UPST

Upstart delivered strong Q2 results with 50% YoY originations growth and 42% revenue growth, returning to GAAP profitability. I maintain a "Neutral" rating on UPST, citing valuation compression as investors compare it to traditional lenders despite its AI-driven underwriting. Management reaffirmed $1.3 billion revenue guidance and a 21% adjusted EBITDA margin for 2026, targeting 35% annual revenue growth over three years.

Digital lender Upstart saw loan originations jump 50% as it prepares to launch its bank. The company reported earnings Tuesday (Aug. 5) showing revenues of $365 million, a 42% increase over the same quarter in 2025.

Upstart Holdings, Inc. (UPST) Q2 2026 Earnings Call Transcript

Upstart NASDAQ: UPST reported second-quarter 2026 results marked by accelerating loan originations, higher contribution margins and a return to GAAP profitability, while reaffirming its full-year financial outlook despite a higher macroeconomic risk indicator.

Evaluate the expected performance of Upstart (UPST) for the quarter ended June 2026, looking beyond the conventional Wall Street top-and-bottom-line estimates and examining some of its key metrics for better insight.

Dave's focused model, 44% adjusted EBITDA margin and improving credit results make it the cleaner AI fintech choice for 2026 despite a richer valuation.

BURLINGAME, Calif.--(BUSINESS WIRE)--Upstart Holdings, Inc. (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, today announced a new multi-year forward-flow agreement with Castlelake, L.P. (“Castlelake”), a global alternative investment firm specializing in asset-based private credit. Under the agreement, Castlelake-managed funds have agreed to purchase up to $4 billion of consumer loans originated on the Upstart platform over up to 24 months through a new forward-flo.

BURLINGAME, Calif.--(BUSINESS WIRE)--Upstart Co-founder and CEO to Participate in Fireside Chat at the Bank of America 2026 SMID Cap Conference.

Upstart (UPST) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Lending marketplace Upstart has received conditional approval from the Office of the Comptroller of the Currency (OCC) to establish a bank called Upstart Bank, N.A. The conditional approval follows Upstart's application submitted in March and marks a key milestone in the company's efforts to operate a nationally chartered bank, the company said in a Thursday (July 23) press release.