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Upstart Holdings, Inc. UPST Net Interest Income

Net Interest Income at other companies

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SoFi Technologies, Inc.SOFI
$788.2M+52.2%
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Equity BancsharesEQBK
$73.87M+48.3%

Segments

By segment

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Personal Lending$31.15M+11.7%

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$2.89B-55.2%
Enterprise value$4.46B-38.3%
P/E47.9×
P/S2.3×-5.3×

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:InterestIncomeExpenseNet.

The source filing: Upstart Holdings, Inc.’s 8-K, filed August 4, 2026. Open the filing →

Filed
Aug 4, 2026, 4:05 PM EDT
Accession
0001647639-26-000062

FAQ

What is Upstart Holdings, Inc.'s net interest income?
Upstart Holdings, Inc. (UPST) reported net interest income of $16.69M in Q2 2026.
How has Upstart Holdings, Inc.'s net interest income changed year-over-year?
Upstart Holdings, Inc.'s net interest income increased by 1.1% year-over-year, from $16.51M to $16.69M.
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.

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