Education
About Us
Working with TipRanks
Follow Us
Upstart Holdings (UPST)
NASDAQ:UPST
Earnings Data
Report Date
Aug 12, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
0.24Last Year’s EPS
-0.17Same Quarter Last Year
Moderate Buy
Based on 13 Analysts Ratings
---
Earnings Call Summary
Earnings Call Date:May 06, 2025
|% Change Since: 0.00%
|Next Earnings Date:Aug 12, 2025
Earnings Call Sentiment|Positive
The earnings call highlights robust revenue and origination growth, with significant advancements in AI technology and new capital partnerships. However, challenges include a decline in contribution margins and a GAAP net loss. Despite macroeconomic uncertainties, the company expresses optimism about future growth and technological leadership.Company Guidance
In the first quarter of 2025, Upstart reported strong financial metrics with platform originations increasing by 89% year-on-year and revenue growing by 67%. The company achieved an Adjusted EBITDA margin of 20%, the highest in three years, and was close to reaching GAAP profitability as fees accounted for 87% of revenue. Upstart saw significant growth in its Home and Auto sectors, with originations growing by 52% and 42% sequentially, respectively. The Upstart Macro Index indicated stable consumer financial health, and credit performance remained solid. The personal loan segment experienced an 83% year-over-year increase in originations, with conversion rates rising from 14% to 19%. Technological advancements, such as the introduction of embeddings in their underwriting model, have enhanced model accuracy and credit decision-making. Upstart projected total revenues of approximately $1.01 billion for 2025, with an adjusted EBITDA margin of approximately 19%, and anticipated a return to GAAP net income profitability in the latter half of the year.Strong Revenue Growth
First quarter revenue grew 67% year-over-year, reaching approximately $213 million.
Platform Originations Surge
Platform originations increased by 89% year-over-year, with significant contributions from model improvements and borrower health.
Improved Conversion Rates
Conversion rates increased from 14% a year ago to 19% in Q1 2025.
Auto Lending Growth
Upstart's auto lending grew almost 5X compared to a year ago, with originations up 42% sequentially.
HELOC Expansion
HELOC originations grew 52% quarter over quarter and more than 6X compared to a year ago.
Advancements in AI Technology
Introduction of embeddings in AI models for better credit performance prediction, enhancing model accuracy.
Fortress Capital Partnership
Signed a committed capital arrangement with Fortress, adding significant funding capacity.
---
UPST 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
---
UPST Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| May 06, 2025 | $51.40 | ― | ― |
| Feb 11, 2025 | $67.34 | $88.77 | +31.82% |
| Nov 07, 2024 | $55.47 | $81.00 | +46.02% |
| Aug 06, 2024 | $23.87 | $33.30 | +39.51% |
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 Aug 12, 2025, TBA Not Confirmed.
What is Upstart Holdings (UPST) earnings time?
Upstart Holdings (UPST) earnings time is at Aug 12, 2025, TBA Not 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 (Q2) is 0.24.
---
