Upstart Holdings, Inc. (UPST)
NASDAQ: UPST · Real-Time Price · USD
31.53
-0.44 (-1.38%)
At close: Feb 18, 2026, 4:00 PM EST
31.48
-0.05 (-0.16%)
Pre-market: Feb 19, 2026, 7:31 AM EST
Upstart Holdings Operating Metrics
| Period Ending | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 | Sep 30, 2023 | Jun 30, 2023 | Mar 31, 2023 | Dec 31, 2022 | Sep 30, 2022 | Jun 30, 2022 | Mar 31, 2022 | Dec 31, 2021 | Sep 30, 2021 | Jun 30, 2021 | Mar 31, 2021 | Dec 31, 2020 | Sep 30, 2020 | Jun 30, 2020 | Mar 31, 2020 | Dec 31, 2019 | Sep 30, 2019 | Jun 30, 2019 | Mar 31, 2019 | Dec 31, 2018 | Sep 30, 2018 | Jun 30, 2018 | Mar 31, 2018 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Contribution Margin | 53.00% | 57.00% | 58.00% | 55.00% | 61.00% | 64.00% | 58.00% | 56.00% | - | - | - | - | - | - | - | |||||||||||||||||
| Contribution Profit | 531.09M | 512.22M | 467.19M | 402.76M | 381.53M | 355.23M | 347.05M | 366.84M | - | - | - | - | - | - | - | |||||||||||||||||
| Contribution Profit Growth | 39.20% | 44.19% | 34.62% | 9.79% | 7.99% | 4.56% | 1.62% | 0.06% | - | - | - | - | - | - | - | |||||||||||||||||
| Conversion Rate | 19.40% | 20.60% | 23.90% | 19.10% | 19.30% | 16.30% | 15.00% | 14.00% | - | - | - | - | - | - | - | - | - | - | ||||||||||||||
| Percent Loans Fully Automated | 91.00% | 91.00% | 92.00% | 92.00% | 91.00% | 90.00% | 90.00% | 90.00% | ||||||||||||||||||||||||
| Transaction Volume | 11.00B | 9.92B | 8.66B | 6.94B | 5.94B | 5.08B | 4.70B | 4.78B | - | - | - | - | - | - | - | - | - | |||||||||||||||
| Transaction Volume Growth | 85.31% | 95.04% | 84.16% | 45.24% | 27.84% | 3.04% | -15.49% | -37.66% | - | - | - | - | - | - | - | - | - |
| Period Ending | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 | Sep 30, 2023 | Jun 30, 2023 | Mar 31, 2023 | Dec 31, 2022 | Sep 30, 2022 | Jun 30, 2022 | Mar 31, 2022 | Dec 31, 2021 | Sep 30, 2021 | Jun 30, 2021 | Mar 31, 2021 | Dec 31, 2020 | Sep 30, 2020 | Jun 30, 2020 | Mar 31, 2020 | Dec 31, 2019 | Sep 30, 2019 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fees | 950.01M | 884.07M | 793.12M | 682.87M | 635.47M | 589.04M | 568.20M | 581.36M | ||||||||||||||||||
| Fees Growth | 49.50% | 50.09% | 39.58% | 17.46% | 13.39% | 4.59% | -4.63% | -18.17% | ||||||||||||||||||
| Net Interest Income | 93.85M | 82.66M | 58.65M | 39.23M | 1.06M | -31.16M | -37.91M | -42.93M | ||||||||||||||||||
| Net Interest Income Growth | 8,736.72% | - | - | - | - | - | - | - |
| Period Ending | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 | Sep 30, 2023 | Jun 30, 2023 | Mar 31, 2023 | Dec 31, 2022 | Sep 30, 2022 | Jun 30, 2022 | Mar 31, 2022 | Dec 31, 2021 | Sep 30, 2021 | Jun 30, 2021 | Mar 31, 2021 | Dec 31, 2020 | Sep 30, 2020 | Jun 30, 2020 | Mar 31, 2020 | Dec 31, 2019 | Sep 30, 2019 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales and Marketing | 301.51M | 266.38M | 230.77M | 190.62M | 166.80M | 150.11M | 139.92M | 130.86M | ||||||||||||||||||
| Sales and Marketing Growth | 80.76% | 77.46% | 64.93% | 45.67% | 31.19% | 7.90% | -13.86% | -46.32% | ||||||||||||||||||
| Engineering and Product Development | 257.60M | 257.91M | 258.77M | 248.40M | 253.65M | 243.58M | 233.64M | 233.16M | ||||||||||||||||||
| Engineering and Product Development Growth | 1.56% | 5.88% | 10.76% | 6.54% | -9.45% | -15.13% | -21.67% | -21.58% | ||||||||||||||||||
| General, Administrative, and Other | 253.74M | 246.34M | 245.43M | 233.88M | 230.94M | 226.28M | 219.91M | 217.34M | ||||||||||||||||||
| General, Administrative, and Other Growth | 9.88% | 8.86% | 11.61% | 7.61% | 8.73% | 11.05% | 11.06% | 11.74% | ||||||||||||||||||
| Customer Operations | 188.38M | 177.14M | 166.65M | 159.09M | 158.00M | 153.51M | 150.40M | 148.52M | ||||||||||||||||||
| Customer Operations Growth | 19.23% | 15.39% | 10.80% | 7.12% | 5.54% | -2.26% | -9.34% | -17.57% |
Source: Business metrics provided by Main Street Data and sourced from official company press releases and documents.