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Upstart Holdings, Inc. UPST Mortgage servicing rights

Mortgage servicing rights at other companies

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Other financials

Income statement

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Revenue$364.7M+41.7%
Operating income$14.6M+222%
Net income$16.5M+195%
EPS (diluted)$0.16+220%

Balance sheet

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Cash & equivalents$456.0M-35.0%
Total debt$2.0B+37.6%
Total equity$797.5M+10.5%
Total assets$3.2B+28.0%

Cash flow

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Operating cash flow-$136.6M-13.7%
CapEx$2.1M+1,690%
Free cash flow-$138.7M-15.3%

Valuation

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Market cap$2.94B-51.9%
Enterprise value$4.51B-34.4%
P/E48.7×—
P/S2.4×-4.8×

Profitability

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Operating margin4%+2.5pp
Net margin4.8%+4.3pp
FCF margin27%+16.9pp

Returns & leverage

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Return on equity7.9%+7.2pp
Debt / equity2.5×+0.5×

Where this comes from

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

Tagged under the XBRL concept us-gaap:ServicingAssetAtFairValueAmount.

The source filing: Upstart Holdings, Inc.’s 10-Q, filed May 5, 2026.

Filed
May 5, 2026, 4:08 PM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0001647639-26-000046
Line itemDecember 31, 2025March 31, 2026
Receivables46,64746,068
Loan servicing assets (at fair value)(1)40,94145,437
Prepaid expenses39,65840,588
Other assets17,37912,844
Intangible assets, net(2)8,2898,004
Deposits5,0571,620
Total other assets$157,971$154,561

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is Upstart Holdings, Inc.'s mortgage servicing rights?
Upstart Holdings, Inc. (UPST) reported mortgage servicing rights of $45.44M in Q1 2026.
How has Upstart Holdings, Inc.'s mortgage servicing rights changed year-over-year?
Upstart Holdings, Inc.'s mortgage servicing rights increased by 57.3% year-over-year, from $28.89M to $45.44M.
What is the long-term trend for Upstart Holdings, Inc.'s mortgage servicing rights?
Over 5 years (2020 to 2025), Upstart Holdings, Inc.'s mortgage servicing rights has grown at a 43.1% compound annual growth rate (CAGR), from $6.83M to $40.94M.

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