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Upstart Holdings, Inc. UPST Business Segments — Other Contribution Profit/(Loss)

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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:ContributionProfitOther.

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
Line itemThree Months Ended March 31, 2025Three Months Ended March 31, 2026
Contribution Profit:
Personal Lending$107,712$148,434
Reconciling items:
Other Contribution Profit/(Loss)(1)(5,340)(11,160)
Sales and marketing, net of borrower acquisition costs(2)(10,408)(12,198)
Customer operations, net of borrower verification and servicing costs(3)(5,960)(7,563)
Engineering and product development(57,838)(80,112)
General, administrative, and other(60,558)(76,070)

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is Upstart Holdings, Inc.'s business segments — other contribution profit/(loss)?
Upstart Holdings, Inc. (UPST) reported business segments — other contribution profit/(loss) of -$11.16M in Q1 2026.
How has Upstart Holdings, Inc.'s business segments — other contribution profit/(loss) changed year-over-year?
Upstart Holdings, Inc.'s business segments — other contribution profit/(loss) decreased by 109.0% year-over-year, from -$5.34M to -$11.16M.
What is the long-term trend for Upstart Holdings, Inc.'s business segments — other contribution profit/(loss)?
Over 3 years (2022 to 2025), Upstart Holdings, Inc.'s business segments — other contribution profit/(loss) has grown at a 2.1% compound annual growth rate (CAGR), from -$30.59M to -$32.58M.
What does business segments — other contribution profit/(loss) mean?
Reflects the contribution profit or loss generated from ancillary activities or non-core product lines within the personal lending segment. This metric helps isolate the performance of secondary offerings from the primary lending platform revenue.

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