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Upstart Holdings, Inc. UPST Q4 2025 Annual earnings

Reported February 10, 2026 · After market close

Revenue$296.1MBeat by $7.6M
EPS$0.46Miss by $0.01
Revenue estimate$288.5M
EPS estimate$0.47

Next report

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

Financials

Q4 2025

Income statement

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Revenue$296.1M+35.2%
Operating income$18.9M+498%
Net income$18.6M+776%
EPS (diluted)$0.17+950%

Balance sheet

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Cash & equivalents$1.1B+8.3%
Total debt$1.9B+27.4%
Total equity$798.8M+26.2%
Total assets$3.0B+25.7%

Cash flow

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CapEx$157.0K—

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$4.25B-24.3%
Enterprise value$5.05B-17.2%
P/E79.4×—
P/S4.1×-4.7×

Profitability

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Operating margin4.1%+2.2pp
Net margin5.1%+2.9pp

Returns & leverage

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Return on equity7.5%+4.3pp
Debt / equity2.3×0.0×

FAQ

When did Upstart Holdings, Inc. report Q4 2025 earnings?
Upstart Holdings, Inc. (UPST) reported Q4 2025 earnings on February 10, 2026 after market close.
What were Upstart Holdings, Inc.'s Q4 2025 revenue and EPS?
Upstart Holdings, Inc. reported revenue of $296.1M and eps of $0.46 for Q4 2025.
Did Upstart Holdings, Inc. beat estimates in Q4 2025?
Revenue beat the consensus estimate of $288.5M by $7.6M. EPS missed the consensus estimate of $0.47 by $0.01.
How did Upstart Holdings, Inc.'s Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 40.1% from $211.3M a year earlier and eps grew 76.9% from $0.26.
Where can I find Upstart Holdings, Inc.'s Q4 2025 SEC filings?
You can read the 8-K earnings release (0001647639-26-000025) and the 10-K periodic report (0001647639-26-000027) directly on SEC EDGAR. The filing index links above go to sec.gov.