Jun 2026 (Q2 FY26) — Aug 4, 2026
Upstart Holdings, Inc. Q2 FY26 — Record Contribution Profit and Return to GAAP Profitability
Read the full callUpstart Holdings (UPST) earnings
- Jun 2026
- Jun 2026 (Q2 FY26)
- Dec 2025
Upstart Holdings earnings: last reported Tue, 4 Aug 2026, for the quarter ended Jun 2026.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 365 | +41.7% YoY | Quarterly, as filed | Quarter to Jun 2026 | Revenue from operations as filed. |
| Operating margin | 4.0 | +2.2 pts YoY | Operating profit / revenue | Quarter to Jun 2026 | For the quarter; a change is in percentage points. |
| Net profit | 16.5 | +195.0% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Price
$23.25 −1.32% · −$0.31
Performance −50.0% 1Y
1Y: $46.5 on 17 Oct 2025 → $23.25. High $52.74 (27 Oct 2025), low $22.74 (14 Oct 2026).
- Previous close
- $23.56
- 52-week range
- $22.74 – $52.74
- One year
- −53.70%
Overview
- Symbol
- UPST
- Sector
- Financials
- Exchange
- US
- Currency
- USD
Call summaries
Every analysed call
Upstart Holdings earnings calls (UPST)
Financials
What the filings say
Net profit, year on year: +195% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 162 | 219 | 213 | 257 | 277 | 296 | 308 | 365 |
| Operating profit | -45 | -5 | -4 | 5 | 24 | 19 | -8 | 15 |
| Operating margin | −27.9% | −2.2% | −2.1% | 1.8% | 8.5% | 6.4% | −2.4% | 4.0% |
| Net profit | -7 | -3 | -2 | 6 | 32 | 19 | -7 | 17 |
| EPS ($ per share) | -0.07 | — | -0.03 | 0.06 | 0.33 | — | -0.07 | 0.17 |
| Line item | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Equity capital | — | 0 | 0 | 0 | 0 | 0 | 0 |
| Reserves | — | -69 | 66 | -42 | -283 | -411 | -358 |
| Total liabilities | — | 177 | 1,013 | 1,264 | 1,382 | 1,734 | 2,176 |
| Fixed assets | — | 10 | 24 | 44 | 43 | 39 | 44 |
| Total assets | — | 477 | 1,820 | 1,936 | 2,017 | 2,367 | 2,975 |
| Line item | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Cash from operations | 32 | 16 | 168 | -658 | -112 | 186 | -148 |
| Cash from investing | 45 | 137 | -144 | -114 | -118 | -238 | -177 |
| Cash from financing | -119 | 79 | 855 | 113 | 165 | 560 | 406 |
| Net cash flow | -42 | 231 | 880 | -659 | -65 | 508 | 81 |
| Capital expenditure | -4 | -1 | -8 | -9 | -2 | -1 | -0 |
| Free cash flow | 28 | 14 | 160 | -667 | -113 | 185 | -148 |
Insider filings
74 filings between Oct 24, 2025 and Sep 10, 2026.
Open market
decisions to buy or sellPurchases
$11.57M
6 purchases by 2 insiders
Sales
$7.47M
39 sales by 5 insiders
33% filed under a 10b5-1 plan — scheduled in advance, not decided on the day
Compensation
not trading decisions- 13
- Award — granted as compensation
- 8
- Option exercise — converted options into shares
Also filed: 8 other filings.
Who traded
open market only| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| Gu Paul | $6.58M | — | Sep 10, 2026 |
| Datta Sanjay | — | $5.27M | Sep 8, 2026 |
| Girouard Dave | $5.00M | — | May 7, 2026 |
| Darling Scott | — | $1.41M | Aug 20, 2026 |
| Blankmeyer Andrea | — | $507.3K | Aug 19, 2026 |
| Mirgorodskaya Natalia | — | $201.0K | Aug 25, 2026 |
| Cooper Kerry Whorton | — | $75.0K | Dec 12, 2025 |
Latest filings (50)
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Sep 10, 2026 | Gu Paul Chief Executive Officer | Purchase | 50,000 | $1.28M |
| Sep 8, 2026 | Datta Sanjay President, Capital& Enterprise | Sale | 116,000 | $3.17M |
| Sep 8, 2026 | Datta Sanjay President, Capital& Enterprise | Option exercise | 300,000 | $405.0K |
| Aug 25, 2026 | Mirgorodskaya Natalia See Remarks | Sale 10b5-1 plan | 913 | $27.4K |
| Aug 20, 2026 | Datta Sanjay President, Capital& Enterprise | Sale | 8,945 | $251.3K |
| Aug 20, 2026 | Darling Scott Chief Legal Officer | Sale | 7,696 | $216.2K |
| Aug 20, 2026 | Mirgorodskaya Natalia See Remarks | Sale | 586 | $16.5K |
| Aug 19, 2026 | Datta Sanjay President, Capital& Enterprise | Sale | 10,000 | $314.6K |
| Aug 19, 2026 | Blankmeyer Andrea Chief Financial Officer | Sale 10b5-1 plan | 3,000 | $88.0K |
| Aug 17, 2026 | Datta Sanjay President, Capital& Enterprise | Sale | 2,033 | $59.7K |
| Aug 17, 2026 | Blankmeyer Andrea Chief Financial Officer | Sale 10b5-1 plan | 7,175 | $210.6K |
| Aug 17, 2026 | Darling Scott Chief Legal Officer | Sale | 814 | $23.9K |
| Jun 9, 2026 | Datta Sanjay President, Capital& Enterprise | Sale | 15,000 | $456.1K |
| May 29, 2026 | O'Kelly Ciaran Director | Award | 6,476 | $0 |
| May 29, 2026 | Hentges Mary Director | Award | 6,476 | $0 |
| May 29, 2026 | Cooper Kerry Whorton Director | Award | 6,476 | $0 |
| May 29, 2026 | Wennes Timothy H Director | Award | 6,476 | $0 |
| May 29, 2026 | Bernard Peter J Director | Award | 6,476 | $0 |
| May 29, 2026 | Terry Hilliard C. III Director | Award | 6,476 | $0 |
| May 26, 2026 | Mirgorodskaya Natalia See Remarks | Sale 10b5-1 plan | 974 | $28.2K |
| May 20, 2026 | Darling Scott Chief Legal Officer | Sale | 6,634 | $190.9K |
| May 20, 2026 | Datta Sanjay President, Capital& Enterprise | Sale | 7,985 | $229.7K |
| May 20, 2026 | Mirgorodskaya Natalia See Remarks | Sale | 526 | $15.1K |
| May 15, 2026 | Darling Scott Chief Legal Officer | Sale | 286 | $8.2K |
| May 15, 2026 | Mirgorodskaya Natalia See Remarks | Option exercise | 4,600 | $6.2K |
| May 15, 2026 | Blankmeyer Andrea Chief Financial Officer | Sale | 101 | $3.1K |
| May 15, 2026 | Blankmeyer Andrea Chief Financial Officer | Sale | 4,184 | $125.7K |
| May 15, 2026 | Blankmeyer Andrea Chief Financial Officer | Sale | 2,759 | $79.9K |
| May 15, 2026 | Datta Sanjay President, Capital& Enterprise | Sale | 1,011 | $30.4K |
| May 15, 2026 | Datta Sanjay President, Capital& Enterprise | Sale | 806 | $23.3K |
| May 15, 2026 | Darling Scott Chief Legal Officer | Sale | 441 | $13.2K |
| May 13, 2026 | Gu Paul Chief Executive Officer | Purchase | 50,000 | $1.38M |
| May 7, 2026 | Girouard Dave Director | Option exercise | 835,075 | $693.1K |
| May 7, 2026 | Girouard Dave Director | Purchase | 300 | $8.9K |
| May 7, 2026 | Girouard Dave Director | Purchase | 169,940 | $4.99M |
| Mar 31, 2026 | Blankmeyer Andrea Chief Financial Officer | Award | 169,427 | $0 |
| Mar 2, 2026 | Mirgorodskaya Natalia See Remarks | Sale 10b5-1 plan | 390 | $10.1K |
| Feb 28, 2026 | Mirgorodskaya Natalia See Remarks | Award 10b5-1 plan | 9,375 | $0 |
| Feb 28, 2026 | Datta Sanjay See Remarks | Award | 61,670 | $0 |
| Feb 28, 2026 | Darling Scott Chief Legal Officer | Award | 24,668 | $0 |
| Feb 25, 2026 | Mirgorodskaya Natalia See Remarks | Sale 10b5-1 plan | 866 | $24.9K |
| Feb 20, 2026 | Darling Scott Chief Legal Officer | Sale 10b5-1 plan | 6,478 | $193.4K |
| Feb 20, 2026 | Darling Scott Chief Legal Officer | Other 10b5-1 plan | 6,638 | — |
| Feb 20, 2026 | Mirgorodskaya Natalia See Remarks | Sale | 633 | $18.9K |
| Feb 20, 2026 | Datta Sanjay Chief Financial Officer | Sale | 7,982 | $238.4K |
| Feb 20, 2026 | Darling Scott Chief Legal Officer | Other 10b5-1 plan | 6,638 | — |
| Feb 20, 2026 | Darling Scott Chief Legal Officer | Sale 10b5-1 plan | 390 | $11.8K |
| Jan 22, 2026 | Darling Scott Chief Legal Officer | Option exercise | 7,564 | $100.0K |
| Jan 12, 2026 | Cooper Kerry Whorton Director | Award | 1,459 | $0 |
| Jan 12, 2026 | Bernard Peter J Director | Award | 834 | $0 |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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