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$30.43 -0.54 (-1.74%) At close · Aug 14
Market Cap
$2.83B
Shares
97.31M

Upstart Holdings, Inc. Earnings Call Transcripts

Every quarterly earnings call for Upstart Holdings, Inc. (UPST) — the full transcript with speaker labels, the audio replay, AI call highlights and a management-tone score, plus the matching 8-K earnings release and the quarter's 10-Q or 10-K. Investor days and conferences appear here too.

Revenue & result across quarters

Revenue Net income YoY up YoY down artefacts
▼31.2% $157.23M −$56.22M '22 Q3 22-11-08 ▼51.8% $146.91M −$55.26M '22 Q4 23-02-14 ▼66.8% $102.93M −$129.25M '23 Q1 23-05-09 ▼40.5% $135.77M −$28.16M '23 Q2 23-08-08 ▼14.4% $134.56M −$40.31M '23 Q3 23-11-07 ▼4.5% $140.31M −$42.40M '23 Q4 24-02-13 ▲24.2% $127.79M −$64.60M '24 Q1 24-05-07 ▼6% $127.63M −$54.47M '24 Q2 24-08-06 ▲20.5% $162.14M −$6.76M '24 Q3 24-11-07 ▲56.1% $218.96M −$2.75M '24 Q4 25-02-11 ▲67% $213.37M −$2.45M '25 Q1 25-05-06 ▲101.6% $257.29M $5.61M '25 Q2 25-08-05 ▲70.9% $277.11M $31.80M '25 Q3 25-11-04 ▲35.2% $296.09M $18.64M '25 Q4 26-02-10 ▲44.4% $308.21M −$6.65M '26 Q1 26-05-05 LATEST ▲41.7% $364.71M $16.54M '26 Q2 26-08-04
Earnings call
FY26 · Q2
2026-08-04
Upstart Network, Inc. Second Quarter 2026 Earnings Conference Call
Confident tone Secured products (home and auto) progress Macro environment sensitivity Capital efficiency and balance sheet
Revenue
$364.71M
▲ 41.7% YoY
Diluted EPS
$0.16
▲ 220% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Conference
Investor event
2026-06-10
Paul Gu Fireside Chat at the Morgan Stanley US Financials Conference
No reported result — non-financial event
Audio Transcript Slides
Earnings call
FY26 · Q1
2026-05-05
Upstart Holdings, Inc. Q1 FY2026 Earnings Call
Confident tone Core personal loans growth and profitability Mix shift toward prime borrowers and risk retention Auto loan product expansion
Revenue
$308.21M
▲ 44.4% YoY
Diluted EPS
$-0.07
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q4
2026-02-10
Upstart Holdings, Inc. Q4 FY2025 Earnings Call
Balanced tone Sales/Delivery Channels Loan Size & Unit Economics Margin/Contribution Outlook
Revenue
$296.09M*
▲ 35.2% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY25 · Q3
2025-11-04
Upstart Holdings, Inc. Q3 FY2025 Earnings Call
Confident tone Macroeconomic conditions and UMI Transaction volume and conversion rate Home equity / HELOC business
Revenue
$277.11M
▲ 70.9% YoY
Diluted EPS
$0.23
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q2
2025-08-05
Upstart Holdings, Inc. Q2 FY2025 Earnings Call
Confident tone Small dollar loans and emerging products Home (HELOC) business Originations and conversion
Revenue
$257.29M
▲ 101.6% YoY
Diluted EPS
$0.05
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q1
2025-05-06
Upstart Holdings, Inc. Q1 FY2025 Earnings Call
Confident tone Auto Lending Growth Personal Loan Originations and Model Improvements Profitability and Financial Performance
Revenue
$213.37M
▲ 67% YoY
Diluted EPS
$-0.03
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q4
2025-02-11
Upstart Holdings, Inc. Q4 FY2024 Earnings Call
Confident tone Macro environment and UMI Origination and revenue growth HELOC product expansion
Revenue
$218.96M*
▲ 56.1% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY24 · Q3
2024-11-07
Upstart Holdings, Inc. Q3 FY2024 Earnings Call
Confident tone Core Personal Loan Growth & Model 18 Funding Supply & Partnerships Macroeconomic Backdrop
Revenue
$162.14M
▲ 20.5% YoY
Diluted EPS
$-0.07
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q2
2024-08-06
Upstart Holdings, Inc. Q2 FY2024 Earnings Call
Confident tone Macro and credit risk AI and model improvements HELOC / Home equity
Revenue
$127.63M
▼ 6% YoY
Diluted EPS
$-0.62
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q1
2024-05-07
Upstart Holdings, Inc. Q1 FY2024 Earnings Call
Positive tone Credit environment and macro headwinds HELOC / home equity product Small dollar loan
Revenue
$127.79M
▲ 24.2% YoY
Diluted EPS
$-0.74
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q4
2024-02-13
Upstart Holdings, Inc. Q4 FY2023 Earnings Call
Positive tone Personal Loan Product Enhancements Efficiency and Cost Management Automation and Fast Track
Revenue
$140.31M*
▼ 4.5% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY23 · Q3
2023-11-07
Upstart Holdings, Inc. Q3 FY2023 Earnings Call
Revenue
$134.56M
▼ 14.4% YoY
Diluted EPS
$-0.48
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q2
2023-08-08
Upstart Holdings, Inc. Q2 FY2023 Earnings Call
Revenue
$135.77M
▼ 40.5% YoY
Diluted EPS
$-0.34
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q1
2023-05-09
Upstart Holdings, Inc. Q1 FY2023 Earnings Call
Revenue
$102.93M
▼ 66.8% YoY
Diluted EPS
$-1.58
▼ 564.7% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q4
2023-02-14
Upstart Holdings, Inc. Q4 FY2022 Earnings Call
Revenue
$146.91M*
▼ 51.8% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY22 · Q3
2022-11-08
Upstart Holdings, Inc. Q3 FY2022 Earnings Call
Revenue
$157.23M
▼ 31.2% YoY
Diluted EPS
$-0.69
▼ 330% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q2
2022-07-08
Upstart Holdings, Inc. Q2 FY2022 Earnings Call
Revenue
$228.16M
▲ 17.6% YoY
Diluted EPS
$-0.36
▼ 192.3% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q1
2022-05-09
Upstart Holdings, Inc. Q1 FY2022 Earnings Call
Revenue
$310.14M
▲ 155.6% YoY
Diluted EPS
$0.34
▲ 209.1% YoY
Rev · 7q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q4
2022-02-15
Upstart Holdings, Inc. Q4 FY2021 Earnings Call
Revenue
$304.85M*
▲ 251.6% YoY
Rev · 6q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY21 · Q3
2021-11-09
Upstart Holdings, Inc. Q3 FY2021 Earnings Call
Revenue
$228.45M
▲ 249.5% YoY
Diluted EPS
$0.30
▲ 200% YoY
Rev · 6q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q2
2021-08-10
Upstart Holdings, Inc. Q2 FY2021 Earnings Call
Revenue
$193.95M
▲ 1017.7% YoY
Diluted EPS
$0.39
Rev · 5q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q1
2021-05-11
Upstart Holdings, Inc. Q1 FY2021 Earnings Call
Revenue
$121.34M
▲ 89.6% YoY
Diluted EPS
$0.11
Rev · 4q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY20 · Q4
2021-03-17
Upstart Holdings, Inc. Q4 FY2020 Earnings Call
Revenue
$86.71M*
Rev · 3q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Showing 1–24 of 24 earnings calls
Key facts CIK 1647639 CUSIP 91680M107 13F (30d) 349 filings 339 filers Visit website Investor relations

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