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Upstart Holdings, Inc. UPST Business Segments — Borrower Verification And Servicing Costs

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

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:BorrowerVerificationAndServicingCosts.

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 business segments — borrower verification and servicing costs?
Upstart Holdings, Inc. (UPST) reported business segments — borrower verification and servicing costs of $47.5M in Q1 2026.
How has Upstart Holdings, Inc.'s business segments — borrower verification and servicing costs changed year-over-year?
Upstart Holdings, Inc.'s business segments — borrower verification and servicing costs increased by 37.7% year-over-year, from $34.5M to $47.5M.
What is the long-term trend for Upstart Holdings, Inc.'s business segments — borrower verification and servicing costs?
Over 3 years (2022 to 2025), Upstart Holdings, Inc.'s business segments — borrower verification and servicing costs has grown at a 1.0% compound annual growth rate (CAGR), from $157.8M to $162.7M.
What does business segments — borrower verification and servicing costs mean?
Captures the operational expenses associated with verifying borrower information and managing the ongoing servicing of loans within the personal lending segment. This metric highlights the variable costs required to maintain loan quality and support the lending lifecycle.