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Upstart Holdings, Inc. UPST Business Segments — Sales and marketing

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Other financials

Income statement

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Revenue$308.2M+44.4%
Operating income-$7.5M-67.2%
Net income-$6.6M-172%
EPS (diluted)-$0.07-133%

Balance sheet

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Cash & equivalents$931.3M+10.9%
Total debt$1.9B+40.3%
Total equity$733.2M+8.4%
Total assets$3.0B+29.0%

Cash flow

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Operating cash flow-$133.3M-888%
CapEx$2.8M
Free cash flow-$136.0M-909%

Valuation

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Market cap$3.01B-43.6%
Enterprise value$4.02B-29.1%
P/E61×
P/S2.6×-4.7×

Profitability

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Operating margin3.5%+1.9pp
Net margin4.3%+2.6pp
FCF margin27%+16.9pp

Returns & leverage

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Return on equity7%+4.4pp
Debt / equity2.6×+0.6×

Where this comes from

Reported directly by Upstart Holdings, Inc. in its filing.

Tagged under the XBRL concept us-gaap:SellingAndMarketingExpense.

The official record: Upstart Holdings, Inc.’s 10-Q, filed May 5, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Upstart Holdings, Inc.'s business segments — sales and marketing?
Upstart Holdings, Inc. (UPST) reported business segments — sales and marketing of $12.2M in Q1 2026.
How has Upstart Holdings, Inc.'s business segments — sales and marketing changed year-over-year?
Upstart Holdings, Inc.'s business segments — sales and marketing increased by 17.2% year-over-year, from $10.41M to $12.2M.
What is the long-term trend for Upstart Holdings, Inc.'s business segments — sales and marketing?
Over 3 years (2022 to 2025), Upstart Holdings, Inc.'s business segments — sales and marketing has grown at a 1.7% compound annual growth rate (CAGR), from $43.06M to $45.27M.
What does business segments — sales and marketing mean?
Includes all expenditures related to brand promotion, advertising, and sales efforts dedicated to the personal lending segment. This metric is used to assess the company's investment in market share expansion and customer reach.