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10-Q

Quarterly Report

Upstart Holdings, Inc. UPST

0001647639-26-000046

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Filed
May 5, 2026 12:00 AM ET
Period of report

On SEC.gov

Financials in this filing

Metric Period Value
Shares Outstanding Q1 2026 · Apr 28, 2026 95.71M sh
Shares Diluted Q1 2026 · Mar 31, 2026 96.9M sh
Shares Diluted Q1 2026 · Mar 31, 2025 94.27M sh
Stock Repurchased Q1 2026 · Mar 31, 2026 $100.06M
Stock Repurchased Q1 2026 · Mar 31, 2025 $0
Capex Q1 2026 · Mar 31, 2026 $2.75M
Capex Q1 2026 · Mar 31, 2025 $0
Operating Cash Flow Q1 2026 · Mar 31, 2026 −$133.3M
Operating Cash Flow Q1 2026 · Mar 31, 2025 −$13.49M
Cash And Equivalents Q1 2026 · Mar 31, 2026 $472.93M
Cash And Equivalents Q1 2026 · Dec 31, 2025 $652.39M
Stockholders Equity Q1 2026 · Mar 31, 2026 $733.17M
Stockholders Equity Q1 2026 · Dec 31, 2025 $798.82M
Stockholders Equity Q1 2026 · Mar 31, 2025 $676.64M
Stockholders Equity Q1 2026 · Dec 31, 2024 $633.22M
Total Liabilities Q1 2026 · Mar 31, 2026 $2.23B
Total Liabilities Q1 2026 · Dec 31, 2025 $2.18B
Total Assets Q1 2026 · Mar 31, 2026 $2.96B
Total Assets Q1 2026 · Dec 31, 2025 $2.97B
Eps Diluted Q1 2026 · Mar 31, 2026 −$0.07
Eps Diluted Q1 2026 · Mar 31, 2025 −$0.03
Eps Basic Q1 2026 · Mar 31, 2026 −$0.07
Eps Basic Q1 2026 · Mar 31, 2025 −$0.03
Sga Expense Q1 2026 · Mar 31, 2026 $76.07M
Sga Expense Q1 2026 · Mar 31, 2025 $60.56M
Rd Expense Q1 2026 · Mar 31, 2026 $80.11M
Rd Expense Q1 2026 · Mar 31, 2025 $57.84M
Net Income Q1 2026 · Mar 31, 2026 −$6.65M
Net Income Q1 2026 · Mar 31, 2025 −$2.45M
Operating Income Q1 2026 · Mar 31, 2026 −$7.52M
Operating Income Q1 2026 · Mar 31, 2025 −$4.5M