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Not a forecast; no side."},"schema":"company_file.v1","thesis":{"view":"","scenario_ranges":null,"what_changes_it":""},"no_side":true,"sources":[],"business":{"drivers":["Founded in 2012, Upstart’s marketplace supports unsecured and secured credit products, such as personal loans, auto loans, and home equity lines of credit.","Our revenue consists primarily of fees paid by lending partners and institutional investors.","In the year ended December 31, 2025, our top three lending partners collectively originated 83% of the loans facilitated through our marketplace and revenue."],"description":"Upstart is the leading artificial intelligence (“AI”) lending marketplace. We aim to radically reduce the cost and complexity of borrowing for all Americans by using our proprietary AI models to remake the entire lending process. Founded in 2012, Upstart’s marketplace supports unsecured and secured credit products, such as personal loans, auto loans, and home equity lines of credit (“HELOCs”). Long-term, our vision is to become the always-on, everything-store for credit, where we can automatically approve borrowers at the right prices – instantly and effortlessly. We’re dedicated to providing the best rates and the best process to all consumers. Throughout history, affordable credit has been central to unlocking mobility and opportunity. The FICO score was invented in 1989 and remains the standard for determining who is approved for credit and at what interest rate. While FICO is rarely the only input in a lending decision, most lenders use simple rules-based systems."},"earnings":{"source":"estimated from 10-Q/A filed 2026-08-05 plus 90 days","next_report_date":"2026-11-03"},"identity":{"cik":1647639,"sic":"6199","name":"Upstart Holdings, Inc.","symbol":"UPST","cluster":"Financials & fintech","exchange":"Nasdaq"},"estimates":{"rows":[],"basis":"not yet estimated","consensus":null,"revisions":[]},"scorecard":{"inside_5d":null,"notes_scored":0,"band_coverage_5d":null},"disclosure":"All positions in the Research Model Portfolio are simulated. No real money is invested in this model. Our research is free and is not tailored to any reader's financial circumstances."}