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Upstart Holdings, Inc. UPST Line of credit receivable

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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 upst:LineOfCreditReceivableFairValueDisclosure.

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 line of credit receivable?
Upstart Holdings, Inc. (UPST) reported line of credit receivable of $111.92M in Q1 2026.
How has Upstart Holdings, Inc.'s line of credit receivable changed year-over-year?
Upstart Holdings, Inc.'s line of credit receivable increased by 36.9% year-over-year, from $81.78M to $111.92M.
What does line of credit receivable mean?
This metric captures the fair value of outstanding balances owed to the company under revolving credit facilities or lines of credit that are expected to be collected beyond one year. It represents a core component of the company's lending portfolio and reflects the long-term credit exposure and asset quality of its consumer lending products.