---
schema_version: "secwatch.filing_event.v1"
accession: "0001647639-26-000062"
form_type: "8-K"
ticker: "UPST"
cik: "0001647639"
company_name: "Upstart Holdings, Inc."
filed_at: "2026-08-04T20:05:48+00:00"
generated_at: "2026-08-04T20:07:32.404802+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001647639-26-000062
- form_type: 8-K
- ticker: UPST
- cik: 0001647639
- company_name: Upstart Holdings, Inc.
- filed_at: 2026-08-04T20:05:48+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1647639/000164763926000062/0001647639-26-000062-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1647639/000164763926000062/upst-20260804.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001647639-26-000062
- JSON: https://secwatch.observer/filing/0001647639-26-000062.json
- Plain text: https://secwatch.observer/filing/0001647639-26-000062.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.