Upstart Holdings's results for Q3 2026 (quarter ended Sep 30, 2026) come from the company's own earnings release, filed with the SEC on 2026-11-03. Everything below is taken from that filing; quotes are copied exactly. Company outlooks are the company's own.
At a glance
| Item | Value |
|---|---|
| Revenue (GAAP) | $371 million (+33.7% vs a year earlier) |
| Diluted EPS (GAAP) | $0.33 |
| Full-year guidance | Stated (no change given) |
Guidance
Upstart expects 2026 total revenue of about $1.35 billion, fee revenue about $1.32 billion and adjusted EBITDA about $260 million.
Why this label: 'For full-year 2026, Upstart expects' total revenue ~$1.35B and adjusted EBITDA ~$260M; no prior figures or raise/lower wording.
| Metric | Period | New | Prior (as stated in the release) |
|---|---|---|---|
| revenue from fees | FY2026 | ~$1.32 billion | not stated |
| total revenue | FY2026 | ~$1.35 billion | not stated |
| adjusted EBITDA (margin) | FY2026 | ~$260 million (19%) | not stated |
From the release
Revenue: "Total Revenue: $371 million, up 34% YoY."
Earnings per share: "Diluted net income per share was $0.33, compared with $0.23 in Q3 2025."
revenue from fees: "Revenue From Fees of approximately $1.32 billion"
total revenue: "Total Revenue of approximately $1.35 billion"
adjusted EBITDA (margin): "Adjusted EBITDA (Margin % of Total Revenue) of approximately $260 million (19%)"
Key fact: Originations rose 44% to $4.1 billion; total revenue up 34% to $371 million.
Source
Upstart Holdings earnings release (SEC filing), accession 0001647639-26-000083, filed 2026-11-03.
Part of the Q3 2026 Guidance Tracker. Educational only, not advice. Free weekly recap every Sunday: yieldterminalpro.com/newsletter.