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Upstart 3Q 2026: Revenue $370.5M, Net income $36.6M, EPS $0.33— 10-Q Summary

Upstart Holdings reported Q3 2026 revenue of $370.5M, up 33.7% YoY, with net income of $36.6M (15% increase) and EPS of $0.33. Marketplace originations grew 44% to $4.1B, driven by model improvements and marketing. Net fee revenue rose 41%, led by platform and referral fees.

Original reporting
tradingview.com
Published Nov 3, 2026, 1:21 PM UTC
Analysis
AlphAI AI DeskAI-generated
Added to AlphAI Nov 3, 2026, 1:25 PM UTC. Informational, not investment advice.
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Upstart 3Q 2026: Revenue $370.5M, Net income $36.6M, EPS $0.33— 10-Q Summary — source image
Source · tradingview.com
Decision brief

The 30-second read

$UPSTBullishMed
01

Why it matters

Earnings beat suggests operational momentum, but the removal of auto‑refinance could offset growth.

02

Market read

Upstart's strong Q3 results may prompt short‑term buying interest and influence peer fintech stocks.

03

What to watch

The end of auto‑refinance offerings could limit future revenue streams.

Relevance 7/10Novelty 8/10Timing: after‑hours release

Background

Upstart Holdings, Inc. is a U.S. fintech company that uses AI to underwrite consumer loans.

Company-level read

Ticker impact

$UPSTBullishHigh confidence
Context

Upstart reported Q3 2026 revenue of $370.5M (+33.7% YoY) and net income of $36.6M (+15% YoY), indicating strong growth.

Expected impact

upward pressure as investors price in higher growth and profitability

Evidence & confidence

Revenue and net income both rose sharply year‑over‑year, and marketplace originations jumped 44%, suggesting improved loan pipeline and fee revenue.

Market effects

Sector

Positive signal for fintech and AI‑driven lending sector, may boost peer valuations.

Regional

U.S. fintech market sees incremental confidence from Upstart's results.

Global

Limited to U.S. markets; no immediate global macro effect.

Counterpoint

What could challenge this read

Growth may be unsustainable if loan defaults rise; investors should watch credit quality metrics.

Key entities

  • company
    Upstart Holdings, Inc.

    AI‑driven consumer lending platform.

Read at source← All news

StoryUpstart posts strong Q3 results but lowers 2026 outlook

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3 Key Takeaways From Upstart's Latest Report

Upstart (UPST) reported Q3 revenue of $371M, up 34%, and EPS of $0.33, beating estimates. Secured loans turned profitable with a 17% margin. The company raised revenue guidance but lowered adjusted EBITDA due to macroeconomic pressures. Stock rose 2% post-earnings. CEO Paul Gu highlighted tech and marketing improvements, and noted the stock's low valuation.

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