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
9 questions for UPST
Also covers: AFRM, ALIT, AX +14 more
Peter Christiansen
Citigroup Inc.
9 questions for UPST
Also covers: ADP, ADT, ALIT +12 more
RW
Robert Wildhack
Autonomous Research
9 questions for UPST
Also covers: AFRM, ALLY, AXP +7 more
DD
Dan Dolev
Mizuho Financial Group
8 questions for UPST
Also covers: ACN, ADP, AFRM +16 more
JH
John Hecht
Jefferies
8 questions for UPST
Also covers: AFRM, ARCC, BFH +25 more
SC
Simon Clinch
Redburn Atlantic
8 questions for UPST
Also covers: CME, EFX, FICO +4 more
MB
Mihir Bhatia
Bank of America
7 questions for UPST
Also covers: ACT, AFRM, AXP +13 more
JF
James Faucette
Morgan Stanley
6 questions for UPST
Also covers: ACN, ADP, AFRM +29 more
RS
Reggie Smith
JPMorgan Chase & Co.
6 questions for UPST
Also covers: AFRM, BFH, CIFR +8 more
DS
David Scharf
Citizens Capital Markets and Advisory
4 questions for UPST
Also covers: AFRM, ECPG, ENVA +11 more
KJ
Kyle Joseph
Jefferies
4 questions for UPST
Also covers: AFRM, CACC, CRMT +14 more
Arvind Ramnani
Piper Sandler
3 questions for UPST
Also covers: CCC, CWAN, DUOL +6 more
Ramsey El-Assal
Barclays
3 questions for UPST
Also covers: ACN, ADP, AFRM +23 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: AFRM, CHYM, V
John Coffey
Barclays PLC
2 questions for UPST
Also covers: DLO, NU, PAGS +2 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
Michael Infante
Morgan Stanley
1 question for UPST
Also covers: ADP, BR, CPAY +10 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 Announces Inaugural Auto Forward-Flow Agreement with Wafra
UPST
New Projects/Investments
- Upstart Holdings announced an inaugural auto finance forward-flow agreement with Wafra, a global alternative investment manager.
- Wafra has committed to purchase up to $200 million of assets originated through the Upstart auto finance platform over a 12-month forward-flow arrangement.
- This agreement is the first between Upstart and Wafra and aims to support Upstart's ability to deliver a consistent auto funding platform across its growing auto product vertical.
7 days ago
Upstart Announces $333M Sale of Auto Assets to Bayview Affiliates
UPST
M&A
New Projects/Investments
- Upstart Holdings, Inc. announced the sale of a $333 million aggregate portfolio of Upstart Auto assets.
- The assets were sold to affiliates of Bayview Asset Management, LLC.
- This transaction marks the first major deal between Upstart and Bayview, highlighting growing interest in Upstart's scaling auto platforms and providing strategic funding to optimize its balance sheet for newer products.
- Upstart views this partnership as validating the momentum of its retail and refinance products and supporting the expansion of its auto business.
7 days ago
Upstart announces share repurchases
UPST
Share Buyback
- Upstart Holdings, Inc. repurchased $100 million of common stock between February 12, 2026 and February 18, 2026.
- The company acquired 3,193,294 shares at an average price of $31.31 per share through open market transactions.
- These repurchases were part of a $400 million share repurchase program, leaving $122 million remaining under the program.
Feb 19, 2026, 12:55 PM
Upstart announces share repurchases
UPST
Share Buyback
- Upstart Holdings, Inc. repurchased $100 million of common stock, acquiring 3,193,294 shares at an average price of $31.31 per share.
- These repurchases occurred between February 12, 2026, and February 18, 2026, as part of a larger $400 million share repurchase program.
- Following these transactions, $122 million remains available under the authorized share repurchase program.
Feb 19, 2026, 12:55 PM
Upstart Announces CEO Transition and Strong Q4 2025 Results with Positive 2026 and Long-Term Guidance
UPST
CEO Change
Earnings
Guidance Update
- Upstart announced a CEO transition, with co-founder Paul Gu set to become CEO on May 1st, 2026, while current CEO Dave Girouard will transition to Executive Chairman.
- For Q4 2025, the company reported total revenue of $296 million, a 35% year-over-year increase, and achieved positive net income of $19 million.
- Full year 2025 results included total revenue of $1.04 billion and Adjusted EBITDA of $230 million, with overall originations growing 86%.
- Upstart provided 2026 guidance, anticipating total revenues of approximately $1.4 billion and an Adjusted EBITDA margin of approximately 21%.
- The company projects a 35% compound annual growth rate for the three-year period spanning 2025 to 2028, targeting an Adjusted EBITDA margin of around 25% by 2028.
Feb 10, 2026, 9:30 PM
Upstart Announces CEO Transition and Strong 2025 Financial Results with Positive 2026 and Long-Term Guidance
UPST
CEO Change
Guidance Update
Earnings
- Upstart announced a CEO transition, with co-founder Paul Gu taking over from Dave Girouard on May 1st, while Girouard will become Executive Chairman.
- For fiscal year 2025, Upstart achieved $1.04 billion in total revenue and $54 million in net income, with originations growing 86% and revenues growing 64%.
- In Q4 2025, total revenue reached $296 million, marking a 35% year-over-year increase, and net income was $19 million. The company also reduced loans on its balance sheet by 20% sequentially.
- Upstart provided 2026 guidance, projecting approximately $1.4 billion in total revenues and an adjusted EBITDA margin of approximately 21%.
- The company also set a long-term target of a 35% compound annual growth rate for the 2025-2028 period, aiming for an adjusted EBITDA margin of around 25% by 2028.
Feb 10, 2026, 9:30 PM
Upstart Holdings Reports Strong Q4 and Full Year 2025 Results with Positive 2026 Outlook
UPST
Earnings
Guidance Update
Revenue Acceleration/Inflection
- Full Year 2025 saw Total Revenue of $1.0 billion (+64% YoY) and Net Income of $54 million, with originations reaching $11.0 billion (+86% YoY).
- For Q4 2025, Upstart reported Total Revenue of $296 million (+35% YoY), Net Income of $19 million (diluted EPS of $0.17), and Adjusted EBITDA of $64 million.
- Q4 2025 originations totaled $3.2 billion (+52% YoY), with 91% of loans fully automated. Personal loan originations were $2.9 billion, Auto originations $200 million, and Home originations $123 million.
- The company provided FY 2026 guidance for Total Revenue of $1.4 billion and an Adjusted EBITDA Margin of 21%, alongside a 3-Year Target (2025-2028) of 35% Total Revenue Compound Annual Growth Rate.
- Upstart reduced loans held on its balance sheet by 20% QoQ in Q4 2025, with 70% of Auto and Home loan funding sourced from banks, credit unions, and private capital partners.
Feb 10, 2026, 9:30 PM
Upstart Holdings Reports Q4 and Full-Year 2025 Results, Announces CEO Transition, and Issues Future Guidance
UPST
Earnings
CEO Change
Guidance Update
- Paul Gu will become Upstart's next CEO on May 1st, with current CEO Dave Girouard transitioning to Executive Chairman.
- Upstart achieved $1.04 billion in total revenue for the full year 2025, a 64% increase from 2024, and reported positive net income of $54 million and Adjusted EBITDA of $230 million (a 22% margin). Q4 2025 total revenue was $296 million, with positive net income of $19 million.
- Originations grew 86% in 2025, driven by 75% growth in personal loans and 5x growth in auto and home originations. The company reduced loans on its balance sheet by 20% in Q4, with 70% of Q4 auto and home loans funded by third parties.
- For 2026, Upstart projects total revenues of approximately $1.4 billion and an Adjusted EBITDA margin of approximately 21%. The company targets a 35% compound annual growth rate for 2025-2028, aiming for a 25% Adjusted EBITDA margin by 2028.
Feb 10, 2026, 9:30 PM
Upstart Announces Leadership Evolution
UPST
CEO Change
CFO Change
Management Change
- Paul Gu, Co-founder and Chief Technology Officer, will become Upstart’s Chief Executive Officer on May 1, 2026, while current CEO Dave Girouard will remain Executive Chairman.
- Sanjay Datta has been named President and Chief Capital Officer, effective immediately.
- Andrea Blankmeyer will join Upstart as CFO in March, and Grant Schneider returns as CTO.
- Upstart will host a live Q&A session on February 10, 2026, to discuss this leadership evolution and its Fourth Quarter and Full Year 2025 financial results.
Feb 10, 2026, 9:04 PM
Upstart Holdings, Inc. Announces Q4 and Full Year 2025 Results and Leadership Evolution
UPST
Earnings
Guidance Update
Management Change
- Upstart Holdings, Inc. reported Q4 2025 total revenue of $296 million, a 35% year-over-year increase, and full-year 2025 total revenue of $1.0 billion, up 64% year-over-year.
- The company achieved net income of $18.6 million for Q4 2025 and $53.6 million for full-year 2025, significantly improving from prior-year losses. Diluted net income per share was $0.17 for Q4 2025 and $0.45 for full-year 2025.
- Total originations for Q4 2025 were approximately $3.2 billion, up 52% year-over-year, contributing to $11.0 billion in originations for the full year 2025, an 86% year-over-year increase.
- For full-year 2026, Upstart expects total revenue of approximately $1.4 billion and an Adjusted EBITDA Margin of approximately 21%, while also announcing that Co-founder Paul Gu will become CEO on May 1st.
Feb 10, 2026, 9:03 PM
Quarterly earnings call transcripts for Upstart Holdings.
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