Upstart Q1 revenue up 44% to $308M, net loss widens to $6.6M; FY guidance reaffirmed

Upstart Holdings, Inc.

2026-Q1 EPS reported -$0.07 revenue$308,214,000

Total originations of $3.4B (+61% YoY); transaction volume of 425,356 loans (+77% YoY).
Revenue from fees of $277M (+49% YoY); contribution margin of 50% vs 55% in Q1 2025.
GAAP net loss per share ($0.07); adjusted EBITDA of $40.5M vs $42.6M in prior year.
Full-year 2026 outlook unchanged: total revenue ~$1.4B, adjusted EBITDA ~$294M (21% margin).
CEO Paul Gu highlights application for national bank charter and rapid growth in home and auto.

item 2.02 item 9.01

Key facts

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Earnings Releases SEC 8-K Item 2.02 confidence 0.95

Upstart Holdings, Inc. reported Q1 2026 results: revenue $308 million, net income ($6.6) million, EPS ($0.07). Guidance reaffirmed.

Period: Q1 2026
Revenue: $308 million
Net income: ($6.6) million
EPS: ($0.07)
Guidance: reaffirmed
Result: reported results

Exact text from the filing

Quarter 2026 Highlights • Transaction Volume: 425,356 loans originated, up 77% year-over-year (“YoY”). Total originations were roughly $3.4 billion, up 61% YoY. • Total Revenue: $308 million, up 44% YoY. Revenue from fees was $277 million, up 49% YoY. • Loss from Operations: ($7.5) million, compared to ($4.5) million in Q1 2025. • Net Loss: ($6.6) million, compared

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Source: SEC EDGAR

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