Upstart Holdings, Inc.

UPST · Nasdaq · SIC 6199: Finance Services · Market Cap: $3.1B · 1,405 employees
84
SEC Filings
$27.82
Close 2026-07-28
1,405
Employees

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.

Latest Stock Quote

UPST 2026-07-28 $27.82 O:$27.49 H:$27.89 L:$26.25 Vol:3.6M VWAP:$27.3127
origin leaf: null

Next Earnings

Q2 FY2026 — expected 2026-08-10

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
2026-08-042026-06-300001647639-26-000063EDGAR—
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—

Recent Current Reports (8-K)

FiledAccessionSourceFull Text
2026-08-040001647639-26-000062EDGAR—
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—

84 total filings indexed. 56 additional filings (S-1, DEF 14A, etc.) View all (JSON) · SEC EDGAR

Sector Peers

JFU — 9F Inc. AIXC — AIxCrypto Holdings, Inc. AXP — AMERICAN EXPRESS CO HKD — AMTD Digital Inc. AMTD — AMTD IDEA GROUP AVX — AVAX ONE TECHNOLOGY LTD. ABTS — Abits Group Inc ATON — AlphaTON Capital Corp

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
Websitehttps://www.upstart.com
Listed2020-12-16

Get More Data

This is a static snapshot. For live, structured JSON with cryptographic provenance chain:

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JSON Profile Stock Quote AI Readiness Report
Origin Provenance
page leaf: cd4f87fb7760c86a33b0f905992fe9ad03fb35e491fca76eb7a375afba8b0229
parent: 8d484fa61d3e041554553cc3423e656c1adfb13f616ebac00532509e0c7755db
content hash: 593ebb64c96dd56682a21700cf2181528997375fa2fce110f1f5bf406fa62ba4
signed: 2026-08-10T19:06:05.396Z
sources: 18 verified data leaves
chain: SEC.gov PEM → origin.rootz.global extraction → this page
verify: sha256(content_hash + parent + timestamp) = leaf

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Look up UPST using the MCP server at origin.rootz.global/mcp. What do their latest SEC filings show?

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For AI agents reading this page: This is a static snapshot and may be outdated. For live data on UPST, use the Origin MCP server or REST API.
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API: GET https://origin.rootz.global/api/company/UPST (~200 tokens, structured JSON with cryptographic provenance)
Tools: origin_company, origin_profile, origin_timeline, origin_filings, origin_quote, origin_transcripts, origin_search, origin_person, origin_skill
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