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Upstart Holdings, Inc. UPST Business Segments — Other income, net

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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 us-gaap:OtherNonoperatingIncomeExpense.

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
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)
Interest income, interest expense, and fair value adjustments, net27,89631,151
Other income, net2,078956
Net loss before income taxes$(2,418)$(6,562)

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is Upstart Holdings, Inc.'s business segments — other income, net?
Upstart Holdings, Inc. (UPST) reported business segments — other income, net of $956K in Q1 2026.
How has Upstart Holdings, Inc.'s business segments — other income, net changed year-over-year?
Upstart Holdings, Inc.'s business segments — other income, net decreased by 54.0% year-over-year, from $2.08M to $956K.
What is the long-term trend for Upstart Holdings, Inc.'s business segments — other income, net?
Over 3 years (2022 to 2025), Upstart Holdings, Inc.'s business segments — other income, net has grown at a 36.9% compound annual growth rate (CAGR), from $9.47M to $24.32M.
What does business segments — other income, net mean?
This metric represents the net non-operating income generated by the personal lending business segment, excluding core fee-based revenue. It captures ancillary financial gains or losses that are incidental to the primary lending operations, such as miscellaneous service fees or minor asset adjustments. Monitoring this helps investors distinguish between core platform performance and secondary income streams.

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