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VizualStocks APIOperating KPI and segment definitions available for Upstart Holdings (UPST) through the VizualStocks API.
Upstart fee revenue after borrower-acquisition costs and the variable costs of verifying borrowers and servicing loans. It isolates marketplace transaction economics before fixed operating expenses, interest and other items outside the contribution calculation.
contributionProfitNumber of loans originated or HELOC commitments issued through Upstart divided by legitimate rate inquiries from people actively requesting an offer. It measures the share of prospective borrowers who progress from shopping for a rate to a funded or committed credit product.
conversionRateNet interest income earned on loans and other credit assets held by Upstart, rather than an unspecified residual revenue category. It is the principal difference between total revenue and revenue from platform, referral, servicing and loan-sale fees.
otherRevenueLoans originated through a fully automated process divided by total loans originated during the period.
percentageOfLoansFullyAutomatedFees paid by bank and credit-union partners for access to Upstart's AI lending marketplace and borrower referrals, plus borrower origination fees and auto-dealer subscription fees. These fees are earned for underwriting and facilitating credit rather than for funding the loans on Upstart's balance sheet.
platformAndReferralFeesNetRevenueNet fees Upstart earns for servicing loans held by lending partners and institutional investors, including collecting and remitting borrower payments. It is recurring fee revenue tied to outstanding loans rather than new-loan originations.
servicingAndOtherFeesNetRevenueTotal principal amount of loans originated through Upstart's marketplace plus committed amounts for home-equity lines of credit. Renamed Originations, Dollars beginning in Q2 2026, it measures credit facilitated rather than payments processed or revenue retained by Upstart.
transactionVolumeCount of loans originated through Upstart's marketplace plus commitments issued for home-equity lines of credit. Renamed Originations, Number of Loans beginning in Q2 2026, this is a unit count rather than a dollar volume.
transactionVolumeNumberOfLoans