Upstart Holdings, Inc. UPST Business Segments — Expense on convertible notes

Similar metrics at other companies

TRNCorporate Segment — Less: unamortized debt issuance costs

$4.2M-30.0%

EVRInvestment Management — Interest expense on Notes Payable, Line of Credit and Other Financing Arrangements

$113K—

OBAIInterest Related To Convertible Promissory Notes And Loan Facility

$226K-38.6%

CVCOFinancial services — Interest Expense, Nonoperating

$0—

BFHInterest Expense Borrowings

$60M-31.0%

SEDGConvertible Note Related To Financial Expenses Income Net

$2.58M+49.0%

Questions, answered.

What is Upstart Holdings, Inc.'s business segments — expense on convertible notes?

Upstart Holdings, Inc. (UPST) reported business segments — expense on convertible notes of -$4.97M in Q4 2025.

How has Upstart Holdings, Inc.'s business segments — expense on convertible notes changed year-over-year?

Upstart Holdings, Inc.'s business segments — expense on convertible notes decreased by 158.3% year-over-year, from -$1.92M to -$4.97M.

What is the long-term trend for Upstart Holdings, Inc.'s business segments — expense on convertible notes?

Over 3 years (2022 to 2025), Upstart Holdings, Inc.'s business segments — expense on convertible notes has grown at a 61.9% compound annual growth rate (CAGR), from -$4.68M to -$19.87M.

What does business segments — expense on convertible notes mean?

This metric represents the interest expense and amortization of debt issuance costs associated with convertible debt instruments allocated to the personal lending segment. It reflects the cost of capital specifically tied to the financing structure supporting the segment's operations. Tracking this is essential for understanding the impact of leverage and financing decisions on the segment's net earnings.