---
title: "Upstart (UPST.US) — Financial Reports"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/UPST.US/norm.md"
symbol: "UPST.US"
name: "Upstart"
parent: "https://longbridge.com/en/quote/UPST.US.md"
datetime: "2026-05-19T14:03:47.557Z"
locales:
  - [en](https://longbridge.com/en/quote/UPST.US/norm.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/UPST.US/norm.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/UPST.US/norm.md)
---

# Upstart (UPST.US) — Financial Reports

## Income Statement (USD)

| Indicator | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
| --- | --- | --- | --- | --- | --- |
| EPS | -0.0700 | 0.1723 | 0.2291 | 0.0500 | -0.0300 |
| ROE | -3.47% | 9.66% | 17.36% | 3.21% | -1.49% |
| Revenue | 318.58M | 304.17M | 285.90M | 265.06M | 220.39M |
| Net income | -6.65M | 18.64M | 31.80M | 5.61M | -2.45M |
| Operating income | 2.85M | 27.00M | 32.46M | 12.31M | 2.52M |
| Gross margin | 82.71% | 82.96% | 82.58% | 82.55% | 81.62% |
| Net margin | -2.09% | 6.13% | 11.12% | 2.12% | -1.11% |
| Profit quality | -2.14% | 24.87% | -26.47% | -10.25% | -18.72% |

## Balance Sheet (USD)

| Indicator | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
| --- | --- | --- | --- | --- | --- |
| A&L | 2.96B | 2.97B | 2.90B | 2.48B | 2.30B |
| Leverage | 4.04 | 3.72 | 3.91 | 3.43 | 3.39 |
| BVPS | 7.66 | 8.15 | 7.65 | 7.51 | 7.12 |
| Turnover | 0.4465 | 0.4027 | 0.4233 | 0.4117 | 0.3593 |
| Cash & STI | 474.66M | 657.67M | 495.71M | 400.56M | 606.49M |
| Inv & Rec | - | - | - | - | - |
| LT assets | 21.41M | 22.08M | 40.51M | 44.16M | 47.76M |
| Net debt | 1.50B | 1.24B | 1.46B | 1.14B | 851.35M |

## Cash Flow Statement (USD)

| Indicator | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
| --- | --- | --- | --- | --- | --- |
| Operating CF | -133.30M | 108.55M | -122.63M | -120.16M | -13.49M |
| Investing CF | 876000.00 | 131.74M | -120.51M | -109.83M | -78.57M |
| Financing CF | 6.74M | -20.18M | 378.58M | 91.93M | -44.68M |
| Free CF | -105.06M | 270.56M | -233.93M | -222.27M | -70.02M |
| OCF coverage | -312.97% | 91.74% | -42.43% | -292.38% | -10.08% |
| Repaid & issued | 141.39M | 95.63M | 716.49M | 131.26M | 76.60M |
| CapEx | -2.75M | -157000.00 | -75000.00 | -115000.00 | - |