{"filings":[{"id":509358,"accession_number":"0001647639-26-000048","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2026-05-19T13:00:15+00:00","items":["5.02","9.01"],"status":"ready","headline":"Upstart appoints former Santander US CEO Tim Wennes to board; Jeff Huber resigns","event_type":"leadership","confidence":"high","bullets":["Tim Wennes elected to Upstart board as Class I director, effective May 28, 2026.","Wennes was President and CEO of Santander Holdings USA (2019-2025), overseeing $200B+ assets.","He brings 35+ years of financial services experience, including at MUFG Union Bank and Countrywide Bank.","Jeff Huber resigns from board effective May 28, 2026, not due to any disagreement with Upstart.","Huber served for five years; no committee replacement for his Nominating and Corporate Governance role."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":94376,"accession_number":"0001647639-26-000045","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2026-05-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Upstart Q1 revenue up 44% to $308M, net loss widens to $6.6M; FY guidance reaffirmed","event_type":"earnings","confidence":"high","bullets":["Total originations of $3.4B (+61% YoY); transaction volume of 425,356 loans (+77% YoY).","Revenue from fees of $277M (+49% YoY); contribution margin of 50% vs 55% in Q1 2025.","GAAP net loss per share ($0.07); adjusted EBITDA of $40.5M vs $42.6M in prior year.","Full-year 2026 outlook unchanged: total revenue ~$1.4B, adjusted EBITDA ~$294M (21% margin).","CEO Paul Gu highlights application for national bank charter and rapid growth in home and auto."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.07,"consensus_revenue_estimate":null,"consensus_revenue_actual":308214000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":106702,"accession_number":"0001647639-26-000036","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2026-03-10T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Upstart announces plan to apply for national bank charter","event_type":"regulatory","confidence":"high","bullets":["Upstart will apply to OCC and FDIC to establish an insured national bank, Upstart Bank, N.A., and to the Fed for bank holding company status.","Annie Delgado, Chief Risk Officer, is proposed CEO of Upstart Bank, N.A.","Charter aims to reduce operational, regulatory, and financial complexity and allow direct deposit funding.","Company states it will not compete with depository partners for local deposits; existing partners remain primary capital source.","Application subject to regulatory approval; no timeline or certainty provided."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":106701,"accession_number":"0001647639-26-000033","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2026-02-19T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Upstart repurchases $100M in common stock over four trading days","event_type":"other_material","confidence":"high","bullets":["Repurchased 3,193,294 shares at avg $31.31/share between Feb 12-18, 2026.","Program authorized at $400M; $122M remains after this $100M tranche.","Open-market purchases under board-authorized repurchase program."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":106700,"accession_number":"0001647639-26-000026","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2026-02-10T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Upstart names co-founder Paul Gu CEO effective May 1; Girouard becomes Executive Chairman","event_type":"leadership","confidence":"high","bullets":["Paul Gu (CTO, co-founder) becomes CEO May 1, 2026; Dave Girouard becomes Executive Chairman.","Sanjay Datta appointed President and Chief Capital Officer effective immediately; steps down as CFO on March 16, 2026.","Andrea Blankmeyer (ex-Cityblock Health CFO) named CFO effective March 16, 2026; $450K salary, $5M RSUs, $6M PRSUs.","Gu receives $540K salary, 100% target bonus, $37M PRSUs tied to 4-year TSR vs F-Prime Fintech Index.","Girouard's base salary reduced to $15,000 as Executive Chairman."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":106699,"accession_number":"0001647639-26-000025","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2026-02-10T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Upstart Q4 revenue $296M (+35% YoY); net income $18.6M; guides FY26 ~$1.4B; CEO succession to Paul Gu","event_type":"earnings","confidence":"high","bullets":["Q4 revenue $296M (+35% YoY); net income $18.6M ($0.17 diluted EPS) vs year-ago loss of $2.8M.","Full-year 2025 revenue $1.0B (+64% YoY); net income $53.6M ($0.45) vs 2024 loss of $129M.","Guides FY 2026: revenue ~$1.4B, adj. EBITDA margin ~21%; targeting 35% CAGR through 2028.","Co-founder Paul Gu to become CEO on May 1, 2026; Dave Girouard remains as co-founder."],"consensus_eps_estimate":null,"consensus_eps_actual":0.45,"consensus_revenue_estimate":null,"consensus_revenue_actual":1043857000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":123024,"accession_number":"0001647639-25-000133","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2025-11-04T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Upstart Q3 revenue $277M (+71% YoY); turns GAAP profitable with $31.8M net income","event_type":"earnings","confidence":"high","bullets":["Total originations of $2.9B, up 80% YoY; loan conversion rate 20.6% vs 16.3% a year ago.","GAAP net income $31.8M ($0.23 diluted EPS) vs ($6.8M) loss in Q3 2024.","Adjusted EBITDA $71.2M (26% margin) vs $1.4M in Q3 2024.","Q4 2025 guidance: total revenue ~$288M, GAAP net income ~$17M.","Full-year 2025 revenue expected ~$1.035B; adjusted EBITDA margin ~22%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.28,"consensus_revenue_estimate":null,"consensus_revenue_actual":747767000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":139721,"accession_number":"0001193125-25-180825","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2025-08-14T23:59:59+00:00","items":["1.01","1.02","2.03","3.02","8.01","9.01"],"status":"ready","headline":"Upstart issues $690M 0% convertible notes due 2032, repurchases $232.6M of 2026 notes","event_type":"debt","confidence":"high","bullets":["Issued $690M aggregate principal of 0% Convertible Senior Notes due 2032; initial conversion price ~$82.50 per share.","Net proceeds ~$675.5M; $55.2M used for capped call transactions covering ~8.4M shares with cap price $126.92.","Used ~$224.4M to repurchase ~$232.6M of outstanding 0.25% Convertible Senior Notes due 2026.","Capped call expected to reduce dilution upon conversion; potential dilution beyond cap price.","Notes mature Feb 15, 2032, are senior unsecured, and redeemable after Aug 20, 2028 if stock price condition met."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":139719,"accession_number":"0001647639-25-000099","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K/A","filed_at":"2025-08-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Upstart corrects Q2 adjusted EPS to $0.40; revenue up 102% YoY to $257M","event_type":"earnings","confidence":"high","bullets":["Corrected diluted Adjusted EPS: Q2 2025 $0.40 (was $0.36); six-month $0.70 (was $0.62). No other changes.","Q2 loan origination volume 372,599 (+159% YoY); total originations >$2.8B (+154% YoY).","Q2 GAAP net income $5.6M vs ($54.5M) loss in Q2 2024; GAAP operating income $4.5M.","Q3 2025 guidance: total revenue ~$280M, GAAP net income ~$9M, adjusted EBITDA ~$56M.","Full-year 2025 guidance: total revenue ~$1.055B, GAAP net income ~$35M, adjusted EBITDA margin ~20%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.03,"consensus_revenue_estimate":null,"consensus_revenue_actual":470662000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":139720,"accession_number":"0001647639-25-000091","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2025-08-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Upstart Q2 revenue $257M (+102% YoY); GAAP net income $5.6M, first quarterly profit","event_type":"earnings","confidence":"high","bullets":["Revenue $257M (+102% YoY); GAAP net income $5.6M vs loss of $54.5M in Q2 2024.","Originations >$2.8B (+154% YoY); conversion rate 23.9% vs 15.2% a year ago.","Adjusted EBITDA $53.1M (21% margin) vs negative $9.3M in Q2 2024.","Q3 guidance: revenue ~$280M, GAAP net income ~$9M, adjusted EBITDA ~$56M.","Full-year 2025 revenue guided to ~$1.055B; GAAP net income expected ~$35M."],"consensus_eps_estimate":null,"consensus_eps_actual":0.03,"consensus_revenue_estimate":null,"consensus_revenue_actual":470662000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":157285,"accession_number":"0001647639-25-000053","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2025-05-23T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Upstart shareholders elect directors, ratify Deloitte, approve say-on-pay at annual meeting","event_type":"other","confidence":"high","bullets":["Class II directors Peter Bernard and Paul Gu elected; each received majority of votes cast.","Deloitte & Touche ratified as independent auditor for fiscal 2025 with 99.3% of votes for.","Advisory vote on named executive officer compensation passed with 73.6% of votes cast for.","Broker non-votes totaled 20.2 million shares on director and say-on-pay proposals."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}