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Upstart Holdings, Inc. UPST Loan premium amortization

Loan premium amortization 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$3.12B-43.6%
Enterprise value$4.13B-29.1%
P/E63.3×—
P/S2.7×-4.9×

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:AmortizationOfLoanPremium.

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 loan premium amortization?
Upstart Holdings, Inc. (UPST) reported loan premium amortization of -$11.96M in Q1 2026.
How has Upstart Holdings, Inc.'s loan premium amortization changed year-over-year?
Upstart Holdings, Inc.'s loan premium amortization decreased by 43.2% year-over-year, from -$8.35M to -$11.96M.
What does loan premium amortization mean?
Represents the non-cash adjustment to income resulting from the systematic amortization of premiums paid to acquire loans. This process aligns the carrying value of loans with their expected yield over the holding period. It is essential for understanding the true interest income generated by the loan portfolio after accounting for acquisition costs.