Conference Call Participants
Dan Dolev – Mizuho Securities USA LLC, Research Division
Kyle Peterson – Needham & Company, LLC, Research Division
Peter Christiansen – Citigroup Inc., Research Division
Patrick Moley – Piper Sandler & Co., Research Division
Simon Alistair Clinch – Rothschild & Co Redburn, Research Division
John Hecht – Jefferies LLC, Research Division
Mihir Bhatia – BofA Securities, Research Division
Arvind Ramnani – Truist Securities, Inc., Research Division
Reginald Lawrence Smith – Loop Capital Markets LLC, Research Division
Michael Infante – Morgan Stanley, Research Division
Kyle Joseph – Stephens Inc., Research Division
Giuliano Anderes-Bologna – Compass Point Research & Trading, LLC, Research Division
Robert Wildhack – Autonomous Research US LP
Presentation
Operator
Good morning, and welcome to the Upstart Third Quarter 2026 Earnings Call. [Operator Instructions] As a reminder, this conference call is being recorded.
I would now like to turn the conference over to Sonya Banerjee, Head of Investor Relations. Sonya, please go ahead.
Sonya Banerjee
Head of Investor Relations
Thank you. Welcome to the Upstart Earnings Call for the Third Quarter of 2026. Joining me today are Paul Gu, our Co-Founder and CEO; and Andrea Blankmeyer, our CFO.
During today’s discussion, 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 information
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