What is the most recent earnings date for UPST stock?
UPSTART HOLDINGS INC (UPST) last reported earnings on 2/10/2026.
UPSTART HOLDINGS INC (UPST) Earnings History & Surprises
NASDAQ:UPST • US91680M1071
Current stock price
27.41 USD
+0.1 (+0.37%)
At close:
27.4907 USD
+0.08 (+0.29%)
After Hours:
UPST Earnings overview
Past quarterly earnings results for UPSTART HOLDINGS INC (UPST), including EPS and revenue actuals, analyst estimates, and surprise percentages. This page focuses on historical performance (not forecasts).
Earnings Snapshot
Next Earnings Date
Upcoming- Release Date
- May 4, 2026
- Period
- Q1 / 2026
- EPS Estimate
- $0.38
- Revenue Estimate
- 305.72M
Last Reported
Most Recent- Release Date
- Feb 10, 2026
- Period
- Q4 / 2025
- EPS Reported
- $0.46
- EPS Surprise
- -2.10%
- Revenue Surprise
- 0.53%
Beat Rate
Last 8 Quarters 88%
EPS and Revenue beats vs estimates
Quarterly Earnings Historical Results
EPS & Revenue History (in USD): Actual vs estimated values, surprises, q2q growth and acceleration numbers quarterly history.
| Quarter | EPS | EPS Est | EPS Surprise | EPS Q2Q | Revenue | Revenue Est | Revenue Surprise | Revenue Q2Q |
|---|---|---|---|---|---|---|---|---|
| Q4 2025 | 0.46 | 0.47 | -2.10% | 76.92% | 296M | 294.45M | 0.53% | 48.54% |
| Q3 2025 | 0.52 | 0.43 | 20.91% | 966.67% | 277.105M | 285.22M | -2.85% | 65.35% |
| Q2 2025 | 0.36 | 0.26 | 37.87% | 311.76% | 257.291M | 229.88M | 11.92% | 101.59% |
| Q1 2025 | 0.30 | 0.18 | 69.47% | 196.77% | 213.371M | 203.48M | 4.86% | 66.96% |
| Q4 2024 | 0.26 | -0.05 | 667.46% | 336.36% | 199.276M | 185.73M | 7.29% | 30.38% |
| Q3 2024 | -0.06 | -0.15 | 59.83% | -20.00% | 167.59M | 153.23M | 9.37% | 24.55% |
| Q2 2024 | -0.17 | -0.40 | 57.52% | -383.33% | 127.63M | 127.03M | 0.47% | -5.99% |
| Q1 2024 | -0.31 | -0.39 | 21.24% | 34.04% | 127.794M | 127.36M | 0.34% | 24.16% |
| Q4 2023 | -0.11 | -0.14 | 23.74% | 56.00% | 152.846M | 137.59M | 11.09% | 4.04% |
| Q3 2023 | -0.05 | -0.02 | -200.73% | 79.17% | 134.557M | 143.07M | -5.95% | -14.42% |
| Q2 2023 | 0.06 | -0.07 | 186.09% | 500.00% | 135.766M | 138M | -1.62% | -40.50% |
| Q1 2023 | -0.47 | -0.83 | 43.04% | -177.05% | 102.927M | 111.14M | -7.39% | -66.81% |
| Q4 2022 | -0.25 | -0.48 | 48.21% | -128.09% | 146.913M | 136.26M | 7.82% | -51.81% |
| Q3 2022 | -0.24 | -0.08 | -185.69% | -140.00% | 157.233M | 172.81M | -9.01% | -31.17% |
| Q2 2022 | 0.01 | 0.10 | -90.20% | -98.39% | 228.162M | 246.46M | -7.42% | 17.64% |
| Q1 2022 | 0.61 | 0.52 | 17.07% | 177.27% | 310.136M | 306.13M | 1.31% | 155.58% |
| Q4 2021 | 0.89 | 0.52 | 71.69% | 1,171.43% | 304.848M | 268.1M | 13.71% | 251.57% |
| Q3 2021 | 0.60 | 0.34 | 76.84% | - | 228.45M | 219.19M | 4.22% | 249.53% |
| Q2 2021 | 0.62 | 0.25 | 146.95% | - | 193.946M | 160.91M | 20.53% | 1,017.65% |
| Q1 2021 | 0.22 | 0.15 | 44.27% | - | 121.345M | 118.38M | 2.50% | 89.62% |
| Q4 2020 | 0.07 | 0.02 | 303.69% | - | 86.71M | 74.935M | 15.71% | - |
| Q3 2020 | - | - | 65.359M | - | - | |||
| Q2 2020 | - | - | 17.353M | - | - | |||
| Q1 2020 | - | - | 63.994M | - | - |
Notes
- EPS and Revenue values are non-GAAP when available, otherwise GAAP.
- Surprise % is (Actual - Estimate) / |Estimate|. Green indicates positive surprise, red negative.
- Q2Q % is quarter-over-quarter growth. Green indicates growth, red indicates decline.
- Green right border indicates acceleration for sales or earnings growth. Acceleration is the case when the current Q2Q is above the previous Q2Q.
Earnings Q2Q Performance Trends
EPS Historical Q2Q growth and Acceleration
Revenue Historical Q2Q growth and Acceleration
Surprise distribution (Last 4 Quarters)
EPS beat statistics
EPS beat (4)
3
Average EPS beat (4)
31.54%
Max EPS beat (4)
69.47%
Min EPS beat (4)
-2.10%
Revenue beat statistics
Revenue beat (4)
3
Average Revenue beat (4)
3.62%
Max Revenue beat (4)
11.92%
Min Revenue beat (4)
-2.85%
Analysis
In the last 4 quarters, UPST has beaten EPS estimates in 3 out of 4 releases
UPST has beaten revenue estimates in 3 out of the last 4 releases
In the last 4 quarters, UPST has beaten the EPS estimates by 31.5% on average.
In the last 4 quarters, UPST has beaten the revenue estimates by 3.6% on average.
Related analysis
UPSTART HOLDINGS INC / UPST Earnings FAQ
Did UPSTART HOLDINGS INC (UPST) beat earnings estimates last quarter?
UPSTART HOLDINGS INC (UPST) missed EPS estimates and beat revenue estimates in the most recent quarter.
What percentage of the time does UPST stock beat earnings estimates?
In the last 4 quarters, UPSTART HOLDINGS INC (UPST) has beaten EPS estimates in 3 out of 4 releases.