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Upstart Holdings, Inc. UPST Net Interest Income

Net Interest Income at other companies

SoFi Technologies, Inc. logo
SoFi Technologies, Inc.SOFI
$692.99M+39.0%

Segments

By segment

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Personal Lending$31.15M+11.7%

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:InterestIncomeExpenseNet.

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 net interest income?
Upstart Holdings, Inc. (UPST) reported net interest income of $31.15M in Q1 2026.
How has Upstart Holdings, Inc.'s net interest income changed year-over-year?
Upstart Holdings, Inc.'s net interest income increased by 11.7% year-over-year, from $27.9M to $31.15M.
What is the long-term trend for Upstart Holdings, Inc.'s net interest income?
Over 4 years (2021 to 2025), Upstart Holdings, Inc.'s net interest income has grown at a 18.7% compound annual growth rate (CAGR), from $47.31M to $93.85M.
What does net interest income mean?
This is the difference between the interest income earned on financial assets and the interest expense incurred on liabilities. It serves as a fundamental measure of the profitability of the company's lending activities and its net interest margin management. A stable or growing net interest income indicates effective pricing of credit risk and efficient funding strategies.