UPST
Upstart·NASDAQ
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UPST fundamentals
Upstart (UPST) released its earnings on Nov 4, 2025: revenue was 277.00M (YoY +70.84%), missed estimates; EPS was 0.52 (YoY +966.67%), beat estimates.
Revenue / YoY
277.00M
+70.84%
EPS / YoY
0.52
+966.67%
Report date
Nov 4, 2025
UPST Earnings Call Summary for Q3,2025
- Revenue surge: 71% YoY growth to $277M, driven by 80% transaction volume growth and 30% app increase.
- Model conservatism: Conversion rate down to 20.6% (from 23.9%) due to macro signals, but credit performance stable.
- New product success: Auto retail volume up 70% QoQ, small-dollar loans with 90-second funding gaining traction.
- Financial strength: $32M GAAP net income, $71M EBITDA, and $1.2B loan balance.
- 2026 vision: Auto, home, and secured loans positioned for breakout growth.
EPS
Revenue
Revenue & Expenses
UPST has released its 2025 Q3 earnings report, with revenue of 277.11M, reflecting a YoY change of 70.90%, and net profit of 31.80M, showing a YoY change of 570.63%. 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.
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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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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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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Where does Upstart (UPST) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Upstart (UPST) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What is the market's earnings forecast for Upstart next quarter?Did Upstart beat or miss consensus estimates last quarter?What were the key takeaways from Upstart's earnings call?What guidance did Upstart's management provide for the next earnings period?What is Upstart's gross profit margin?What is the revenue and EPS growth rate for Upstart year over year?What were the key takeaways from Upstart’s earnings call?What is Upstart's latest dividend and current dividend yield?
