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Upstart Holdings, Inc. UPST Purchased Credit Deteriorated Loans

Purchased Credit Deteriorated Loans at other companies

Affirm Holdings, Inc. logo
Affirm Holdings, Inc.AFRM
Atlanticus Holdings Corporation logo
Atlanticus Holdings CorporationATLC

Other financials

Income statement

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Revenue$308.2M+44.4%
Operating income-$7.5M-67.2%
Net income-$6.6M-172%
EPS (diluted)-$0.07-133%

Balance sheet

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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

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Operating cash flow-$133.3M-888%
CapEx$2.8M
Free cash flow-$136.0M-909%

Valuation

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Market cap$3.12B-43.6%

Profitability

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Operating margin3.5%+1.9pp
Net margin4.3%+2.6pp
FCF margin27%+16.9pp

Returns & leverage

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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 purchased credit deteriorated loans?
Upstart Holdings, Inc. (UPST) reported purchased credit deteriorated loans of $1.01B in Q1 2026.
How has Upstart Holdings, Inc.'s purchased credit deteriorated loans changed year-over-year?
Upstart Holdings, Inc.'s purchased credit deteriorated 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 purchased credit deteriorated loans?
Over 4 years (2021 to 2025), Upstart Holdings, Inc.'s purchased credit deteriorated loans has grown at a 40.5% compound annual growth rate (CAGR), from $252.48M to $984.55M.