Upstart Holdings, Inc. logo
Nasdaq: UPST · expanding
AI native
PROBABLE

Upstart Holdings, Inc.

An AI lending marketplace applying proprietary models to credit underwriting, pricing and loan automation.

AI nativeAI productsFintechOfficial website

Research candidate, not an investment rating. Identity and classification reflect a bounded evidence snapshot observed Jul 26, 2026.

VCAI-RC-0012-EXP-01
External market projection

UPST market context

Close Aug 4, 2026 · Yahoo Finance chart endpoint
$30.32
Latest close
+3.02%
1 day
-12.82%
30 days
-63.30%
1 year
$85.31
52w high
$23.97
52w low
External end-of-day market projection. It is not canonical company knowledge and may be delayed or corrected by the provider.Source projection
Regulator-sourced financials

SEC financial snapshot

CIK 0001647639 · Finance Services
Latest quarter · 10-Q

Period ended Jun 30, 2026 · filed Aug 4, 2026

Open filing
$364.7M
Revenue
Unknown
Gross profit
$14.6M
Operating income
$16.5M
Net income
Latest annual · 10-K

Period ended Dec 31, 2025 · filed Feb 10, 2026

Open filing
$1B
Revenue
Unknown
Gross profit
$42.6M
Operating income
$53.6M
Net income

Values are issuer-filed XBRL facts retrieved from SEC EDGAR. Missing concepts remain Unknown; non-GAAP values are not substituted.

Explainable company intelligence

What makes this an AI company—and what changed recently.

AI roles are presented as source-anchored research interpretations. The document stream is regulator-primary, but a filing’s existence does not prove the claims contained inside it.

AI Exposure Ledger

Role evidence, not a proprietary investment score

2 dimensions

AI native

Primary classified role
REAL-020-EXP-01

AI is central to the issuer’s described operating identity and current product portfolio.

Evidence basis

The annual filing and investor materials describe a currently operating AI lending marketplace used by banks and credit unions.

Anchors: SRC-REAL-020-A · SRC-REAL-020-B

AI products

Material supporting role
REAL-020-EXP-02

AI is a material capability inside one or more current products or services.

Evidence basis

Issuer reporting supports the platform identity but does not independently prove fairness, approval quality or credit performance.

Anchors: SRC-REAL-020-A · SRC-REAL-020-B

Why it is in the map

01

The annual filing and investor materials describe a currently operating AI lending marketplace used by banks and credit unions.

02

Issuer reporting supports the platform identity but does not independently prove fairness, approval quality or credit performance.

Evidence chain

These sources support the issuer/listing and AI-exposure assessment. First-party evidence proves attribution—not independent truth.

What would trigger a review

  • New annual report or material model/governance change.
  • Regulatory action affecting automated lending.
  • Material change in funding or bank-partner structure.