Skip to content

Upstart Holdings, Inc. UPST Business Segments — Borrower Acquisition Costs

Similar metrics at other companies

Redwood Trust logo
RWTLoan Acquisition Costs
$6.73M+88.6%
SoFi Technologies, Inc. logo
SOFILending — Lead Generation
$59.14M+47.0%
SoFi Technologies, Inc. logo
SOFILending — Advertising Expense
$96.91M+43.0%
Redwood Trust logo
RWTLegacy Investments — Loan Acquisition Costs
$0
Redwood Trust logo
RWTAspire — Loan Acquisition Costs
$1.05M
Pathward Financial, Inc. logo
CASHConsumer — Consumer lending program expenses
$153K-97.3%

Other financials

Income statement

See full
Revenue$308.2M+44.4%
Operating income-$7.5M-67.2%
Net income-$6.6M-172%
EPS (diluted)-$0.07-133%

Balance sheet

See full
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

See full
Operating cash flow-$133.3M-888%
CapEx$2.8M
Free cash flow-$136.0M-909%

Valuation

See full
Market cap$3.01B-43.6%
Enterprise value$4.02B-29.1%
P/E61×
P/S2.6×-4.7×

Profitability

See full
Operating margin3.5%+1.9pp
Net margin4.3%+2.6pp
FCF margin27%+16.9pp

Returns & leverage

See full
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:BorrowerAcquisitionCosts.

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

Ask your AI about Upstart Holdings, Inc.'s business segments — borrower acquisition costs.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

What is Upstart Holdings, Inc.'s business segments — borrower acquisition costs?
Upstart Holdings, Inc. (UPST) reported business segments — borrower acquisition costs of $92.3M in Q1 2026.
How has Upstart Holdings, Inc.'s business segments — borrower acquisition costs changed year-over-year?
Upstart Holdings, Inc.'s business segments — borrower acquisition costs increased by 89.9% year-over-year, from $48.6M to $92.3M.
What is the long-term trend for Upstart Holdings, Inc.'s business segments — borrower acquisition costs?
Over 3 years (2022 to 2025), Upstart Holdings, Inc.'s business segments — borrower acquisition costs has grown at a -5.4% compound annual growth rate (CAGR), from $302.7M to $256.2M.
What does business segments — borrower acquisition costs mean?
Measures the direct expenses incurred to attract and acquire new borrowers for the personal lending platform. Tracking these costs is essential for evaluating the efficiency of marketing spend and the scalability of the customer acquisition funnel.