.0
Tax rate		5.9%		0.0%
Minority interest		-0.4	-4.6	1.1	1.1
Net income	133.7	6.4	-0.4	-12.3	-7.7
Net margin	15.8%	2.7%	-0.2%	-12.4%	-13.5%

Basic EPS	$1.71	$0.36	($0.03)	($0.87)	($0.56)
Diluted EPS	$1.41	$0.36	($0.03)	($0.87)	($0.56)

Shares outstanding (basic)	78.1	17.5	14.3	14.2	13.8
Shares outstanding (diluted)	94.8	17.5	14.3	14.2	13.8

EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.