Enterprise Software

Upstart

Medium58% confidenceProfile verified Jul 18, 2026

Upstart is an AI-driven consumer lending platform using machine learning models to underwrite personal loans, auto loans, and other credit products, aiming to expand credit access beyond traditional FICO-score-based underwriting. Q1 2026 revenue rose 44% to $308 million as loan originations jumped 61% to $3.4 billion, though the company posted a wider net loss of $6.6 million on higher marketing spend; Upstart's AI credit model closed 12.6% of the distance to a theoretically perfect model versus 4.6% for traditional scoring, and it maintains 2026 guidance of about $1.4 billion in revenue.

Leading Indicators

Hiring and patent filing trends — the underlying numbers Momentum is computed from. Insider filing activity is tracked separately under Sources below.

Steadyinsider filing activity unchanged since last check

Sources

Every claim traced to a primary source — evidence, recent activity, and insider filing behavior, all in one place.

Evidence

3 sources · 52% avg. source confidence

  • The Motley FoolUpstart posts 59% revenue growth, returns to profitability in FY202556% source confidence
  • Upstart corporate siteUpstart corporate overview48% source confidence
  • Investing.comUpstart Q1 2026 slides: 44% revenue growth amid margin pressure52% source confidence

Insider Filing Activity

18Form 4 filings, trailing 90 days0 since last week's snapshot

Counts filing frequency only — transaction direction/size wasn't parseable from the sampled filings · sourced from SEC EDGAR · as of Jul 28, 2026

Dependency Map

What Upstart depends on below, and who depends on Upstart above — click any node to make it the new center, 2 levels deep.

Connection type

Investment
Dependency
Supply Chain
Development
Enablement
Competition / Other
Succession

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The Story So Far (last 6 months)

May 2026: Upstart Q1 2026 slides: 44% revenue growth amid margin pressureMay 2026: Upstart posts 59% revenue growth, returns to profitability in FY2025

Auto-generated from this entity's dated milestones, relationship updates, and sourced evidence — not AI-written, just sorted.