What is Upstart Holdings, Inc.'s loans?

Upstart Holdings, Inc. (UPST) reported loans of $8.03M in Q1 2026.

How has Upstart Holdings, Inc.'s loans changed year-over-year?

Upstart Holdings, Inc.'s loans decreased by 21.9% year-over-year, from $10.28M to $8.03M.

What does loans mean?

Captures the cash proceeds received from the securitization of loans that were initially held for sale. This highlights the company's ability to leverage capital markets to offload credit risk and generate liquidity from its loan originations.

Upstart Holdings, Inc. UPST Loans

Loans at other companies

PopularBPOP

$14.71M-62.3%

Skyline ChampionSKY

$0-100%

Simmons First NationalSFNC

$31.5M+267%

Cullen/Frost BankersCFR

$0-100%

Hancock Whitney CorporationHWC

$63.78M+111%

First Commonwealth FinancialFCF

$226.99M+1,210%

Other financials

Income statement

See full

Revenue$308.2M+44.4%

Operating income-$7.5M-67.2%

Net income-$6.6M-172%

EPS (diluted)-$0.07-133%

Balance sheet

See full

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

See full

Operating cash flow-$133.3M-888%

CapEx$2.8M—

Free cash flow-$136.0M-909%

Valuation

See full

Market cap$3.01B-43.6%

Enterprise value$4.02B-29.1%

P/E61×—

P/S2.6×-4.7×

Profitability

See full

Operating margin3.5%+1.9pp

Net margin4.3%+2.6pp

FCF margin27%+16.9pp

Returns & leverage

See full

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:ProceedsFromSecuritizationsOfLoansHeldForSale.

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

Ask your AI about Upstart Holdings, Inc.'s loans.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI

Claude

Questions, answered.

What is Upstart Holdings, Inc.'s loans?: Upstart Holdings, Inc. (UPST) reported loans of $8.03M in Q1 2026.
How has Upstart Holdings, Inc.'s loans changed year-over-year?: Upstart Holdings, Inc.'s loans decreased by 21.9% year-over-year, from $10.28M to $8.03M.
What does loans mean?: Captures the cash proceeds received from the securitization of loans that were initially held for sale. This highlights the company's ability to leverage capital markets to offload credit risk and generate liquidity from its loan originations.