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Upstart Holdings, Inc.
UPST · Nasdaq · ·
Next earnings: November 3, 2026
$23.14+0.4%Sep 29 close
- 1M
- -20.4%
- 6M
- -4.5%
- 1Y
- -54.4%
- 5Y
- -93.0%
UPST · Nasdaq · ·
Next earnings: November 3, 2026
$23.14+0.4%Sep 29 close
Upstart Holdings, Inc. is scheduled to report next on November 3, 2026. The date comes from Nasdaq’s earnings calendar, and companies sometimes move it.
The quarter ending June 30, 2026, against the same quarter a year earlier.
| Measure | 3 months toJun 30, 2026 | 3 months toJun 30, 2025 | Change |
|---|---|---|---|
| Total Revenue | $364.7M | $257.3M | +41.75% |
| Profit | $16.5M | $5.6M | +194.97% |
| Profit per share | $0.16 | $0.05 | +220.00% |
| Free Cash Flow | -$138.7M | -$120.3M | -15.31% |
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.
“We came into this quarter with a clear plan, and we executed against it — re-accelerating growth in core personal loans, moving our secured products rapidly toward profitability, and funding that growth without adding equity capital. The results speak for themselves: originations up 50% year-over-year and we returned to GAAP profitability, with an all-time-high Contribution Profit,”
Quoted verbatim from the release, and shown only when the filing attributes it to a named person.
Releases land after the close or before the open, so the move is the session that follows.
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 August 4, 2026; the table is built from its quarterly reports. Read the release on EDGAR Share prices are split- and dividend-adjusted.
Upstart Holdings, Inc. has no earnings call transcript available.