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Upstart Holdings (UPST)
NASDAQ:UPST
Earnings Data
Report Date
May 13, 2025TBA Not Confirmed
Period Ending
2025 (Q1)Consensus EPS Forecast
0.17Last Year’s EPS
-0.31Same Quarter Last Year
Based on 13 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Feb 11, 2025
|% Change Since: -22.84%
|Next Earnings Date:May 13, 2025
Earnings Call Sentiment|Positive
Upstart demonstrated strong growth in revenue and origination volumes with significant product and model innovations. Financial performance showed improvements with positive adjusted EBITDA, although GAAP profitability was not achieved. Funding commitments increased, supporting future growth. However, elevated loan prices and increased stock-based compensation expenses presented challenges.Company Guidance
During the earnings call for the fourth quarter and full year 2024, Upstart presented a robust financial performance, highlighting significant growth across various metrics. The company reported a 33% sequential increase in origination volume and a 35% rise in revenue for Q4, translating to a 68% year-over-year growth in originations and 56% in revenue. Their auto and HELOC product categories experienced approximately 60% sequential growth, while the small-dollar relief product surged by 115% quarter-on-quarter. These achievements contributed to a total net revenue of $219 million for Q4, marking a 56% increase year-on-year. The company also achieved a positive adjusted EBITDA of $39 million for the quarter, with a contribution margin of 61%. Upstart outlined its strategic priorities for 2025, aiming to 10x its leadership in AI and return to GAAP net income profitability by the second half of the year.Strong Revenue and Origination Growth
In Q4, origination volume grew 33% and revenue grew 35% sequentially. Year-over-year growth was 68% for originations and 56% for revenue.
Significant Product Growth
Auto and HELOC originations grew by about 60% sequentially, with small-dollar relief products growing 115% quarter-on-quarter.
Model Innovations Boosting Accuracy
Launch of Model 19 with Payment Transition Model (PTM) capability, improving model accuracy by considering intermediate delinquency states.
Improved Financial Metrics
Positive adjusted EBITDA for two consecutive quarters, with Q4 adjusted EBITDA at $39 million and adjusted earnings per share of $0.26.
Increased Funding Commitments
Upsized commitments by $1.3 billion with capital partners and secured a $150 million personal loan warehouse facility.
High Automation in Loan Processing
Fully automated loans reached 91%, improving operational efficiency and processing speed.
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UPST 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
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UPST Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Feb 11, 2025 | $67.34 | $88.77 | +31.82% |
| Nov 07, 2024 | $55.47 | $81.00 | +46.02% |
| Aug 06, 2024 | $23.87 | $33.30 | +39.51% |
| May 07, 2024 | $24.47 | $23.11 | -5.56% |
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.
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FAQ
When does Upstart Holdings (UPST) report earnings?
Upstart Holdings (UPST) is schdueled to report earning on May 13, 2025, TBA Not Confirmed.
What is Upstart Holdings (UPST) earnings time?
Upstart Holdings (UPST) earnings time is at May 13, 2025, TBA Not 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 UPST EPS forecast?
UPST EPS forecast for the fiscal quarter 2025 (Q1) is 0.17.
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