Just reported
Q3 2026 results
From Upstart Holdings, Inc.'s results release of November 3, 2026; its quarterly report has since been filed.
Revenue
Actual
$370.5M
+34% y/y ↑
+1.6% q/q ↑
EPS, GAAP
Actual
$0.33
+43% y/y ↑
+106% q/q ↑
Operating income, GAAP
| Measure | 3 months toSep 30, 2026 | 3 months toSep 30, 2025 | Change |
|---|
| Total Revenue | $370.5M | $277.1M | +33.71% |
| Profit | $36.6M | $31.8M | +15.01% |
| Profit per share | $0.33 | $0.23 | +43.48% |
| Free Cash Flow | -$20.6M | -$122.7M | +83.20% |
These are single quarters, not a trailing year — the figures elsewhere on this site cover twelve months and will be much larger. A seasonal business swings a long way between the two: ServiceNow earns $2.0B of free cash flow in its December quarter and $0.5B in its June one.
Compared against the same quarter a year earlier, not against an analyst forecast. A “beat” or “miss” needs a consensus estimate, which is licensed data we do not carry — and getting it wrong is worse than leaving it out.
Earnings calls
NewThe latest call
FetchingUpstart Holdings, Inc. reported on November 3, 2026. We are fetching the call transcript; its summary follows once the transcript is in.
How the share price reacted
Releases land before the open or after the close, so the window runs from the close before the report day to the close of the session after it — the reaction is inside it either way.
Close before
$21.31
Nov 2, 2026
Close after
$23.38
Nov 4, 2026
Move
+9.71%
9.37M shares traded, against a normal 4.32M
What Upstart Holdings, Inc. does
Upstart (NASDAQ: UPST) is the leading AI lending marketplace, connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart AI, lenders can approve more borrowers at lower rates while delivering the exceptional digital-first experience customers demand. More than 90% of loans are fully automated , with no human intervention by Upstart. Founded in 2012, Upstart’s platform includes personal loans, automotive loans, home equity lines of credit, and Upstart’s new Cash Line product, a revolving line of credit. Upstart is based in Burlingame, California. Investors Sonya Banerjee ir@upstart.com Press Eric Smith press@upstart.com
The company’s own description, as it appears at the foot of the release.
The quote and the company description come from Upstart Holdings, Inc.’s Item 2.02 8-K filed November 3, 2026; the table is built from its quarterly reports. Read the release on EDGAR Share prices are split- and dividend-adjusted.
