Earnings summaries and quarterly performance for Upstart Holdings.
Executive leadership at Upstart Holdings.
Board of directors at Upstart Holdings.
Research analysts who have asked questions during Upstart Holdings earnings calls.
Kyle Peterson
Needham & Company
7 questions for UPST
Also covers: AFRM, ALIT, AX +12 more
Peter Christiansen
Citigroup Inc.
7 questions for UPST
Also covers: ADP, ADT, ALIT +12 more
RW
Robert Wildhack
Autonomous Research
7 questions for UPST
Also covers: AFRM, ALLY, AXP +6 more
DD
Dan Dolev
Mizuho Financial Group
6 questions for UPST
Also covers: ACN, ADP, AFRM +14 more
JH
John Hecht
Jefferies
6 questions for UPST
Also covers: AFRM, ARCC, CACC +22 more
SC
Simon Clinch
Redburn Atlantic
6 questions for UPST
Also covers: CME, EFX, FICO +4 more
MB
Mihir Bhatia
Bank of America
5 questions for UPST
Also covers: ACT, AXP, BFH +11 more
JF
James Faucette
Morgan Stanley
4 questions for UPST
Also covers: ACN, ADP, AFRM +24 more
RS
Reggie Smith
JPMorgan Chase & Co.
4 questions for UPST
Also covers: AFRM, BFH, CIFR +7 more
Ramsey El-Assal
Barclays
3 questions for UPST
Also covers: ACN, ADP, AFRM +20 more
DS
David Scharf
Citizens Capital Markets and Advisory
2 questions for UPST
Also covers: AFRM, ECPG, ENVA +11 more
GA
Giuliano Anderes-Bologna
Compass Point
2 questions for UPST
Also covers: AFRM, AGO, COOP +7 more
JF
James Fawcett
Morgan Stanley
2 questions for UPST
Also covers: CHYM, V
John Coffey
Barclays PLC
2 questions for UPST
Also covers: DLO, NU, PAGS +2 more
KJ
Kyle Joseph
Jefferies
2 questions for UPST
Also covers: AFRM, CACC, CRMT +14 more
Matthew O'Neill
Financial Technology Partners
2 questions for UPST
Also covers: AFRM, EFX, ETOR +7 more
PM
Patrick Moley
Piper Sandler & Co.
2 questions for UPST
Also covers: BGC, CBOE, CME +17 more
RS
Reginald Smith
JPMorgan Chase & Co.
2 questions for UPST
Also covers: AFRM, BETR, BFH +8 more
SA
Simon Alistair Clinch
Redburn Atlantic
2 questions for UPST
Also covers: CME, EFX, FICO +3 more
Arvind Ramnani
Piper Sandler
1 question for UPST
Also covers: CWAN, DUOL, GLOB +5 more
Michael Infante
Morgan Stanley
1 question for UPST
Also covers: ADP, BR, CWAN +7 more
VC
Vincent Caintic
Stephens Inc.
1 question for UPST
Also covers: AFRM, BFH, CRMT +9 more
Recent press releases and 8-K filings for UPST.
Upstart's AI Lending Platforms Address Rising Auto Repossession Rates
UPST
Demand Weakening
New Projects/Investments
- The auto market is experiencing a significant crisis, with 1.73 million vehicles repossessed in 2024 and projections for 3 million in 2025, marking repossession rates not seen since the 2009 financial crisis.
- Upstart (UPST) offers an AI-powered auto refinancing platform that uses over 1,000 data points beyond traditional credit scores, including education and employment history, to evaluate loan applications.
- Upstart operates as a technology platform, providing its AI underwriting model to regulated bank and credit union partners who originate the loans, rather than lending directly.
- As of September 2025, Upstart's auto refinance loan terms range from 24 to 84 months with APRs from 5.17 percent to 35.99 percent, and the platform reported an average monthly payment savings of $127 for borrowers who accepted terms in September 2025.
21 hours ago
Upstart Announces $1.5 Billion Forward-Flow Agreement with Castlelake
UPST
New Projects/Investments
- Upstart has secured a new 12-month forward-flow agreement with Castlelake for the purchase of up to $1.5 billion in consumer loans originated through its platform.
- This represents the third such agreement between Upstart and Castlelake, building on prior commitments of up to $4 billion and $1.2 billion in 2023.
- The agreement is intended to support Upstart's capacity to maintain a consistent loan funding platform across various economic conditions.
Nov 6, 2025, 3:00 PM
Upstart Reports Strong Q3 2025 Results and Provides Q4/FY25 Guidance
UPST
Earnings
Guidance Update
Revenue Acceleration/Inflection
- Upstart reported Q3 2025 total revenue of approximately $277 million, representing 71% year-on-year growth and 8% sequentially, with GAAP net income of approximately $32 million, which grew by a factor of six over the prior quarter.
- Consumer loan applications reached over two million in Q3, an increase of 30% from Q2 and the highest level in more than three years. However, the conversion rate decreased from 23.9% in Q2 to 20.6% in Q3 as risk models moderately reduced approvals and increased interest rates in response to macroeconomic signals.
- Newer products, including small-dollar loans, auto, and home, accounted for almost 12% of originations and 22% of new borrowers in Q3, with transaction volume for each growing in the range of 300% year-on-year.
- For Q4 2025, Upstart expects total revenues of approximately $288 million and GAAP net income of approximately $17 million. For the full year 2025, the company anticipates total revenues of approximately $1.035 billion and GAAP net income of approximately $50 million.
Nov 4, 2025, 9:30 PM
Upstart Reports Strong Q3 2025 Results and Provides Q4 2025 Outlook
UPST
Earnings
Guidance Update
Revenue Acceleration/Inflection
- Upstart reported strong financial results for Q3 2025, with Total Revenue reaching $277 million, a 71% year-over-year increase. The company achieved Net Income of $32 million (11% margin) and Adjusted EBITDA of $71 million (26% margin).
- Originations in Q3 2025 totaled $2.9 billion, marking an 80% year-over-year growth. This included $2.7 billion in personal loan originations (up 73% YoY) , $128 million in auto originations (up ~5X YoY) , and $72 million in home originations (up ~4X YoY).
- Operational efficiency improved significantly, with 91% of the 428,000 funded loans in Q3 2025 being fully automated, requiring no human intervention by Upstart.
- For Q4 2025, Upstart projects Total Revenue of $288 million, GAAP Net Income of $17 million, and Adjusted EBITDA of $63 million. The full-year 2025 Total Revenue guidance is $1.035 billion, with an Adjusted EBITDA Margin of 22%.
Nov 4, 2025, 9:30 PM
Upstart Reports Strong Q3 2025 Financial Results and Provides Q4 and Full-Year Guidance
UPST
Earnings
Guidance Update
Revenue Acceleration/Inflection
- Upstart reported Q3 2025 total revenue of $277 million, marking a 71% year-on-year increase, and achieved GAAP net income of $32 million.
- The company's AI models demonstrated conservatism in Q3, reducing the conversion rate from 23.9% in Q2 to 20.6% in Q3 in response to macroeconomic signals, despite consumer applications growing 30% sequentially to over two million.
- Transaction volume grew 128% year-on-year to 428,000 in Q3 2025, while newer products (auto, home, small-dollar loans) contributed almost 12% of originations and saw auto retail transaction volume increase over 70% sequentially.
- Upstart provided Q4 2025 revenue guidance of approximately $288 million and GAAP net income of $17 million, with full-year 2025 total revenue expected to be approximately $1.035 billion.
Nov 4, 2025, 9:30 PM
Upstart Announces Third Quarter 2025 Results and Provides Q4 and Full-Year 2025 Outlook
UPST
Earnings
Guidance Update
Revenue Acceleration/Inflection
- Upstart reported Q3 2025 total revenue of $277 million, a 71% year-over-year increase, with GAAP net income of $31.8 million and diluted net income per share of $0.23.
- The company's AI platform facilitated approximately $2.9 billion in originations during Q3 2025, representing an 80% year-over-year growth.
- For Q4 2025, Upstart expects total revenue of approximately $288 million and GAAP net income of approximately $17 million.
- The full-year 2025 outlook includes total revenue of approximately $1.035 billion and GAAP net income of approximately $50 million.
Nov 4, 2025, 9:06 PM
Upstart Announces Third Quarter 2025 Results and Provides Outlook
UPST
Earnings
Guidance Update
Revenue Acceleration/Inflection
- Upstart reported Q3 2025 total revenue of $277 million, marking a 71% year-over-year increase, with total originations reaching approximately $2.9 billion, up 80% year-over-year.
- The company achieved GAAP net income of $31.8 million and diluted net income per share of $0.23 in Q3 2025, a significant improvement from a net loss in the prior year period.
- Adjusted EBITDA for Q3 2025 was $71.2 million, up from $1.4 million in Q3 2024, with an Adjusted EBITDA Margin of 26%.
- For Q4 2025, Upstart expects total revenue of approximately $288 million and GAAP net income of approximately $17 million, while the full-year 2025 total revenue is projected to be approximately $1.035 billion.
Nov 4, 2025, 9:05 PM
Quarterly earnings call transcripts for Upstart Holdings.
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