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Q1 2026 earnings • released • EPS miss -28.96% • Revenue beat +2.45%
See results
UPST:NASDAQ
Upstart Holdings Inc
$29.70
+3.48%
(+1.00) 1D
May 7, 12:37:29 PM GMT-4  ·   USD
All symbols
SymbolPriceChange% Change
Generating top insights for UPST...
Open
$29.00
High
$30.00
Low
$28.88
Mkt. cap
2.87B
Avg. vol.
4.50M
Volume
3.34M
P/E ratio
59.62
52-wk high
$87.30
52-wk low
$23.96
EPS
$0.50
Beta
2.26
Shares outstanding
95.71M
No. of employees
1K
News stories
From sources across the web
Profile
Upstart is an AI lending platform that partners with banks and credit unions to provide consumer loans using non-traditional variables, such as education and employment, to predict creditworthiness. The founding team includes Dave Girouard, former President of Enterprise Google; Paul Gu, a Thiel Fellow; and Anna Counselman, former Manager of Global Enterprise Customer Programs and Gmail Consumer Operations at Google. Upstart first launched in April 2012 with an Income Share Agreement product, which enabled individuals to raise money by contracting to share a percent of their future income. In May 2014, Upstart pivoted away from this product and toward the personal loan marketplace. With this pivot, Upstart began offering a traditional 3-year loan, and has since expanded to offer a 5-year loan product as well. Upstart developed an income and default prediction model to determine creditworthiness of a potential borrower. Wikipedia
About Upstart Holdings Inc
CEODave Girouard
Employees1.4K
FoundedApr 2012
HeadquartersSan Mateo, California, United States
SectorPayment service provider
Websiteupstart.com
Last report
May 5, 2026
Fiscal Period
Q1 2026
Normalized EPS / Estimate
0.30/ (0.43 est.)USD
-28.96%miss
Revenue / Estimate
308.21M/ (300.85M est.)USD
+2.45%beat
Fiscal Q1 2026 earnings call
Waiting for the earnings call
At a glance
Insights from the latest news and reports
Previous reportsAll values in USD
Loading Previous Earnings...
Income statement
Revenue
Net income
All values in USD
Mar 2025
Jun 2025
Sep 2025
Dec 2025
Revenue
220.39M
265.06M
285.90M
304.17M
Cost of goods sold
40.50M
46.25M
49.79M
51.84M
Cost of revenue
40.50M
46.25M
49.79M
51.84M
Research and development expenses
57.84M
68.82M
64.03M
66.91M
Total research and development expenses
-
-
-
-
Selling, general, and admin expenses
119.53M
137.68M
139.62M
158.42M
Operating expense
177.37M
206.50M
203.65M
225.33M
Total operating expenses
217.87M
252.75M
253.44M
277.17M
Operating income
2.52M
12.31M
32.46M
27.00M
Other non operating income
2.08M
1.11M
1.02M
-24.08M
EBT including unusual items
-2.42M
5.66M
31.93M
19.16M
EBT excluding unusual items
-2.42M
5.66M
24.68M
19.16M
Income tax expense
29.00K
49.00K
124.00K
526.00K
Effective tax rate
-1.20%
0.87%
0.39%
2.75%
Other operating expenses
-
-
-
-
Net income
-2.45M
5.61M
31.80M
18.64M
Net profit margin
-1.11%
2.12%
11.12%
6.13%
Earnings per share
0.30
0.36
0.52
0.50
Interest and investment income
-
-
-
24.32M
Interest expense
-7.02M
-7.77M
-8.79M
-8.08M
Net interest expenses
-7.02M
-7.77M
-8.79M
16.25M
Depreciation and amortization charges
-
-
-
-
EBITDA
8.92M
18.16M
38.59M
33.46M
Gain or loss from assets sale
-4.94M
-7.51M
-7.92M
-7.63M
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