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Upstart Holdings, Inc. UPST Payments to Purchase Loans Held-for-sale

Payments to Purchase Loans Held-for-sale at other companies

Atlantic Union Bankshares logo
Atlantic Union BanksharesAUB
$90.35M+104%
CTB
Community Trust BancorpCTBI
$1.85M+14.5%
Popular logo
PopularBPOP
$3.58M+342%
Tompkins Financial logo
Tompkins FinancialTMP
$10.86M
PennyMac Financial Services, Inc. logo
PennyMac Financial Services, Inc.PFSI
$15.05B+2,003%
BancFirst Corporation logo
BancFirst CorporationBANF
$43.2M+17.5%

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 us-gaap:PaymentsToPurchaseLoansHeldForSale.

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 payments to purchase loans held-for-sale?
Upstart Holdings, Inc. (UPST) reported payments to purchase loans held-for-sale of $2.46B in Q1 2026.
How has Upstart Holdings, Inc.'s payments to purchase loans held-for-sale changed year-over-year?
Upstart Holdings, Inc.'s payments to purchase loans held-for-sale increased by 82.8% year-over-year, from $1.35B to $2.46B.
What is the long-term trend for Upstart Holdings, Inc.'s payments to purchase loans held-for-sale?
Over 4 years (2021 to 2025), Upstart Holdings, Inc.'s payments to purchase loans held-for-sale has grown at a 0.4% compound annual growth rate (CAGR), from $8.93B to $9.07B.
What does payments to purchase loans held-for-sale mean?
Represents the cash outflows used to acquire loans that the company intends to sell in the near term. This metric is a direct measure of the company's investment in its loan pipeline and its activity level in the secondary credit market. It provides insight into the scale of the company's loan origination and distribution operations.