Just reported
From Upstart's results release of November 3, 2026; its quarterly report has since been filed.
Actual
$370.5M
+34% y/y
+1.6% q/q
Guided
—
No guide given
Actual
$0.33
+43% y/y
+106% q/q
Guided
—
No guide given
Actual
$36M
+52% y/y
+146% q/q
Guided
—
No guide given
Full year 2026
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.
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.
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.
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.
Built from Upstart Holdings, Inc.’s own filings with the U.S. Securities and Exchange Commission (SEC). Figures are as reported, with per-share history restated onto today’s share basis. This describes a business — it is not investment advice and not a recommendation to buy or sell anything.
$19.16-6.8%Nov 12 close
Figures through September 30, 2026, from the 10-Q filed November 3, 2026
Upstart charges banks, credit unions and investors to assess loan applications and connect them with consumers seeking personal, auto and home-equity loans.
Company outlook: revenue of about $1.3B for Fiscal year 2026 — up 26.5% on a year earlier, slower than the 33.7% just reported
The themes Upstart is part of, the highest-graded companies in its industry, and the companies in its sector whose grade rose recently.
Graded A or B and worth $2B or more: A first, then the largest.
AXPAmerican Express Co.$213.3BA
COFCapital ONE Financial Corp.$116.5BA+
SOFISoFi Technologies, Inc.$20.3BA
FCFSFirstcash Holdings, Inc.$7.8BA+
OMFOnemain Holdings, Inc.$6.3BARose to A or B on a filing in the last 90 days, worth $2B or more: largest first.
BLKBlackRock, Inc.Nov 4, 2026CAGraded C, now A
HSBCHsbc Holdings plcOct 27, 2026CBGraded C, now B
GSThe Goldman Sachs Group, Inc.Nov 2, 2026BAGraded B, now A
WFCWells Fargo & CompanyOct 13, 2026BAGraded B, now A
CMECME Group Inc.Oct 21, 2026BAGraded B, now AGrade D
The band under the price shows the grade on each date, built only from filings that were public by then.
Showing 2 of 20 quarters of Upstart Holdings, Inc.’s grade history. The other 18 go back to February 2022.
