Upstart Holdings Inc[1]
NASDAQ NMS - GLOBAL MARKET · Financial Services · mkt cap $2.74B
$28.11[4]
unavailable
Historical dataset includes 8 EPS quarters for beat/miss context.
| Metric | Actual | Estimate | Surprise | Verdict |
|---|---|---|---|---|
| Revenue | $308.21M[6+] | $364.39M[2] | -15.4% | |
| EPS | unavailable | $0.68[2] | unavailable | |
| Guidance | unavailable | |||
Event-window market reaction unavailable.
No evidence-backed AI interpretation is available for this report.
AI interpretation was not requested for this report.
| Quarter | Reported | Revenue | EPS | Gross margin | Op. margin | Net income |
|---|---|---|---|---|---|---|
| Q1 | May 5, 2026 | actual: $308.21M[6]est.: $303.4M[2]surp.: +1.6%[2+] | actual: $0.30[3]est.: $0.43[3]surp.: -30.2%[3] | 98.1%[6] | -2.4%[6] | $-6.65M[6] |
| Q4 |
| Feb 10, 2026 |
actual: $304.17M[6]est.: $288.56M[2]surp.: +5.4%[2+] |
actual: $0.50[3]est.: $0.46[3]surp.: +8.7%[3] |
| 90.8%[6] |
| 6.3%[6] |
| $18.64M[6] |
| Q3 | Nov 4, 2025 | actual: $285.9M[6]est.: $279.62M[2]surp.: +2.2%[2+] | actual: $0.52[3]est.: $0.42[3]surp.: +23.8%[3] | 96.9%[6] | 11.2%[6] | $31.81M[6] |
| Q2 | Aug 5, 2025 | actual: $265.06M[6]est.: $225.4M[2]surp.: +17.6%[2+] | actual: $0.36[3]est.: $0.25[3]surp.: +44.0%[3] | 97.1%[6] | 2.1%[6] | $5.61M[6] |
| Q1 | May 6, 2025 | actual: $220.39M[6]est.: $201.26M[2]surp.: +9.5%[2+] | actual: $0.30[3]est.: $0.17[3]surp.: +76.5%[3] | 96.8%[6] | -1.1%[6] | $-2.45M[6] |
| Q4 | Feb 11, 2025 | actual: $226.4M[6]est.: $181.92M[2]surp.: +24.4%[2+] | actual: $0.26[3]est.: $-0.04[3]surp.: +750.0%[3] | 93.3%[6] | -1.2%[6] | $-2.76M[6] |
| Q3 | Nov 7, 2024 | actual: $172.96M[6]est.: $150.22M[2]surp.: +15.1%[2+] | actual: $-0.06[3]est.: $-0.15[3]surp.: +60.0%[3] | 93.7%[6] | -3.9%[6] | $-6.76M[6] |
| Q2 | Aug 6, 2024 | actual: $139.1M[6]est.: $124.54M[2]surp.: +11.7%[2+] | actual: $-0.17[3]est.: $-0.39[3]surp.: +56.4%[3] | 91.8%[6] | -39.1%[6] | $-54.47M[6] |
Sourced actuals only
vs. prior quarter +1.3%
| Field | Current | Prior quarter | Change |
|---|---|---|---|
| Revenue | $308.21M[6+] | $304.17M[6+] | +1.3% |
| EPS | unavailable | $0.30[2+] | unavailable |
| Gross margin | 98.1%[6+] | 90.8%[6+] | +8.0% |
| Guidance | unavailable | — | unavailable |
| Management tone | unavailable | — | — |
| Period | Reported | Rev act / est | EPS act / est | 1d | 5d |
|---|---|---|---|---|---|
| 2026-03-31 | May 5, 2026 | unavailable / $303.4M[2+] | $0.30[2+] / $0.43[2+] | unavailable | unavailable |
| 2025-12-31 | Feb 10, 2026 | unavailable / $288.56M[2+] | $0.50[2+] / $0.46[2+] | unavailable | unavailable |
| 2025-09-30 | Nov 4, 2025 | unavailable / $279.62M[2+] | $0.52[2+] / $0.42[2+] | unavailable | unavailable |
| 2025-06-30 | Aug 5, 2025 | unavailable / $225.4M[2+] | $0.36[2+] / $0.25[2+] | unavailable | unavailable |
| 2025-03-31 | May 6, 2025 | unavailable / $201.26M[2+] | $0.30[2+] / $0.17[2+] | unavailable | unavailable |
| 2024-12-31 | Feb 11, 2025 | unavailable / $181.92M[2+] | $0.26[2+] / $-0.04[2+] | unavailable | unavailable |
| 2024-09-30 | Nov 7, 2024 | unavailable / $150.22M[2+] | $-0.06[2+] / $-0.15[2+] | unavailable | unavailable |
| 2024-06-30 | Aug 6, 2024 | unavailable / $124.54M[2+] | $-0.17[2+] / $-0.39[2+] | unavailable | unavailable |
unavailable
Nothing flagged from available data.
Transcript unavailable
No earnings-call transcript for this event. Management tone, guidance language, and Q&A pressure analysis are withheld — QVeris does not infer call intelligence without the underlying transcript.
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QVeris · get_earnings_estimates · retrieved 2026-07-23 13:39 UTC
QVeris · get_historical_earnings · retrieved 2026-07-23 13:39 UTC
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QVeris · get_revenue_segments · retrieved 2026-07-23 13:39 UTC
QVeris · get_income_statement · retrieved 2026-07-23 13:39 UTC
QVeris · get_balance_sheet · retrieved 2026-07-23 13:39 UTC
QVeris · get_cash_flow · retrieved 2026-07-23 13:39 UTC
QVeris · get_financial_news · retrieved 2026-07-23 13:39 UTC
QVeris · get_sec_filings · retrieved 2026-07-23 13:39 UTC
Missing: calendar, results, transcript, revisions