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Upstart Holdings, Inc. UPST Q2 2025 earnings

Reported August 5, 2025 · After market close

Revenue$257.3MMiss by $23.7M
EPS$0.36Beat by $0.09
Revenue estimate$281.0M
EPS estimate$0.27

Next report

Nov 3, 2026 (in 2 months)
Revenue estimate$365.2M
EPS estimate$0.60

Financials

Q2 2025

Income statement

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Revenue$257.3M+102%
Operating income$4.5M+108%
Net income$5.6M+110%
EPS (diluted)$0.05+108%

Balance sheet

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Cash & equivalents$701.5M+87.2%
Total debt$1.5B+51.9%
Total equity$722.0M+21.4%
Total assets$2.5B+36.1%

Cash flow

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Operating cash flow-$120.2M-263%
CapEx$115.0K+211%
Free cash flow-$120.3M-264%

Valuation & ratios

Valuation

as of 06/30/25
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Market cap$6.17B+198%
Enterprise value$6.94B+160%
P/S7.2×+3.3×

Profitability

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Operating margin-5.9%-2.7pp
Net margin-0.7%-0.4pp

Returns & leverage

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Return on equity-1%-0.5pp
Debt / equity2×+0.4×

FAQ

When did Upstart Holdings, Inc. report Q2 2025 earnings?
Upstart Holdings, Inc. (UPST) reported Q2 2025 earnings on August 5, 2025 after market close.
What were Upstart Holdings, Inc.'s Q2 2025 revenue and EPS?
Upstart Holdings, Inc. reported revenue of $257.3M and eps of $0.36 for Q2 2025.
Did Upstart Holdings, Inc. beat estimates in Q2 2025?
Revenue missed the consensus estimate of $281.0M by $23.7M. EPS beat the consensus estimate of $0.27 by $0.09.
How did Upstart Holdings, Inc.'s Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 101.6% from $127.6M a year earlier.
Where can I find Upstart Holdings, Inc.'s Q2 2025 SEC filings?
You can read the 8-K earnings release (0001647639-25-000091) and the 10-Q periodic report (0001647639-25-000092) directly on SEC EDGAR. The filing index links above go to sec.gov.