• Upstart’s fiscal Q2 2026 results reflected faster Core personal-loan growth, improved unit economics, and lower balance-sheet usage.
• Total originations reached USD 4.2 billion, up 23% sequentially; revenue rose 18% to about USD 365 million, led by fee revenue.
• Contribution Profit climbed 41% sequentially to USD 193 million; Contribution Margin improved to 55% from 50% as take rates rose.
• Unsecured Contribution Margin increased to 62% from 56% on higher Core mix and lower acquisition cost; Secured margin improved to -35% from -96%.
• Net income was about USD 17 million; loans held were USD 1.06 billion, about 5.9% of loans outstanding; guidance for USD 1.4 billion revenue was reiterated.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Upstart Holdings Inc. published the original content used to generate this news brief on August 04, 2026, and is solely responsible for the information contained therein.