Upstart Holdings, Inc.

UPST · Nasdaq · SIC 6199: Finance Services
81
SEC Filings

Business Summary

Upstart Holdings, Inc. is an AI-powered lending marketplace founded in 2012 that facilitates personal loans, auto loans, and home equity lines of credit (HELOCs). Using proprietary AI models, Upstart aims to improve credit risk assessment beyond traditional FICO-based systems, enabling higher approval rates and lower interest rates. Loans are funded through a network of bank and credit union lending partners, institutional investors, securitization programs, and balance sheet holdings. In 2025, 91% of loans on its platform were fully automated.

Next Earnings

Q2 FY2026 — expected 2026-08-10

Key Facts from Earnings Calls

TypeSubjectDetailQuarter
topic_mentionUPSTdiscussed_in_filing Artificial Intelligence
topic_mentionUPSTdiscussed_in_filing Cybersecurity
topic_mentionUPSTdiscussed_in_filing Trusted Computing
topic_mentionUPSTdiscussed_in_filing Blockchain & Crypto
topic_mentionUPSTdiscussed_in_filing Regulation
topic_mentionUPSTdiscussed_in_filing Automotive
topic_mentionUPSTdiscussed_in_filing Platform & Ecosystem
topic_mentionUPSTdiscussed_in_filing Artificial Intelligence
topic_mentionUPSTdiscussed_in_filing Cybersecurity
topic_mentionUPSTdiscussed_in_filing Trusted Computing
topic_mentionUPSTdiscussed_in_filing Blockchain & Crypto
topic_mentionUPSTdiscussed_in_filing Regulation
topic_mentionUPSTdiscussed_in_filing Automotive
topic_mentionUPSTdiscussed_in_filing Platform & Ecosystem
topic_mentionUPSTdiscussed_in_filing Artificial Intelligence
topic_mentionUPSTdiscussed_in_filing Cybersecurity
topic_mentionUPSTdiscussed_in_filing Trusted Computing
topic_mentionUPSTdiscussed_in_filing Blockchain & Crypto
topic_mentionUPSTdiscussed_in_filing Regulation
topic_mentionUPSTdiscussed_in_filing Automotive

Annual Reports (10-K)

FiledPeriodAccessionSourceFull Text
2026-02-102025-12-310001647639-26-000027EDGAR81K words
2025-02-142024-12-310001647639-25-000018EDGAR—
2024-02-152023-12-310001647639-24-000009EDGAR—
2023-02-162022-12-310001647639-23-000021EDGAR—
2022-02-182021-12-310001647639-22-000009EDGAR—
2021-03-182020-12-310001647639-21-000004EDGAR—

Quarterly Reports (10-Q)

FiledPeriodAccessionSourceFull Text
2025-11-042025-09-300001647639-25-000134EDGAR91K words
2025-08-052025-06-300001647639-25-000092EDGAR—
2025-05-062025-03-310001647639-25-000049EDGAR—
2024-11-082024-09-300001647639-24-000047EDGAR—
2024-08-072024-06-300001647639-24-000038EDGAR—
2024-05-082024-03-310001647639-24-000022EDGAR—
2023-11-082023-09-300001647639-23-000051EDGAR—
2023-08-092023-06-300001647639-23-000043EDGAR—
2023-05-102023-03-310001647639-23-000035EDGAR—
2022-11-092022-09-300001647639-22-000064EDGAR—
2022-08-092022-06-300001647639-22-000049EDGAR—
2022-05-102022-03-310001647639-22-000018EDGAR—

Recent Current Reports (8-K)

FiledAccessionSourceFull Text
2026-03-100001647639-26-000036EDGAR1K words
2026-02-190001647639-26-000033EDGAR—
2026-02-100001647639-26-000026EDGAR—
2026-02-100001647639-26-000025EDGAR—
2025-11-040001647639-25-000133EDGAR—
2025-08-140001193125-25-180825EDGAR—
2025-08-050001647639-25-000091EDGAR—
2025-05-230001647639-25-000053EDGAR—
2025-05-060001647639-25-000048EDGAR—
2025-05-020001647639-25-000032EDGAR—

81 total filings indexed. 53 additional filings (S-1, DEF 14A, etc.) View all (JSON) · SEC EDGAR

Sector Peers

AIXC — AIxCrypto Holdings, Inc. AXP — AMERICAN EXPRESS CO AVX — AVAX ONE TECHNOLOGY LTD. ABTC — American Bitcoin Corp. ABIT — Athena Bitcoin Global ATCH — AtlasClear Holdings, Inc. BTGO — BITGO HOLDINGS, INC. BMNR — BITMINE IMMERSION TECHNOLOGIES, INC.

Tags

consumer-personal-lending auto-lending home-equity-lines-of-credit-(heloc) ai-based-credit-underwriting institutional-loan-investment ai-and-machine-learning-models-for-credit-underwriting automated-income-and-identity-verification fraud-detection-algorithms loan-stacking-behavior-identification

Company Identity

CIK0001647639
TickerUPST
ExchangeNasdaq
SIC6199: Finance Services
IncorporatedDE

Get More Data

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JSON Profile Stock Quote AI Readiness Report
Origin Provenance
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signed: 2026-04-13T04:47:59.923Z
sources: 18 verified data leaves
chain: SEC.gov PEM → origin.rootz.global extraction → this page
verify: sha256(content_hash + parent + timestamp) = leaf