Q1 2026 Upstart Holdings Inc Earnings Call Transcript

May 05, 2026 / 08:30PM GMT

Release Date Price: €27.65 (-0.13%)

Transcript 10-Q8-K

Operator

Good afternoon, and welcome to the Upstart first quarter 2026 earnings call. (Operator Instructions) As a reminder, this conference call is being recorded.

I would now like to turn the call over to Sonya Banerjee, Head of Investor Relations. Sonya, please go ahead.

Sonya Banerjee

Upstart Holdings Inc - Vice President, Head - Investor Relations

Thank you. Welcome to the Upstart earnings call for the first quarter of 2026. Joining me today are Paul Gu, our Co-founder and CEO, and Andrea Blankmeyer, our CFO.

During today's call, we will make forward-looking statements which include statements about our outlook and business strategy. These statements are based on our expectations and beliefs as of today, which are subject to a variety of risks, uncertainties and assumptions, and should not be viewed as a guarantee of future performance. Actual results may differ materially as a result of various risk factors that have been described in our SEC filings. We assume no obligation to update any forward-looking statements as a result of new

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