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Upstart Holdings (DE:855)
FRANKFURT:855
Earnings Data
Report Date
Nov 11, 2025After Close (Confirmed)
Period Ending
2025 (Q3)Consensus EPS Forecast
0.36Last Year’s EPS
-0.05Same Quarter Last Year
Based on 9 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call for Upstart's second quarter of 2025 presented a largely positive outlook. The company achieved significant revenue growth and returned to GAAP profitability earlier than anticipated. Strong performance in the Auto and Home segments and advancements in AI models contributed to this success. However, increased balance sheet usage and challenges with fair value adjustments were noted as areas for improvement.Company Guidance
Triple-Digit Revenue Growth
Upstart achieved a 102% year-on-year revenue growth, reaching $257 million in total revenue for Q2 2025.
Return to GAAP Profitability
Upstart reached GAAP profitability a quarter sooner than expected, with a GAAP net income of $6 million for Q2 2025.
Record Loan Originations
Loan originations on the Upstart platform in Q2 were $2.8 billion, the highest volume in 3 years.
Strong Growth in Auto and Home Segments
The Auto business grew 87% sequentially, and the Home business grew 67% sequentially.
Model 22 Enhancements
Model 22 increased separation accuracy advantage by 17 percentage points, improving conversion rates from 19% in Q1 to 24% in Q2.
Improved Contribution Margins
Contribution margin improved to 58% in Q2, up 3 percentage points from the prior quarter.
DE:855 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
DE:855 Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Aug 05, 2025 | €70.59 | €58.60 | -16.99% |
May 06, 2025 | €45.20 | €40.78 | -9.77% |
Feb 11, 2025 | €66.70 | €86.50 | +29.69% |
Nov 07, 2024 | €52.00 | €73.08 | +40.54% |
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 (DE:855) report earnings?
Upstart Holdings (DE:855) is schdueled to report earning on Nov 11, 2025, After Close (Confirmed).
What is Upstart Holdings (DE:855) earnings time?
Upstart Holdings (DE:855) 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 the P/E ratio of Upstart Holdings stock?
The P/E ratio of Upstart Holdings is N/A.
What is DE:855 EPS forecast?
DE:855 EPS forecast for the fiscal quarter 2025 (Q3) is 0.36.
