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Upstart Holdings, Inc. UPST Business Segments — Contribution Profit: Personal Lending

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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:ContributionProfit.

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
Personal LendingThree Months Ended March 31, 2025Three Months Ended March 31, 2026
Revenue from fees, net$182,127$265,394
Borrower acquisition costs(2)(45,141)(80,379)
Borrower verification and servicing costs(3)(29,274)(36,581)
Contribution Profit for Personal Lending$107,712$148,434

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is Upstart Holdings, Inc.'s business segments — contribution profit: personal lending?
Upstart Holdings, Inc. (UPST) reported business segments — contribution profit: personal lending of $148.43M in Q1 2026.
How has Upstart Holdings, Inc.'s business segments — contribution profit: personal lending changed year-over-year?
Upstart Holdings, Inc.'s business segments — contribution profit: personal lending increased by 37.8% year-over-year, from $107.71M to $148.43M.
What is the long-term trend for Upstart Holdings, Inc.'s business segments — contribution profit: personal lending?
Over 3 years (2022 to 2025), Upstart Holdings, Inc.'s business segments — contribution profit: personal lending has grown at a 5.7% compound annual growth rate (CAGR), from $477.34M to $563.67M.
What does business segments — contribution profit: personal lending mean?
Calculated as the segment revenue minus direct variable costs associated with borrower acquisition and loan servicing. It serves as a key indicator of the profitability and unit economics of the personal lending business before allocating fixed corporate overhead.

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