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Upstart Holdings, Inc. UPST Loans held in consolidated securitization

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:LoansHeldInConsolidatedSecuritizationFairValueDisclosure.

The official record: Upstart Holdings, Inc.’s 10-Q, filed May 5, 2026, on SEC EDGAR. View the filing →

Questions, answered.

What is Upstart Holdings, Inc.'s loans held in consolidated securitization?
Upstart Holdings, Inc. (UPST) reported loans held in consolidated securitization of $44.9M in Q1 2026.
How has Upstart Holdings, Inc.'s loans held in consolidated securitization changed year-over-year?
Upstart Holdings, Inc.'s loans held in consolidated securitization decreased by 49.5% year-over-year, from $88.9M to $44.9M.
What is the long-term trend for Upstart Holdings, Inc.'s loans held in consolidated securitization?
Over 2 years (2023 to 2025), Upstart Holdings, Inc.'s loans held in consolidated securitization has grown at a -45.2% compound annual growth rate (CAGR), from $179.1M to $53.8M.