Symbols

UPST

Upstart·NASDAQ

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UPST fundamentals

UPST Q4 2025 Earnings

Upstart (UPST) released its earnings on Feb 10, 2026: revenue was 296.09M (YoY +35.22%), beat estimates; EPS was 0.4561 (YoY +75.42%), missed estimates.

Revenue / YoY

296.09M

+35.22%

EPS / YoY

0.4561

+75.42%

Report date

Feb 10, 2026

UPST Earnings Call Summary for Q4,2025

Leadership Transition: David Girouard steps down as CEO, with Paul Gu taking over, marking a decade of planned succession.
Revenue Surge: 64% YoY total revenue growth to $1.04 billion, driven by 340%+ growth in auto and home loans.
Balance Sheet Optimization: Loans held reduced 20% QoQ, with 92% of auto originations externally funded.
AI-Driven Performance: 608bps spread over Treasuries, 100 million training data points, and 172.2% model accuracy.
Future Growth: 35% CAGR target over 3 years, 25% EBITDA margin by 2028, and monthly transaction volume disclosures starting in 2026.

Earnings

EPS

Revenue

Revenue & Expenses

UPST has released its 2025 Q4 earnings report, with revenue of 296.09M, reflecting a YoY change of 35.22%, and net profit of 18.64M, showing a YoY change of 776.44%. The Sankey diagram below clearly presents UPST's revenue sources and cost distribution.

Key Indicators

Upstart (UPST) key financial stats and ratios, covering profitability, financial health, and leverage.

Income Statement

Upstart (UPST)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.

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Balance Sheet

Upstart (UPST)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.

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Breakdown

Cash Flow

Upstart (UPST)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.

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