Flash FinanceUS
Market closed S&P 5007,549.94+2.35% Nasdaq25,253.14+2.74% Dow 3052,389.75+2.15% Russell 20002,840.81+3.15% Nasdaq-10027,907.62+3.40% MidCap 4003,715.23+3.13% SmallCap 6001,722.37+2.89% VIX19.92-22.31% 10Y Yield4.86+0.10% Close of Nov 09, 2026
AI brief of an SEC Form 8-K · Upstart Holdings, Inc. (UPST)

Upstart Q3 2026 revenue rises 34% to $371 million; net income up 15%

Positive Impact 3 of 5 earnings Written later

Upstart reported third-quarter 2026 results for the quarter ended September 30, 2026, with total revenue of $371 million, up 34% from a year earlier, and net income of $36.6 million, up 15%. The company also issued full-year 2026 guidance of about $1.35 billion in total revenue and about $260 million in Adjusted EBITDA, and its CEO said macroeconomic conditions are putting pressure on the near-term outlook.

Key points

  • Total revenue was $371 million, up 34% year over year; revenue from fees was $364 million, up 41%.
  • Net income was $36.6 million, up 15% from $31.8 million; diluted earnings per share were $0.33, compared with $0.23 a year earlier.
  • Full-year 2026 outlook: total revenue of approximately $1.35 billion, revenue from fees of approximately $1.32 billion, and Adjusted EBITDA of approximately $260 million (19% margin).
  • Contribution Profit was $218 million, up 48%; the filing says the secured products category reached positive Contribution Margin one quarter ahead of target.

The filing

CompanyUpstart Holdings, Inc. (UPST)
Form8-K, current report
Filed with the SECNov 3, 2026, 8:10 AM ET
Accession number0001647639-26-000083

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 9, 2026, 8:53 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on November 03, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.