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Upstart Holdings (DE:855)
FRANKFURT:855
Earnings Data
Report Date
Feb 17, 2026After Close (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
0.38Last Year’s EPS
0.22Same Quarter Last Year
Moderate Buy
Based on 13 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
Upstart's Q3 earnings call highlighted strong financial performance, significant growth in transaction volume, and progress in new product segments. However, conservative model adjustments and macroeconomic caution led to reduced conversion rates and a slight shortfall in transaction revenue expectations.Company Guidance
Strong Revenue and Profit Growth
Upstart reported a 71% year-on-year revenue growth, reaching $277 million for Q3 2025. The company's GAAP net income grew by a factor of 6 over the prior quarter, with GAAP earnings per share at $0.23.
Surge in Transaction Volume and Applications
Transaction volume increased by 80% year-on-year, with more than 2 million applications submitted in Q3, marking a 30% increase from Q2. Q3 also recorded the highest application levels in more than 3 years.
Growth in New Product Segments
Newer products like auto, home, and small-dollar loans accounted for almost 12% of originations and 22% of new borrowers in Q3. Transaction volume for these segments grew by around 300% year-on-year.
Expansion in Auto Retail Business
The auto retail business more than doubled the number of live lending rooftops in Q3, with transaction volume growing over 70% sequentially.
Strong Position in Funding and Partnerships
Upstart added 7 new bank and credit union partners and reached a new all-time high in monthly available funding. The company also issued an oversubscribed securitization in September.
DE:855 Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
DE:855 Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Nov 04, 2025 | €39.10 | €35.32 | -9.68% |
Aug 05, 2025 | €70.59 | €58.60 | -16.99% |
May 06, 2025 | €45.20 | €40.78 | -9.77% |
Feb 11, 2025 | €66.70 | €86.50 | +29.69% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Upstart Holdings (DE:855) report earnings?
Upstart Holdings (DE:855) is schdueled to report earning on Feb 17, 2026, After Close (Confirmed).
What is Upstart Holdings (DE:855) earnings time?
Upstart Holdings (DE:855) earnings time is at Feb 17, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is the P/E ratio of Upstart Holdings stock?
The P/E ratio of Upstart Holdings is N/A.
What is DE:855 EPS forecast?
DE:855 EPS forecast for the fiscal quarter 2025 (Q4) is 0.38.
