What is Upstart Holdings, Inc.'s D&A?

Upstart Holdings, Inc. (UPST) reported D&A of $5.86M in Q1 2026.

How has Upstart Holdings, Inc.'s D&A changed year-over-year?

Upstart Holdings, Inc.'s D&A decreased by 8.5% year-over-year, from $6.4M to $5.86M.

What is the long-term trend for Upstart Holdings, Inc.'s D&A?

Over 4 years (2021 to 2025), Upstart Holdings, Inc.'s D&A has grown at a 34.7% compound annual growth rate (CAGR), from $7.54M to $24.84M.

Total non-cash depreciation of tangible assets and amortization of intangible assets — the largest add-back to net income in the operating cash flow reconciliation.

Upstart Holdings, Inc. UPST D&A

D&A at other companies

Enova InternationalENVA

$8.91M-11.5%

SoFi Technologies, Inc.SOFI

$67.58M+22.2%

Affirm Holdings, Inc.AFRM

$75.06M+26.2%

Dave, Inc.DAVE

$1.62M+5.7%

Ally FinancialALLY

$378M+4.7%

TransUnionTRU

$152.3M+9.6%

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$3.01B-43.6%

Enterprise value$4.02B-29.1%

P/E61×—

P/S2.6×-4.7×

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:DepreciationDepletionAndAmortization.

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 D&A?: Upstart Holdings, Inc. (UPST) reported D&A of $5.86M in Q1 2026.
How has Upstart Holdings, Inc.'s D&A changed year-over-year?: Upstart Holdings, Inc.'s D&A decreased by 8.5% year-over-year, from $6.4M to $5.86M.
What is the long-term trend for Upstart Holdings, Inc.'s D&A?: Over 4 years (2021 to 2025), Upstart Holdings, Inc.'s D&A has grown at a 34.7% compound annual growth rate (CAGR), from $7.54M to $24.84M.
What does D&A mean?: Total non-cash depreciation of tangible assets and amortization of intangible assets — the largest add-back to net income in the operating cash flow reconciliation.