Upstart Holdings, Inc.

UPST · Nasdaq · ·

Comparar

19,55 US$+2,0 %cierre 13 nov

Cifras hasta el 30 de septiembre de 2026, del 10-Q presentado el 3 de noviembre de 2026

1W: -10,7 %
1M: -14,1 %

Acciones de Upstart Holdings, Inc. (UPST) — ¿es un buen negocio? — InspectStocks

Upstart Holdings, Inc.

UPST · Nasdaq · ·

Comparar

19,55 US$+2,0 %cierre 13 nov

Cifras hasta el 30 de septiembre de 2026, del 10-Q presentado el 3 de noviembre de 2026

1W: -10,7 %
1M: -14,1 %

Just reported

Q3 2026 results

From Upstart's results release of 3 de noviembre de 2026; its quarterly report has since been filed.

Revenue
Actual
370,5M US$
+34 % y/y
+1,6 % q/q
Guided
—
No guide given
EPS, GAAP
Actual
0,33 US$
+43 % y/y
+106 % q/q
Guided
—
No guide given
Operating income, GAAP
Actual
36M US$
+52 % y/y
+146 % q/q
Guided
—
No guide given

Company outlook

Full year 2026

Revenue1,32B US$+26 % y/y Lowered -5,7 %

Set against the company's own guidance and the same quarter a year earlier, not analysts' estimates, which we do not hold. Adjusted figures are the company's own non-GAAP measures, as stated in the release.

Cómo gana dinero

Platform and referral fees
Servicing and other fees
Loan sale fees
Interest income and changes in loan values

Compite con

Qué vende6

Upstart loan assessment and origination software
Software that helps lenders assess applicants, check income and identity, detect possible fraud, set loan terms and process applications.
Personal loans
Unsecured loans offered to consumers through Upstart.com and funded by lending partners, investors or Upstart.
Upstart Auto Finance
Software for car dealerships that supports the vehicle sales process and lets consumers access Upstart-powered auto loans.

Mostrar 3 más

Home equity lines of credit (HELOCs)
Credit lines secured by a borrower's home, offered through Upstart's marketplace.
Small dollar loans
Smaller personal loans offered through Upstart's marketplace.
Cash Line
An unsecured revolving credit line that lets an approved borrower draw money as needed.

Quién se lo compra5

Banks that use Upstart's software to assess applications and make loans.
Credit unions that use the software and may fund loans to their members.
Institutional investors that buy loans or securities backed by loans made through the marketplace.

Mostrar 2 más

Auto dealerships that subscribe to Upstart Auto Finance software.
Consumers who apply for loans through Upstart.com or dealerships; some pay fees on certain products or transactions.

En qué se apoya y qué podría romperlo

De qué depende el negocio

1The marketplace depends on banks, credit unions and investors providing enough money to fund loans; their willingness to lend or invest can change with economic and financial conditions.
2A small number of lending partners account for a substantial portion of loans and fee revenue, making the business dependent on retaining those partners and attracting others.
3Upstart's credit models depend on borrower and loan data, including information from third parties, and on the models keeping up with changes in borrowers' ability to repay.
4Borrower acquisition depends in part on marketing channels and outside loan-referral partners, including online aggregators.

Qué podría salir mal

1If banks and investors reduce the money available to fund loans, or require higher returns, borrowers may receive fewer or more costly offers and marketplace activity may fall.
2The business relies on a limited group of lending partners for a significant share of loan originations and fee revenue; losing or reducing business with those partners could affect results.
3If Upstart's models misjudge borrowers' repayment ability or fail to adjust to economic changes, loan performance may disappoint and lenders, investors or regulators may lose confidence in the marketplace.

Estados financieros completos →

Sobre Upstart Holdings, Inc.

Upstart uses artificial intelligence (AI) software to assess consumer loan applications, verify information and help lenders decide whether to approve a loan and at what price. Consumers can apply through Upstart.com or, for auto loans, at dealerships using Upstart's software. Banks, credit unions and investors provide much of the money for the loans; Upstart also services most of them and sometimes holds loans itself.

Sede: San Mateo, California
Fundada en: 2012
Empleados: 1,405 (December 31, 2025, high)
Cotiza en: NASDAQ
Cierre del ejercicio: December 31

Construido a partir de los propios informes de Upstart Holdings, Inc. ante la Comisión de Bolsa y Valores de EE. UU. (SEC). Las cifras son las declaradas, con el historial por acción reexpresado a la base de acciones de hoy. Esto describe un negocio: no es asesoramiento de inversión ni una recomendación de compra o venta.

Just reported

Q3 2026 results

From Upstart's results release of 3 de noviembre de 2026; its quarterly report has since been filed.

Revenue
Actual
370,5M US$
+34 % y/y
+1,6 % q/q
Guided
—
No guide given
EPS, GAAP
Actual
0,33 US$
+43 % y/y
+106 % q/q
Guided
—
No guide given
Operating income, GAAP
Actual
36M US$
+52 % y/y
+146 % q/q
Guided
—
No guide given

Company outlook

Full year 2026

Revenue1,32B US$+26 % y/y Lowered -5,7 %

Keep exploring

The themes Upstart is part of, the highest-graded companies in its industry, and the companies in its sector whose grade rose recently.

The theme it is part of

Highest-graded in Credit Services

Graded A or B and worth $2B or more: A first, then the largest.

Grade rose recently in Financials

Rose to A or B on a filing in the last 90 days, worth $2B or more: largest first.

Cómo gana dinero

Platform and referral fees
Servicing and other fees
Loan sale fees
Interest income and changes in loan values

Compite con

Qué vende6

Upstart loan assessment and origination software
Software that helps lenders assess applicants, check income and identity, detect possible fraud, set loan terms and process applications.
Personal loans
Unsecured loans offered to consumers through Upstart.com and funded by lending partners, investors or Upstart.
Upstart Auto Finance
Software for car dealerships that supports the vehicle sales process and lets consumers access Upstart-powered auto loans.

Mostrar 3 más

Home equity lines of credit (HELOCs)
Credit lines secured by a borrower's home, offered through Upstart's marketplace.
Small dollar loans
Smaller personal loans offered through Upstart's marketplace.
Cash Line
An unsecured revolving credit line that lets an approved borrower draw money as needed.

Quién se lo compra5

Banks that use Upstart's software to assess applications and make loans.
Credit unions that use the software and may fund loans to their members.
Institutional investors that buy loans or securities backed by loans made through the marketplace.

Mostrar 2 más

Auto dealerships that subscribe to Upstart Auto Finance software.
Consumers who apply for loans through Upstart.com or dealerships; some pay fees on certain products or transactions.

En qué se apoya y qué podría romperlo

De qué depende el negocio

1The marketplace depends on banks, credit unions and investors providing enough money to fund loans; their willingness to lend or invest can change with economic and financial conditions.
2A small number of lending partners account for a substantial portion of loans and fee revenue, making the business dependent on retaining those partners and attracting others.
3Upstart's credit models depend on borrower and loan data, including information from third parties, and on the models keeping up with changes in borrowers' ability to repay.
4Borrower acquisition depends in part on marketing channels and outside loan-referral partners, including online aggregators.

Qué podría salir mal

1If banks and investors reduce the money available to fund loans, or require higher returns, borrowers may receive fewer or more costly offers and marketplace activity may fall.
2The business relies on a limited group of lending partners for a significant share of loan originations and fee revenue; losing or reducing business with those partners could affect results.
3If Upstart's models misjudge borrowers' repayment ability or fail to adjust to economic changes, loan performance may disappoint and lenders, investors or regulators may lose confidence in the marketplace.

Estados financieros completos →

Sobre Upstart Holdings, Inc.

Sede: San Mateo, California
Fundada en: 2012
Empleados: 1,405 (December 31, 2025, high)
Cotiza en: NASDAQ
Cierre del ejercicio: December 31

Upstart Holdings, Inc.

Upstart Holdings, Inc.

Q3 2026 results

Revenue

EPS, GAAP

Operating income, GAAP

Company outlook

Cómo gana dinero

Compite con

Qué vende6

Quién se lo compra5

En qué se apoya y qué podría romperlo

De qué depende el negocio

Qué podría salir mal

Sobre Upstart Holdings, Inc.

Q3 2026 results

Revenue

EPS, GAAP

Operating income, GAAP

Company outlook

Keep exploring

The theme it is part of

Highest-graded in Credit Services

Grade rose recently in Financials

Cómo gana dinero

Compite con

Qué vende6

Quién se lo compra5

En qué se apoya y qué podría romperlo

De qué depende el negocio

Qué podría salir mal

Sobre Upstart Holdings, Inc.

Keep exploring

The theme it is part of

Highest-graded in Credit Services

Grade rose recently in Financials

Fintech & online brokers

Crecimiento y caja — 3 de 5

Tendencia del negocio

Precio de la acción y calificación a lo largo del tiempo