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Upstart Holdings, Inc. UPST Gross loans

Gross loans at other companies

Enova InternationalENVA

$5.87B+28.5%

SoFi Technologies, Inc.SOFI

$1.38B+6.5%

Affirm Holdings, Inc.AFRM

$8.06B+22.8%

Ally FinancialALLY

$139.89B+4.8%

Atlanticus Holdings CorporationATLC

$80.72M-0.6%

Other financials

Income statement

Revenue$308.2M+44.4%

Operating income-$7.5M-67.2%

Net income-$6.6M-172%

EPS (diluted)-$0.07-133%

Balance sheet

Cash & equivalents$931.3M+10.9%

Total debt$1.9B+40.3%

Total equity$733.2M+8.4%

Total assets$3.0B+29.0%

Cash flow

Operating cash flow-$133.3M-888%

CapEx$2.8M—

Free cash flow-$136.0M-909%

Valuation

Market cap$3.12B-43.6%

Profitability

Operating margin3.5%+1.9pp

Net margin4.3%+2.6pp

FCF margin27%+16.9pp

Returns & leverage

Return on equity7%+4.4pp

Debt / equity2.6×+0.6×

Where this comes from

Reported directly by Upstart Holdings, Inc. in its filing.

Tagged under the XBRL concept us-gaap:NotesReceivableNet.

The official record: Upstart Holdings, Inc.’s 10-Q, filed May 5, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Upstart Holdings, Inc.'s gross loans?: Upstart Holdings, Inc. (UPST) reported gross loans of $1.01B in Q1 2026.
How has Upstart Holdings, Inc.'s gross loans changed year-over-year?: Upstart Holdings, Inc.'s gross loans increased by 24.5% year-over-year, from $814.68M to $1.01B.
What is the long-term trend for Upstart Holdings, Inc.'s gross loans?: Over 5 years (2020 to 2025), Upstart Holdings, Inc.'s gross loans has grown at a 65.9% compound annual growth rate (CAGR), from $78.46M to $984.55M.
What does gross loans mean?: Total loans outstanding before deducting the allowance for credit losses — the gross lending portfolio across all categories.