Upstart Q2 2026: revenue up 42% YoY, net income $16.5M, originations $4.2B

Upstart Holdings, Inc.

Originations $4.2B (+50% YoY); total revenue $365M (+42% YoY); net income $16.5M (+195% YoY), diluted EPS $0.16.
Contribution Profit all-time high $193M (+37% YoY); Contribution Margin 55% vs 58% in Q2 2025.
Adjusted EBITDA $76.9M (+45% YoY); margin 21% unchanged; FY2026 guidance reaffirmed: revenue ~$1.4B, EBITDA ~$294M.
Unsecured revenue from fees $326M (+38% YoY); Secured combined Contribution Margin improved to -35% from -176% YoY.
Returned to GAAP profitability; CEO cites re-accelerating growth and funding without equity capital.

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