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Upstart Holdings, Inc. UPST Servicing and other fees, net — Revenue from fees, net

Other product segments

Servicing fees
$32.33M+41.7%
Borrower fees
$10.09M+51.5%
Collection agency fees
$3.91M+3.2%
Other fees
$3.87M+3,894%

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$89.25M+8.5%
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$242.5K-11.8%
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TROWAdministrative, distribution, servicing, and other fees — Net revenues
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BKDistribution and servicing fees — Total fee and other revenue – contract revenue
$37M+2.8%
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PCBServicing Fees Net1
$802K+5.5%

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:RevenueFromFeesNet.

The source filing: Upstart Holdings, Inc.’s 8-K, filed August 4, 2026. Open the filing →

Filed
Aug 4, 2026, 4:05 PM EDT
Accession
0001647639-26-000062

FAQ

What is Upstart Holdings, Inc.'s servicing and other fees, net — revenue from fees, net?
Upstart Holdings, Inc. (UPST) reported servicing and other fees, net — revenue from fees, net of $54.81M in Q2 2026.
How has Upstart Holdings, Inc.'s servicing and other fees, net — revenue from fees, net changed year-over-year?
Upstart Holdings, Inc.'s servicing and other fees, net — revenue from fees, net increased by 44.5% year-over-year, from $37.93M to $54.81M.
What is the long-term trend for Upstart Holdings, Inc.'s servicing and other fees, net — revenue from fees, net?
Over 4 years (2021 to 2025), Upstart Holdings, Inc.'s servicing and other fees, net — revenue from fees, net has grown at a 20.2% compound annual growth rate (CAGR), from $75.11M to $157.03M.
What does servicing and other fees, net — revenue from fees, net mean?
This metric represents the net revenue generated from servicing loans originated through the company's platform, including fees for loan administration, payment processing, and other related support services. It reflects the recurring income stream derived from the ongoing management of the loan portfolio after the initial origination process is complete. This revenue stream is a key indicator of the company's ability to maintain long-term engagement with its lending partners and the underlying credit assets.

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