Upstart Holdings, Inc.
Upstart Holdings, Inc. (Nasdaq: UPST) operates an AI-powered lending marketplace that uses proprietary models to assess credit risk and facilitate unsecured personal loans, auto loans and home equity lines of credit for consumers. Borrowers access loan offers through Upstart.com and, for auto financing, through… From the company’s description.
Over the twelve months to Sep 30, 2026, Upstart Holdings, Inc. reported revenue of $1.34B, up 38.6% from a year earlier, and net income of $65.11M. Its pre-tax margin was 4.6%. In fiscal 2025, it reported revenue of $1.04B, up 64.0% from fiscal 2024, and net income of $53.60M.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What Upstart Holdings, Inc. does
In the company’s own words
Upstart Holdings, Inc. (Nasdaq: UPST) operates an AI-powered lending marketplace that uses proprietary models to assess credit risk and facilitate unsecured personal loans, auto loans and home equity lines of credit for consumers. Borrowers access loan offers through Upstart.com and, for auto financing, through dealerships using its Auto Finance software; banks, credit unions and institutional investors provide or purchase funding for loans, while lending partners set their own underwriting policies. Upstart also earns platform, referral and servicing fees and provides loan servicing and digital lending software. Its marketplace is a single business rather than multiple reportable segments. In 2025, institutional investors purchased 64% of facilitated loan principal, lending partners retained or purchased 26%, and 10% was held on Upstart’s balance sheet; the company had more than 100 lending partners at year-end. Founded in 2012, Upstart applies AI across underwriting, borrower acquisition, identity and income verification, fraud detection and servicing. Its website is www.upstart.com.
Company details
- Sector
- Financials
- Industry (SIC)
- Finance Services
- Headquarters
- BURLINGAME, CA
- Fiscal year end
- December
- CIK
- 1647639
- SIC
- 6199
Financial performance, year by year
Fiscal 2021–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns Upstart Holdings, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Upstart Holdings, Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Upstart Holdings, Inc.’s bonds, as funds hold them
Funds report holding 4 issues of Upstart Holdings, Inc.’s debt, $178.31M at market value — what funds hold, not the company’s total debt. Weighted-average coupon 0.84%, maturing 2026 to 2032.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
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