Upstart Holdings, Inc. · Q1 2026
ReportedMay 5, 2026
Period endedMar 31, 2026
Rule of 400
The quarter in short
Revenue $308M, up 44.4% year over year and 4.1% on the quarter. EPS −$0.07, down 133.3% year over year. Free cash flow −$136M, down 592.4% year over year. Rule of 40 score 0.
Reported this quarter
Revenue
$308M
QoQ +4.1%
YoY +44.4%
EPS
−$0.07
QoQ —
YoY −133.3%
Free Cash Flow
−$136M
QoQ —
YoY −592.4%
Gross Margin
82.1%
QoQ −0.4 pp
YoY +1.1 pp
FCF Margin
-44.1%
QoQ −79.5 pp
YoY −34.9 pp
P/E Ratio
67.5
QoQ −35.2%
YoY —
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Sources & downloads
Company
Published by the company on the day of the release.
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Earnings press release
Investor relations announcement
SEC filings
Filed with the SEC under CIK 1647639.
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8-K results announcement
Filed May 5, 2026
HTM
Press release (EX-99.1)
Exhibit 99.1 to the 8-K
259 KB
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Filing index
Every document in the 8-K submission
TXT
Complete submission
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10-Q quarterly report
Period ended Mar 31, 2026, filed May 5, 2026
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XBRL data bundle
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Company facts (XBRL)
Every figure UPST has reported to the SEC
R40 data
The numbers shown on this page, as we hold them.
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This quarter (CSV)
Reported metrics for Q1 2026, spreadsheet-ready
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This quarter (JSON)
Metrics, dates and matched filings