Upstart operates an AI-driven lending platform that underwrites consumer credit using machine-learning models beyond traditional credit scores alone. Banks and credit unions originate loans through Upstart’s technology, while the company earns fees for software, referrals and related services. The focus is personal loans and adjacent consumer credit products aimed at borrowers who may be underserved by conventional underwriting. Differentiation rests on automated risk assessment and a partner-bank distribution model rather than holding all loans on its own balance sheet.
| Quarter | Revenue | YoY % | Earnings | YoY % |
|---|---|---|---|---|
| Q1 2025 | 213.4 | — | -2.5 | — |
| Q2 2025 | 257.3 | — | 5.6 | — |
| Q3 2025 | 277.1 | — | 31.8 | — |
| Q4 2025 | 276.2 | — | 18.6 | — |
| Q1 2026 | 308.2 | 44.5% | -6.7 | — |
| Q2 2026 | 364.7 | 41.8% | 16.5 | 195% |
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