What is Upstart Holdings, Inc.'s net investment in lease?

Upstart Holdings, Inc. (UPST) reported net investment in lease of $13.61M in Q1 2026.

How has Upstart Holdings, Inc.'s net investment in lease changed year-over-year?

Upstart Holdings, Inc.'s net investment in lease decreased by 66.5% year-over-year, from $40.56M to $13.61M.

What is the long-term trend for Upstart Holdings, Inc.'s net investment in lease?

Over 5 years (2020 to 2025), Upstart Holdings, Inc.'s net investment in lease has grown at a -2.2% compound annual growth rate (CAGR), from $18.31M to $16.41M.

Upstart Holdings, Inc. UPST Net Investment in Lease

Net Investment in Lease at other companies

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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:OperatingLeaseRightOfUseAsset.

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 investment in lease?: Upstart Holdings, Inc. (UPST) reported net investment in lease of $13.61M in Q1 2026.
How has Upstart Holdings, Inc.'s net investment in lease changed year-over-year?: Upstart Holdings, Inc.'s net investment in lease decreased by 66.5% year-over-year, from $40.56M to $13.61M.
What is the long-term trend for Upstart Holdings, Inc.'s net investment in lease?: Over 5 years (2020 to 2025), Upstart Holdings, Inc.'s net investment in lease has grown at a -2.2% compound annual growth rate (CAGR), from $18.31M to $16.41M.