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Upstart Holdings, Inc. UPST Operating Lease Liabilities (Current)

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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$3.03B-50.5%
Enterprise value$4.59B-33.2%
P/E50.2×—
P/S2.4×-4.7×

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:OperatingLeaseLiability.

The source filing: Upstart Holdings, Inc.’s 10-Q, filed May 5, 2026.

Filed
May 5, 2026, 4:08 PM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0001647639-26-000046
Line itemDecember 31, 2025March 31, 2026
Borrowings1,829,1451,921,665
Payable to securitization note holders (at fair value)46,54239,188
Accrued expenses and other liabilities (includes $15,219 and $15,861 at fair value as of December 31, 2025 and March 31, 2026, respectively)171,495124,591
Operating lease liabilities21,14917,548
Total liabilities(2)2,175,9902,228,515
Commitments and Contingencies (Note 11)
Stockholders’ equity:
Common stock, $0.0001 par value; 700,000,000 shares authorized; 98,033,361 and 95,708,872 shares issued and outstanding as of December 31, 2025 and March 31, 2026, respectively1010

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is Upstart Holdings, Inc.'s operating lease liabilities (current)?
Upstart Holdings, Inc. (UPST) reported operating lease liabilities (current) of $17.55M in Q1 2026.
How has Upstart Holdings, Inc.'s operating lease liabilities (current) changed year-over-year?
Upstart Holdings, Inc.'s operating lease liabilities (current) decreased by 62.7% year-over-year, from $47.07M to $17.55M.
What is the long-term trend for Upstart Holdings, Inc.'s operating lease liabilities (current)?
Over 5 years (2020 to 2025), Upstart Holdings, Inc.'s operating lease liabilities (current) has grown at a 1.7% compound annual growth rate (CAGR), from $19.43M to $21.15M.
What does operating lease liabilities (current) mean?
The current portion of operating lease obligations due within one year, representing committed future lease payments under ASC 842.

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