Upstart Holdings, Inc. UPST Business Segments — Borrower Verification And Servicing Costs
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Where this comes from
Reported directly by Upstart Holdings, Inc. in its filing.
Tagged under the XBRL concept upst:BorrowerVerificationAndServicingCosts.
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
(3) Borrower verification and servicing costs were $34.5 million and $47.5 million for the three months ended March 31, 2025 and 2026, respectively. Borrower verification and servicing costs consist of payroll and other personnel-related expenses for personnel engaged in loan onboarding, verification and servicing, as well as servicing system costs. It excludes payroll and personnel-related expenses and stock-based compensation for certain members of the Company’s customer operations team whose work is not directly attributable to onboarding and servicing loans. These costs do not include reorganization expenses.
ITEM 1. FINANCIAL STATEMENTS
FAQ
- 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.
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