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Upstart Holdings, Inc. UPST Collection agency fees — Revenue from fees, net

Other product segments

Servicing and other fees, net
$54.81M+44.5%
Servicing fees
$32.33M+41.7%
Borrower fees
$10.09M+51.5%
Other fees
$3.87M+3,894%

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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$2.89B-55.2%
Enterprise value$4.46B-38.3%
P/E47.9×
P/S2.3×-5.3×

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 upst:RevenueFromFeesNet.

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 itemThree Months Ended March 31, 20252026
Servicing fees$22,812$32,333
Borrower fees6,66010,093
Collection agency fees3,7923,912
Other fees973,874
Net gain on servicing rights and fair value adjustments1,1392,233
Total servicing and other fees, net$34,500$52,445

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is Upstart Holdings, Inc.'s collection agency fees — revenue from fees, net?
Upstart Holdings, Inc. (UPST) reported collection agency fees — revenue from fees, net of $3.91M in Q1 2026.
How has Upstart Holdings, Inc.'s collection agency fees — revenue from fees, net changed year-over-year?
Upstart Holdings, Inc.'s collection agency fees — revenue from fees, net increased by 3.2% year-over-year, from $3.79M to $3.91M.
What is the long-term trend for Upstart Holdings, Inc.'s collection agency fees — revenue from fees, net?
Over 4 years (2021 to 2025), Upstart Holdings, Inc.'s collection agency fees — revenue from fees, net has grown at a 34.0% compound annual growth rate (CAGR), from $4.47M to $14.43M.
What does collection agency fees — revenue from fees, net mean?
This metric represents the net revenue generated from services related to the recovery of delinquent or defaulted loan accounts. It reflects the income earned by the company for facilitating or managing the collection process on behalf of its lending partners. This figure is a key indicator of the company's secondary revenue streams derived from credit lifecycle management and portfolio performance monitoring.

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