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Upstart Holdings, Inc. UPST Business Segments — Expense on convertible notes
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Where this comes from
Reported directly by Upstart Holdings, Inc. in its filing.
Tagged under the XBRL concept upst:IncomeExpenseOnConvertibleNotes.
The source filing: Upstart Holdings, Inc.’s 10-K, filed February 10, 2026.
- Filed
- Feb 10, 2026, 4:08 PM EST
- Fiscal year
- FY2025
- Accession
- 0001647639-26-000027
| Line item | Year Ended December 31, 2023 | Year Ended December 31, 2024 | 2025 |
|---|---|---|---|
| Total operating expenses | 770,087 | 809,384 | 1,001,226 |
| Income (loss) from operations | (256,525) | (172,856) | 42,631 |
| Other income, net | 21,206 | 18,793 | 24,324 |
| Expense on convertible notes | (4,706) | (7,694) | (19,872) |
| Gain on debt extinguishment | — | 33,361 | 7,246 |
| Net income (loss) before income taxes | (240,025) | (128,396) | 54,329 |
| Provision for income taxes | 107 | 185 | 728 |
| Net income (loss) | $(240,132) | $(128,581) | $53,601 |
ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA
FAQ
- 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.
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