What is Upstart Holdings, Inc.'s income earned not collected?

Upstart Holdings, Inc. (UPST) reported income earned not collected of $46.07M in Q1 2026.

How has Upstart Holdings, Inc.'s income earned not collected changed year-over-year?

Upstart Holdings, Inc.'s income earned not collected increased by 7.1% year-over-year, from $43.01M to $46.07M.

What is the long-term trend for Upstart Holdings, Inc.'s income earned not collected?

Over 5 years (2020 to 2025), Upstart Holdings, Inc.'s income earned not collected has grown at a 32.0% compound annual growth rate (CAGR), from $11.66M to $46.65M.

Upstart Holdings, Inc. UPST Income earned not collected

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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$3.12B-43.6%

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:AccruedFeesAndOtherRevenueReceivable.

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 income earned not collected?: Upstart Holdings, Inc. (UPST) reported income earned not collected of $46.07M in Q1 2026.
How has Upstart Holdings, Inc.'s income earned not collected changed year-over-year?: Upstart Holdings, Inc.'s income earned not collected increased by 7.1% year-over-year, from $43.01M to $46.07M.
What is the long-term trend for Upstart Holdings, Inc.'s income earned not collected?: Over 5 years (2020 to 2025), Upstart Holdings, Inc.'s income earned not collected has grown at a 32.0% compound annual growth rate (CAGR), from $11.66M to $46.65M.