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Upstart Holdings (UPST)
NASDAQ:UPST
US Market
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Upstart Holdings (UPST) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Nov 11, 2025
After Close (Confirmed)
Period Ending
2025 (Q3)
Consensus EPS Forecast
0.43
Last Year’s EPS
-0.06
Same Quarter Last Year
Based on 12 Analysts Ratings

Earnings Call Summary

Q2 2025
Earnings Call Date:Aug 05, 2025|
% Change Since: -22.43%|
Earnings Call Sentiment|Positive
The earnings call highlighted significant achievements, including remarkable revenue growth, a return to profitability, and strong performance in new product segments. While there are challenges such as increased loan balances and a competitive market, the positive aspects and advancements outweigh the concerns.
Company Guidance -
Q3 2025
During the second quarter of 2025, Upstart delivered outstanding performance, achieving triple-digit revenue growth of 102% year-over-year and reaching GAAP profitability a quarter earlier than expected. The company reported $257 million in total revenue, with $241 million from fees and $17 million from net interest income. Originations on the Upstart platform reached $2.8 billion, marking the highest volume in three years. The Auto business grew 87% sequentially, while the Home business grew 67% sequentially. Notably, the contribution margin improved to 58%, and conversion rates increased from 19% in Q1 to 24% in Q2, driven by the new Model 22 and operational improvements. Additionally, more than 10% of originations came from newer businesses, including small dollar loans, which grew 40% sequentially. Upstart's funding partnerships proved scalable, with expectations to reach a new all-time high for monthly available funding in Q3. The company also saw significant traction in its Auto Retail product and advances in its AI technology, aiming to enhance borrower rates and processes through innovations like instant property verification in HELOCs. Looking forward, Upstart anticipates continued robust growth and plans to transition most of its newer product funding to third-party sources by the end of 2025.
Exceptional Revenue Growth
Upstart achieved triple-digit revenue growth with a 102% year-on-year increase in Q2 2025, reaching $257 million in total revenue.
GAAP Profitability Achieved
Upstart returned to GAAP profitability a quarter earlier than anticipated, with a GAAP net income of $6 million in Q2 2025.
Strong Performance in Auto and Home Segments
The Auto business grew 87% sequentially, while the Home business grew 67% sequentially, both achieving significant acceleration.
Model 22 Advancements
Model 22 improved conversion rates from 19% in Q1 to 24% in Q2, contributing significantly to revenue growth.
Successful Funding and ABS Market Activity
Upstart priced and closed its second ABS deal of 2025 with significantly improved execution, and the number of investors nearly doubled.
Expansion in New Products
Small dollar loans and Auto each crossed $100 million in quarterly originations in Q2, with new products driving nearly 20% of new borrowers.
Operational Efficiency Improvements
Contribution margin improved to 58% in Q2, up 3 percentage points from the prior quarter, driven by take rate and unit cost improvements.

Upstart Holdings (UPST) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

UPST Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Nov 11, 2025
2025 (Q3)
0.43 / -
-0.06
Aug 05, 2025
2025 (Q2)
0.25 / 0.36
-0.17311.76% (+0.53)
May 06, 2025
2025 (Q1)
0.17 / 0.33
-0.31206.45% (+0.64)
Feb 11, 2025
2024 (Q4)
-0.04 / 0.26
-0.11336.36% (+0.37)
Nov 07, 2024
2024 (Q3)
-0.15 / -0.06
-0.05-20.00% (>-0.01)
Aug 06, 2024
2024 (Q2)
-0.39 / -0.17
0.06-383.33% (-0.23)
May 07, 2024
2024 (Q1)
-0.37 / -0.31
-0.4734.04% (+0.16)
Feb 13, 2024
2023 (Q4)
-0.14 / -0.11
-0.2556.00% (+0.14)
Nov 07, 2023
2023 (Q3)
-0.02 / -0.05
-0.2479.17% (+0.19)
Aug 08, 2023
2023 (Q2)
-0.07 / 0.06
0.01500.00% (+0.05)
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

UPST Earnings-Related Price Changes

Report Date
Price 1 Day Before
Price 1 Day After
Percentage Change
Aug 05, 2025
$82.62$67.14-18.74%
May 06, 2025
$51.40$46.44-9.65%
Feb 11, 2025
$67.34$88.77+31.82%
Nov 07, 2024
$55.47$81.00+46.02%
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 (UPST) report earnings?
Upstart Holdings (UPST) is schdueled to report earning on Nov 11, 2025, After Close (Confirmed).
    What is Upstart Holdings (UPST) earnings time?
    Upstart Holdings (UPST) earnings time is at Nov 11, 2025, 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 UPST EPS forecast?
          UPST EPS forecast for the fiscal quarter 2025 (Q3) is 0.43.

            Upstart Holdings (UPST) Earnings News

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