UPST Stock: Price, Earnings History and SEC Filings
Upstart Holdings, Inc. (UPST) last traded at $23.02, down 7.33% on the latest session and up 0.1% over the past month. In its most recent reported quarter (Jun 2026) earnings per share were $0.18 against an analyst estimate of $0.30, a miss of 40.0%.
Price data from Yahoo Finance, as of Oct 30, 2026. May be delayed.
UPST earnings history
| Quarter | Reported | EPS | Estimate | Surprise |
|---|---|---|---|---|
| Jun 2026 | Aug 4, 2026 | $0.18 | $0.30 | -40.00% |
| Mar 2026 | May 5, 2026 | $-0.07 | $0.20 | -135.00% |
| Dec 2025 | Feb 10, 2026 | $0.17 | $0.17 | +0.00% |
| Sep 2025 | Nov 4, 2025 | $0.20 | $0.09 | +122.22% |
UPST beat the analyst EPS estimate in 1 of its last 4 reported quarters. Source: Nasdaq.
How UPST reacts to earnings
Across its last 8 earnings releases, UPST moved 17.4% on average the next session, in either direction. It rose after 2 of 8 reports.
| Report date | Released | Next-session move |
|---|---|---|
| 2026-08-04 | After close | -0.40% |
| 2026-05-05 | After close | -7.92% |
| 2026-02-10 | After close | -15.04% |
| 2025-11-04 | After close | -9.71% |
| 2025-08-05 | After close | -18.74% |
| 2025-05-06 | After close | -9.65% |
| 2025-02-11 | After close | +31.82% |
| 2024-11-07 | After close | +46.02% |
Based on the dates of earnings-release 8-K filings (SEC EDGAR) and daily closing prices (Yahoo Finance). Past reactions do not predict future ones.
UPST financial history
| Fiscal year | Revenue | Net income | Free cash flow | Net margin | Diluted EPS |
|---|---|---|---|---|---|
| 2025 | $1.0B | $54M | -$148M | 5.1% | $0.45 |
| 2024 | $637M | -$129M | $185M | -20.2% | $-1.44 |
| 2023 | $514M | -$240M | -$113M | -46.8% | $-2.87 |
| 2022 | $842M | -$109M | -$667M | -12.9% | $-1.31 |
| 2021 | $849M | $135M | $160M | 16.0% | $1.43 |
| 2020 | $233M | $6M | $14M | 2.6% | $0.00 |
| 2019 | $164M | -$466000 | $28M | -0.3% | $-0.03 |
Source: annual figures from 10-K filings on SEC EDGAR. The year shown is the calendar year the fiscal year ended. Free cash flow is operating cash flow minus capital spending.
Latest SEC filings for UPST
- 8-K · Oct 20, 2026Material agreement, New financial obligation
- 10-Q · Aug 4, 2026
- 8-K · Aug 4, 2026Results of operations, Financial statements and exhibits
- 8-K · May 28, 2026Shareholder vote
- 8-K · May 19, 2026Officer or director change, Financial statements and exhibits
- 10-Q · May 5, 2026
- 8-K · May 5, 2026Results of operations, Financial statements and exhibits
- DEF 14A · Apr 16, 2026
- 8-K · Mar 10, 2026Other events, Financial statements and exhibits
- 8-K · Feb 19, 2026Other events, Financial statements and exhibits
Insider filing activity
UPST insiders filed 9 Form 4 reports in the last 90 days. A Form 4 is how directors and executives disclose purchases, sales and grants of company stock. See the individual filings on SEC EDGAR. Many Form 4 filings are routine, such as scheduled sales or option exercises, so check each filing before drawing a conclusion.
Source: SEC EDGAR.
UPST news
- Upstart stock: Paul Gu set for Citi FinTech ConferenceNov 1, 2026 · ad-hoc-news.de
- PGY Gains as Q3 Earnings Beat on Record Revenues, Raises 2026 ViewOct 30, 2026 · finance.yahoo.com
- Piper Sandler Companies (PIPR) Q3 Earnings and Revenues Lag EstimatesOct 30, 2026 · finance.yahoo.com
- Happen Soars 12% on Earnings Beat and Raised Outlook: “We Continue to Outperform on Credit”Oct 29, 2026 · tikr.com
- FinWise Bancorp Q3 2026 Earnings Call SummaryOct 29, 2026 · app.moby.co
- Alerus (ALRS) Q3 Earnings and Revenues Beat EstimatesOct 28, 2026 · finance.yahoo.com
- Upstart Holdings, Inc. (UPST) Surpasses Market Returns: Some Facts Worth KnowingOct 28, 2026 · finance.yahoo.com
- SOFI Stock Rallies 13% After Earnings: Should You Buy or Hold?Oct 28, 2026 · finance.yahoo.com
About Upstart Holdings, Inc.
Upstart Holdings, Inc. (UPST) is a US-listed public company on Nasdaq. The SEC classifies its business as Finance Services. It is incorporated in DE. Its fiscal year ends in December.