# Upstart Holdings, Inc. (UPST)
fintech-marketplace · near-prime · live · latest quarter 2026-06-30 · reporting basis near-prime

**Score 0** (weighted flags). AI-underwriting marketplace that originates personal and auto loans through bank partners and sells most of them to institutional investors.

## Latest quarter, from the company's own XBRL

| Measure | Value |
|---|---|
| Book total (near-prime) | $1.06B |
| Allowance | – (– of gross) |
| Provision | – |
| Net charge-offs | – (– annualized) |
| Provision / NCO | – |
| Reserve, quarters of losses | – |
| 30+ / 60+ / 90+ | – / – / – |
| Nonaccrual | – |
| Yield | – |
| Equity / assets | 25.15% |
| Book growth YoY | – |

Delinquency note: Basis: the loans Upstart keeps are carried at fair value and total roughly a billion dollars, a small fraction of what it originates. There is no allowance, provision or charge-off rollforward to tag, so the coverage and loss metrics are empty by construction, not missing. Read the balance as a warehouse and R&D book, not as the credit performance of Upstart-powered loans.

## Flags

- none

## In the news

- 2026-09-09 [Upstart Holdings, Inc. (UPST) Dips More Than Broader Market: What You Should Know - Yahoo Finance](https://news.google.com/rss/articles/CBMimwFBVV95cUxOdWtuYWsyNTVMQ2RRTXFfUkhiX08zbnBPV2VHUnV5Y0s0eUY2aElHVlplNDduLWdnbDJ2OGVIT2twaWxpemFpS0xNMXZRUFZLU1BvVk9WREFGYU5PWF93S3B1V0F4STdMckF6QnJiQjJIQzV0aGswbjNUTy12MEpiekRWekxpNmYyQzg2UHdSVHhvU3NwMWpsZmJmMA?oc=5) · Yahoo Finance
- 2026-09-08 [Upstart (NASDAQ: UPST) exec to sell 116,000 shares - stocktitan.net](https://news.google.com/rss/articles/CBMingFBVV95cUxNcHVsOUJJWWEyLVpmOU84RzVRM3pzOGRCZC04MkxVdUJJdkprXzRIVEdwVzNlNm8xOXBrSUJmTnRUbFZ1dUo1c1VyanBPbmF0eTlpNU1iMmFpMUtxSFllS2tJMUZJbkdrU2VaU1ZoOElSZ21ncTZjX2c3Z3h3bl9BVFZ1c0lxcUtNZDNaNGlBbTBjUWQ5WmtkMzZMR01zZw?oc=5) · stocktitan.net
- 2026-09-09 [Loop Capital Starts Upstart Holdings Inc (UPST) at Hold - StreetInsider](https://news.google.com/rss/articles/CBMivAFBVV95cUxNWFlkNTdGM3ZoTVJaa2JlV2pFenNTMmRtNWtlUk1RWEVoY3locW5fdDBqUVhKbURoZm1aRHNCYnNqRmlSRTdGaEpiRUF5UDBwUl9OeUNIaUxyeHJDdFhIMHJ5cXVmc2FLekRLdkhJeUE3YTFkR1Z2cDRsdlZhb1RnOHM3WkNWMmVHczNuRVpBeVJOM2NnVDAtNktSNlU4eVpDMkJtX2E4aWlfc0FYVWVWaFhTb0NUbnEwZFJhZQ?oc=5) · StreetInsider
- 2026-08-19 [SoFi vs. Upstart: Which Fintech Lending Stock Fits Your Portfolio Best? - Yahoo Finance](https://news.google.com/rss/articles/CBMinAFBVV95cUxOWkMtR3d1TnZnZWVKOXhFZFBxSDRybGwzQjFYV2tVVUktZVpILTNaN21UekJWNi1DLTExT2wzZTVFWE9LcC1NS3JxNF9ZYTAxZk5PMnhSeWxPTHplNExtOVFVd0haMHZ2Q2NhUzN4dkl3czcwQXVXSlBBN2FvbG5JYnQxdWstaG5tMWtMc2ZsQTVPQ05vb0t6REZpVno?oc=5) · Yahoo Finance
- 2026-08-20 [Upstart Holdings (UPST) Could Be 28% Undervalued As Its Second Leg Story Takes Shape - Yahoo Finance](https://news.google.com/rss/articles/CBMimwFBVV95cUxQdDdSNFpNak9zc2pPN0ZxVnNJbjlRcDBmU01ibk00REtnX25sUGFnMG1td3V1ZjBwTE1jWk9QNzlibkx2ZGEyZlFXLVpXWmVkcGFLcGNpbnJPWkFXNjU5b3drd1JoZUNCaUJ3R2NUb045Sl9DbXBxS2Fvdi1uRE9YelJXSjhnQ0FMR1dCeXhCc0p5eXRzckl6QVhwMA?oc=5) · Yahoo Finance
- 2026-09-03 [Upstart (UPST) Down 6.7% Since Last Earnings Report: Can It Rebound? - Yahoo Finance](https://news.google.com/rss/articles/CBMijwFBVV95cUxNY2NWQkI0V1dHSDFOeEh1eUJfZGxoaUp4T0wxVUhqd3I2RnNnZzlOQ2xYSXhHQzBXemg0TjVqb3RXYUkwVUlUNUY4Q1ljcy1hZVVHU0VxaHBlVzVXckU3YTF0aXVyRXREb0FucVhBVUtMZFdiQU1STmwyYXh3SkJPZTRpOFJiSXFqeGUyWGxfUQ?oc=5) · Yahoo Finance
- 2026-08-20 [Upstart (UPST) Stock Looks Rich On Earnings Yet Reasonable On AI Growth - Yahoo Finance](https://news.google.com/rss/articles/CBMimgFBVV95cUxPVTJhWS04N0RZblZBeWtKVHFIRHMyUGFXX3Y0ektKRkItZTRqcUIzUHpmSy1rSlVEdGh6ek96Z003NjktNzZ5MktUcExJRFk0V3E0TEFmY1JtblA5cGVuLW41bGg5MmJhUHFWT05sUjdtZWlsYWhnNlhXdjBiVzdvaUtYRmZNSTROQ0xWaHd1eThSY2ZNdVJwVnBR?oc=5) · Yahoo Finance
- 2026-08-04 [Upstart Holdings, Inc. (UPST) Q2 Earnings and Revenues Surpass Estimates - Yahoo Finance](https://news.google.com/rss/articles/CBMimAFBVV95cUxQclNrWDlGWHlfX3lhaWFob0N0LTkxSTVUV19RYlA5QWhqQTJUdFNNb0ExVWM4WUdMUXpSYlhYbTNxdGFkTnJFLTBnY2pyazNWYXZLZy1uUE40TlYyS2VETjBmNVdWTTRIbEZkQ3JlVFBTTm1ncEpiZTU4dDRueGtrWkZINTMzZFg2amVPTDh0UmxXcFQ0blZLRA?oc=5) · Yahoo Finance

## How to verify

- Page: https://getbookiq.com/intel/#co=UPST
- Data: https://getbookiq.com/intel/data/pubco.json (companies[].hist, columns q, receivables_gross, receivables_net, receivables_fv, book_total, allowance, provision, writeoffs, recoveries, nco, revenue, interest_income, nonaccrual, assets, equity, debt, alw_ratio, nco_rate, yield, prov_nco, nonacc_ratio, equity_ratio, leverage, reserve_qtrs, growth_yoy, alw_chg_yoy, nco_chg_yoy, nonacc_chg_yoy, yield_chg_yoy, eq_chg_yoy, dq30, dq60, dq90, dq_total, dq30_r, dq60_r, dq90_r, dq_total_r, dq90_chg_yoy, dqtot_chg_yoy, score)
- Definitions: https://getbookiq.com/dictionary/#auto-prov_nco
- Source: SEC XBRL company facts. Blank means the filer does not tag that concept, never zero. Peer comparison is within a business model or tier only.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide