{"filings":[{"id":724236,"accession_number":"0001647639-26-000050","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2026-05-28T21:15:23+00:00","items":["5.07"],"status":"ready","headline":"Upstart shareholders elect three Class III directors, ratify auditor, approve say-on-pay","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Class III directors Kerry Cooper, Mary Hentges, and Ciaran O'Kelly elected with votes for 29.2M, 29.5M, and 26.0M respectively.","Ratification of Deloitte & Touche as independent auditor for FY2026 approved with 52.7M votes for, 0.4M against.","Advisory vote on named executive officer compensation approved with 28.1M for, 1.7M against, 0.1M abstentions.","Broker non-votes on director elections and say-on-pay were 23.3M for each proposal."],"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":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"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","summary_kind":"llm","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,"calibrated_materiality_score":0.6,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","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","summary_kind":"llm","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,"calibrated_materiality_score":0.7,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","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","summary_kind":"llm","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,"calibrated_materiality_score":0.7,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","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","summary_kind":"llm","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,"calibrated_materiality_score":0.7,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","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","summary_kind":"llm","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,"calibrated_materiality_score":0.65,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","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","summary_kind":"llm","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,"calibrated_materiality_score":0.8,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","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","summary_kind":"llm","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,"calibrated_materiality_score":0.85,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","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","summary_kind":"llm","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,"calibrated_materiality_score":0.7,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","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","summary_kind":"llm","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,"calibrated_materiality_score":0.8,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","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","summary_kind":"llm","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,"calibrated_materiality_score":0.8,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","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","summary_kind":"llm","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,"calibrated_materiality_score":0.15,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":157284,"accession_number":"0001647639-25-000048","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2025-05-06T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Upstart Q1 revenue $213M (+67% YoY); loan volume surges 89%; narrows GAAP net loss to $2.4M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue of $213M, up 67% YoY; GAAP net loss improves to $2.4M from $64.6M loss in Q1 2024.","Loan originations exceed $2.1B (+89% YoY); conversion rate 19.1% vs 14.0% YoY.","Adjusted EBITDA $42.6M (20% margin) vs -$20.3M (-16% margin) in Q1 2024.","FY2025 revenue guidance raised to ~$1.01B; expects GAAP net income positive in H2 and full year.","Q2 2025 guidance: revenue ~$225M, adjusted EBITDA ~$37M."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.03,"consensus_revenue_estimate":null,"consensus_revenue_actual":213371000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":157283,"accession_number":"0001647639-25-000032","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2025-05-02T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Upstart enters 1-year partnership with OnePay (Walmart majority-owned) for co-branded consumer lending","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["One-year strategic partnership with OnePay (majority owned by Walmart) to market consumer lending products to Walmart customers.","Collaboration includes co-branded offerings and co-branded direct mail campaigns.","Upstart does not expect the partnership to have a material impact on FY2025 financial results."],"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":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":175664,"accession_number":"0001647639-25-000023","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2025-02-19T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Upstart appoints Peter Bernard to board of directors","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Peter Bernard elected as Class II director effective Feb 19, 2025; board size increased to nine.","Bernard serves as Board Chair of Barclays Bank U.S.; former CRO at D.E. Shaw & Co., L.P.","No family relationships or transactions between Bernard and Upstart requiring disclosure under SEC rules.","Bernard eligible for standard non-employee director compensation and equity awards per Upstart's policy."],"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":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":175663,"accession_number":"0001193125-25-026674","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2025-02-14T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"Upstart launches $500M at-the-market equity offering program with BTIG","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Up to $500M of common stock may be sold from time to time through BTIG as sales agent under ATM program.","Net proceeds to be used for working capital and general corporate purposes.","BTIG will receive commission of up to 2% of gross proceeds from sales.","Sales may be made in at-the-market transactions under Rule 415; company has no obligation to sell any shares."],"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,"calibrated_materiality_score":0.65,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":175661,"accession_number":"0001647639-25-000009","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K/A","filed_at":"2025-02-13T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Upstart corrects Q4 adjusted EPS to $0.29, reports 56% revenue growth and positive FY 2025 outlook","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Corrected diluted adjusted EPS of $0.29 (from $0.26) on corrected diluted shares of 103.1M (from 116.3M).","Q4 total revenue $219M (+56% YoY); GAAP net loss $2.8M, improvement from $42.4M loss.","Q4 loan volume $2.1B (+68% YoY); conversion rate 19.3% vs 11.6%.","FY 2025 guidance: revenue ~$1B, GAAP net income at least breakeven, adjusted EBITDA margin ~18%.","FY 2024 revenue $637M (+24% YoY); adjusted EBITDA $10.6M vs -$17.2M in 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.44,"consensus_revenue_estimate":null,"consensus_revenue_actual":636528000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":175662,"accession_number":"0001647639-25-000005","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2025-02-11T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Upstart Q4 revenue $219M (+56% YoY); guides FY2025 revenue ~$1B, GAAP net income at least breakeven","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2024: Total revenue $219M (+56% YoY); GAAP net loss ($2.8M) improved from ($42.4M); adjusted net income $29.9M.","Loan volume $2.1B (+68% YoY); conversion rate 19.3% (up from 11.6% in Q4 2023).","Adjusted EBITDA $38.8M (Q4 2023: $0.6M); contribution margin 61%.","Full year 2024: Revenue $637M (+24% YoY); GAAP net loss ($129M) vs ($240M); adjusted EBITDA $10.6M (vs -$17.2M).","FY2025 guidance: Revenue ~$1B; Adjusted EBITDA margin ~18%; GAAP net income at least breakeven."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.44,"consensus_revenue_estimate":null,"consensus_revenue_actual":636528000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":192614,"accession_number":"0001193125-24-259803","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2024-11-15T23:59:59+00:00","items":["1.01","2.03","3.02","8.01","9.01"],"status":"ready","headline":"Upstart issues $500M of 1.00% convertible notes due 2030, net proceeds ~$488M","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $500M aggregate principal amount (including full exercise of $75M greenshoe) of 1.00% Convertible Senior Notes due 2030.","Initial conversion price approximately $91.99 per share, representing a ~32.5% premium to last sale price of $69.43.","Net proceeds of ~$488.1M after discounts and expenses, to be used for general corporate purposes including debt repayment.","Notes mature Nov 15, 2030; Upstart may redeem after Nov 20, 2027 subject to stock price condition (130% of conversion price).","Notes are senior unsecured, convertible at holder's option under specified conditions; settlement in cash, stock, or combination."],"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,"calibrated_materiality_score":0.65,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":192613,"accession_number":"0001647639-24-000045","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2024-11-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Upstart Q3 revenue $162M (+20% YoY); net loss narrows to $6.8M; positive adj. EBITDA $1.4M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $162M (+20% YoY, +27% sequentially); fee revenue $168M.","GAAP net loss $6.8M vs $40.3M loss last year; EPS -$0.07; adj. EPS -$0.06.","Transaction volume $1.6B (+30% YoY, +43% seq); conversion rate 16.3% (up from 9.5%).","Adjusted EBITDA positive at $1.4M; Q4 guidance: revenue ~$180M, adjusted EBITDA ~$5M.","Income from operations -$45.2M, slightly worse than -$43.8M last year."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.42,"consensus_revenue_estimate":null,"consensus_revenue_actual":417564000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":209063,"accession_number":"0001193125-24-222101","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2024-09-19T23:59:59+00:00","items":["1.01","2.03","3.02","8.01","9.01"],"status":"ready","headline":"Upstart issues $431.25M 2% convertible senior notes due 2029; buys back $334.2M of 0.25% notes","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $431.25M of 2.00% Convertible Senior Notes due 2029; net proceeds ~$420.9M after discounts and expenses.","Used ~$302.5M of proceeds to repurchase $334.2M aggregate principal of outstanding 0.25% Convertible Senior Notes due 2026.","Initial conversion price ~$45.66/share (21.9029 shares per $1,000), a 30% premium to Sept 16, 2024 closing price of $35.12.","Entered capped call transactions covering ~9.4M shares of common stock with cap price of $70.24 to offset potential dilution.","Notes are senior unsecured, redeemable by company after Oct 6, 2027 if stock price exceeds 130% of conversion price."],"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":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":209062,"accession_number":"0001647639-24-000032","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2024-08-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Upstart Q2 revenue $128M, net loss $54.5M; Q3 revenue guidance $150M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $128M, down 6% YoY; fee revenue $131M, down 9%.","GAAP net loss $54.5M (EPS -$0.62) vs. loss $28.2M a year ago.","Adjusted EBITDA -$9.3M, down from +$11.0M in Q2 2023.","Loan originations $1.1B on 143,900 loans; conversion rate improved to 15% from 9%.","Q3 2024 guidance: revenue ~$150M; expects positive EBITDA in Q4 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.36,"consensus_revenue_estimate":null,"consensus_revenue_actual":255424000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":226913,"accession_number":"0001647639-24-000026","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2024-05-31T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Upstart annual meeting votes: directors elected, auditor ratified, say-on-pay approved","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Directors Girouard, Huber, Terry elected as Class I directors until 2027 annual meeting.","Ratification of Deloitte & Touche as independent auditor for FY2024 approved with 46.3M for, 564K against.","Non-binding advisory vote on executive compensation approved with 20.2M for, 2.1M against."],"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":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":226912,"accession_number":"0001647639-24-000019","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2024-05-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Upstart Q1 revenue $128M (+24% YoY); guides Q2 rev ~$125M, expects positive EBITDA in Q4","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net loss $64.6M ($0.74 diluted EPS); adjusted net loss $27.2M ($0.31 adjusted EPS).","Contribution margin 59% vs 58% YoY; adjusted EBITDA -$20.3M improving from -$31.1M YoY.","Loan volume $1.1B (119,380 loans), up 13% YoY; conversion rate 14% vs 8% prior year.","Q2 guidance: revenue ~$125M, net loss ~$75M, adj EBITDA ~$(25)M.","H2 2024 outlook: revenue from fees ~$300M, positive EBITDA in Q4."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.74,"consensus_revenue_estimate":null,"consensus_revenue_actual":127794000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":245858,"accession_number":"0001647639-24-000006","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2024-02-13T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Upstart Q4 2023 revenue $140M, net loss $42.4M; Q1 2024 guidance revenue ~$125M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 revenue $140M (-4% YoY, +4% seq); GAAP net loss $42.4M vs $55.3M loss YoY.","Adjusted net loss $9.7M; GAAP diluted EPS -$0.50, adjusted EPS -$0.11.","Loan volume $1.3B (-19% YoY); conversion rate 11.6% (up from 10.5% YoY).","FY2023 revenue $514M (-39% YoY); GAAP net loss $240M vs $109M loss prior year.","Q1 2024 outlook: revenue ~$125M, net loss ~$75M, adjusted EBITDA ~$(25)M."],"consensus_eps_estimate":null,"consensus_eps_actual":-2.87,"consensus_revenue_estimate":null,"consensus_revenue_actual":513562000.0,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":263323,"accession_number":"0001647639-23-000049","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2023-11-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Upstart Q3 revenue $135M, down 14% YoY; net loss $40.3M, improves from $56.2M loss","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenue $135M (-14% YoY); fee revenue $147M (-18% YoY); loan volume $1.2B (-34%).","GAAP net loss $40.3M (-$0.48 diluted EPS); adjusted net loss $3.9M (-$0.05 adjusted EPS).","Contribution margin 64% (up from 54% YoY); adjusted EBITDA $2.3M vs -$14.4M YoY.","Q4 guidance: revenue ~$135M, contribution margin ~62%, adjusted EBITDA ~$0M, net loss ~$48M.","Conversion on rate requests 9.5% (down from 9.7% YoY); 114,464 loans originated."],"consensus_eps_estimate":null,"consensus_eps_actual":-2.38,"consensus_revenue_estimate":null,"consensus_revenue_actual":373250000.0,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":280522,"accession_number":"0001647639-23-000042","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2023-08-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Upstart Q2 revenue $136M (-40% YoY); record contribution margin 67%, positive adjusted net income","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $136M, down 40% YoY; loan volume $1.2B, down 64% YoY; conversion rate 9% vs 13%.","GAAP net loss $28.2M, improved from $29.9M; GAAP diluted EPS -$0.34; adjusted EPS $0.06.","Record contribution margin 67% (vs 47% YoY); adjusted EBITDA $11M, up from $5.5M; positive cash flow.","Q3 guidance: revenue ~$140M, contribution margin ~65%, adjusted EBITDA ~$5M, net loss ~$38M.","CEO cites improved efficiency and operating leverage; ready for growth when economy normalizes."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.91,"consensus_revenue_estimate":null,"consensus_revenue_actual":238693000.0,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":299109,"accession_number":"0001647639-23-000040","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2023-05-26T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Upstart Holdings annual meeting results: all director nominees elected, auditor ratified, say-on-pay approved","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Class III directors elected: Kerry W. Cooper (17.8M for), Mary Hentges (17.7M), Ciaran O'Kelly (16.1M); broker non-votes 25.6M each.","Ratification of Deloitte & Touche as FY 2023 auditor approved: 43.3M for, 586K against, 152K abstain.","Advisory vote on NEO compensation passed: 14.4M for, 3.8M against, 152K abstain; broker non-votes 25.6M."],"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,"calibrated_materiality_score":0.15,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":299108,"accession_number":"0001647639-23-000033","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2023-05-09T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Upstart Q1 revenue $103M (-67% YoY); GAAP net loss $129M vs prior year profit","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue fell 67% to $103M; fee revenue $117M (down 63% YoY).","GAAP net loss $129M ($1.58 diluted loss per share) vs $32.7M income a year ago.","Adjusted net loss $38.7M; adjusted EBITDA -$31.1M vs +$62.6M in Q1 2022.","Loan volume $997M (-78% YoY); conversion rate 8% (down from 21%).","Q2 guidance: revenue ~$135M, adjusted EBITDA ~$0M; CEO cites $2B+ funding agreements."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.58,"consensus_revenue_estimate":null,"consensus_revenue_actual":102927000.0,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":319286,"accession_number":"0001647639-23-000027","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2023-03-02T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Upstart cancels 687,500-share performance RSU for CTO Paul Gu; reinstates cash comp","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Compensation Committee cancelled Paul Gu's performance-based RSU award of 687,500 shares granted Feb 2022.","Award was intended as primary compensation through 2029; Gu's cash comp was limited to benefits only.","In exchange, Gu receives annual salary of $425,000 and eligibility for 2023 Executive Bonus Plan with 75% target bonus.","Committee determined award no longer provided intended retention and incentive value after consulting advisors."],"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":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":319285,"accession_number":"0001647639-23-000012","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2023-02-14T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Upstart Q4 revenue down 52% YoY to $147M; net loss $55.3M; guides Q1 revenue ~$100M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 revenue $147M (-52% YoY); GAAP net loss $55.3M ($0.67 diluted loss per share); adjusted EPS loss $0.25.","Loans originated $1.5B (-62% YoY); conversion rate 11% vs 24% prior year; contribution margin 53%.","FY2022 revenue $842M (-1% YoY); GAAP net loss $108.7M vs $135.4M profit in 2021; adj. net income $19.4M.","Q1 2023 guidance: revenue ~$100M, contribution margin ~55%, adjusted EBITDA (~$45M) loss.","Repurchased 5.9M shares for ~$178M in FY2022 (1.4M shares for ~$28M in Q4)."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.31,"consensus_revenue_estimate":null,"consensus_revenue_actual":842444000.0,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":319284,"accession_number":"0001647639-23-000006","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2023-01-31T23:59:59+00:00","items":["2.05"],"status":"ready","headline":"Upstart announces 20% workforce reduction, expects $57M cash savings","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Reduction of ~365 employees (20% of workforce); suspension of small business loan product until macro improves.","Estimated $15M in severance and benefit charges; $3M non-cash reversal of stock-based compensation.","Expects ~$57M cash savings in operating expenses over 12 months and $42M non-cash SBC savings through 2025.","Charges and cash expenditures mostly incurred in Q1 2023; plan designed to reduce costs and return to profitability."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":337500,"accession_number":"0001647639-22-000070","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2022-11-18T23:59:59+00:00","items":["5.02","5.03","9.01"],"status":"ready","headline":"Upstart amends severance policy to provide up to 12 months pay for executives outside change in control","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Amended policy covers NEOs Girouard, Datta, Gu, Counselman and other VP+ employees.","Provides up to 12 months base salary and COBRA premiums for qualified termination outside change in control.","Effective December 5, 2022; prior policy only provided benefits within a change in control period.","Also filed certificate of change for Delaware registered agent and amended bylaws (procedural)."],"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":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":337499,"accession_number":"0001647639-22-000062","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2022-11-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Upstart Q3 revenue $157M (-31% YoY), GAAP EPS loss $0.69; Q4 guidance weak","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenue $157M, down 31% YoY; fee revenue $179M (-15%); loan volume $1.9B (-48%).","GAAP net loss ($56.2M), diluted EPS ($0.69); adjusted net loss ($19.3M), adjusted EPS ($0.24).","Q4 outlook: revenue $125-145M, adjusted net loss ~$40M, adjusted EBITDA ~($35M).","Conversion rate fell to 10% from 23% YoY; contribution margin rose to 54% from 46%.","Repurchased 931k shares for ~$25M during Q3."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.64,"consensus_revenue_estimate":null,"consensus_revenue_actual":695531000.0,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":337498,"accession_number":"0001647639-22-000058","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2022-11-01T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Upstart Holdings lays off approximately 140 hourly employees due to reduced loan volume and challenging economy","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Laid off approx. 140 hourly employees who process loan applications, effective Nov 1, 2022.","Cites challenging economy and reduction in loan volume on its platform as reasons.","This workforce reduction reflects ongoing downturn in Upstart's lending business."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":337497,"accession_number":"0001647639-22-000053","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2022-10-11T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Upstart GC Alison Nicoll to retire; Scott Darling named Chief Legal Officer and Corporate Secretary","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Alison Nicoll, General Counsel and Corporate Secretary, to retire effective Nov 23, 2022.","Scott Darling to succeed as Chief Legal Officer and Corporate Secretary, starting early December 2022.","Anna Counselman transitions to SVP Business Operations from SVP People and Operations, effective immediately."],"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":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":354862,"accession_number":"0001647639-22-000047","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2022-08-08T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Upstart Q2 revenue $228M (+18% YoY); net loss $29.9M; Q3 guidance $170M; shifts to committed capital","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net loss $29.9M vs profit $37.3M a year ago; adjusted net income $1.0M down from $58.5M.","Q3 revenue guidance ~$170M, implying ~25% sequential decline; adjusted EBITDA ~$0.","Conversion on rate requests fell to 13% from 24% on funding constraints; loan volume $3.3B (+12%).","Repurchased 3.5M shares for ~$125M in Q2; unrestricted cash ~$800M as of June 30.","CEO cites investor loss aversion; moving toward long-term committed capital and using balance sheet to bridge."],"consensus_eps_estimate":null,"consensus_eps_actual":0.03,"consensus_revenue_estimate":null,"consensus_revenue_actual":538298000.0,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":354861,"accession_number":"0001647639-22-000041","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2022-07-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Upstart preliminary Q2 revenue ~$228M vs guidance $295-305M; net loss $(27-31)M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue ~$228M, well below prior guidance of $295-305M; net loss $(27-31)M vs guidance loss $(4-0)M.","Contribution margin ~47% vs guidance ~45%, indicating improved unit economics despite lower volumes.","CEO Girouard: Inflation/recession fears drove funding constraints and balance sheet loan sales, cutting revenue.","Final Q2 results to be reported August 8, 2022; company continues share repurchases."],"consensus_eps_estimate":null,"consensus_eps_actual":0.03,"consensus_revenue_estimate":null,"consensus_revenue_actual":538298000.0,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":372886,"accession_number":"0001647639-22-000022","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2022-05-20T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Upstock shareholders re-elect two Class II directors, ratify auditor, approve 1-year say-on-pay frequency","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Sukhinder Singh Cassidy and Paul Gu elected as Class II directors to serve until 2025 annual meeting.","Deloitte & Touche LLP ratified as independent auditor for FY2022 with 55.9M votes for.","Advisory vote on executive compensation frequency: one year preferred (37.3M for); company will hold annual say-on-pay votes."],"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":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":372885,"accession_number":"0001647639-22-000016","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2022-05-09T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Upstart Q1 2022 revenue $310M (+156% YoY), GAAP EPS $0.34; Q2 guidance implies net loss near zero","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenue $310M (+156% YoY); GAAP net income $32.7M vs $10.1M YoY; adjusted EPS $0.61.","Platform originated 465,537 loans ($4.5B), up 174% YoY; conversion 21% vs 22% YoY.","Q2 2022 guidance: revenue $295-305M, adjusted EBITDA $32-34M, GAAP net loss up to $4M.","Full-year 2022 revenue guidance revised to ~$1.25B; adjusted EBITDA margin ~15%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.34,"consensus_revenue_estimate":null,"consensus_revenue_actual":310136000.0,"consensus_period":"2022-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":391690,"accession_number":"0001647639-22-000011","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2022-02-23T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Upstart grants co-founder Paul Gu 7-year performance RSU award targeting stock price up to $616","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Max 687,500 RSUs; vesting tied to stock price targets from $166 (14.7% above reference) to $616 (4.25x reference).","Only 21.4% of RSUs earnable if stock stays below $347; full vesting requires $616 avg over 60 days.","Cash compensation will be reduced to minimum for broad-based benefits; award is primary compensation for 7 years.","First measurement date Jan 1, 2027; cumulative vesting caps of 275k RSUs (5yr) and 550k (6yr) before final date.","Protection events (death, disability, constructive termination) allow prorated vesting with caps (275k before 2027, 550k before 2028)."],"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,"calibrated_materiality_score":0.6,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":391689,"accession_number":"0001647639-22-000006","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2022-02-15T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Upstart Q4 revenue $305M (+252% YoY), net income $58.9M; authorizes $400M share buyback","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2021 total revenue $305M (+252% YoY); GAAP diluted EPS $0.61, adjusted diluted EPS $0.89.","Full-year 2021 revenue $849M (+264% YoY); GAAP net income $135M vs $6.0M in 2020.","Q1 2022 revenue guidance $295M-$305M; full-year 2022 revenue guidance approx. $1.4B.","Board authorizes $400M share repurchase program, citing attractive buying conditions and profitability.","Auto loan originations ramping quickly; platform volume $4.1B in Q4 (up 301% YoY)."],"consensus_eps_estimate":null,"consensus_eps_actual":1.43,"consensus_revenue_estimate":null,"consensus_revenue_actual":848589000.0,"consensus_period":"2021-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":409925,"accession_number":"0001647639-21-000040","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2021-11-19T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Upstart board member Robert Schwartz resigns; Jeff Huber joins nominating committee","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Robert Schwartz resigned from the Board, Compensation Committee, and Nominating & Corporate Governance Committee, effective Nov 15, 2021.","Resignation not due to any disagreement with Upstart, its operations, policies, or procedures.","Board member Jeff Huber appointed to the Nominating and Corporate Governance Committee, effective Nov 16, 2021."],"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,"calibrated_materiality_score":0.3,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":409924,"accession_number":"0001647639-21-000035","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2021-11-09T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Upstart Q3 revenue $228M (+250% YoY); net income $29.1M; guided Q4 rev $255-265M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenue $228M, up 250% YoY; fee revenue $210M, up 235%.","GAAP net income $29.1M ($0.30 diluted EPS); adjusted net income $57.4M ($0.60 adjusted EPS).","Platform originated 362,780 loans totaling $3.13B, up 244% YoY; conversion rate 23% vs 15%.","Adjusted EBITDA $59.1M (26% margin), up from $15.5M in Q3 2020.","Q4 2021 guidance: revenue $255-265M, contribution margin ~47%, adjusted net income $48-50M."],"consensus_eps_estimate":null,"consensus_eps_actual":0.81,"consensus_revenue_estimate":null,"consensus_revenue_actual":543741000.0,"consensus_period":"2021-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":428794,"accession_number":"0001193125-21-252733","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2021-08-20T23:59:59+00:00","items":["1.01","2.03","3.02","8.01","9.01"],"status":"ready","headline":"Upstart issues $661.25M of 0.25% convertible notes due 2026, net proceeds $645.5M","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $661.25M aggregate principal of 0.25% Convertible Senior Notes due 2026; net proceeds $645.5M.","Initial conversion rate 3.5056 shares per $1,000 principal; conversion price ~$285.26 (42.5% premium to $200.18 stock price).","Used $58.5M of proceeds to buy capped calls with strike $285.26 and cap $400.36, covering ~2.3M shares to reduce dilution.","Notes mature Aug 15, 2026; interest semi-annual; redeemable after Aug 20, 2024 at 130% of conversion price trigger.","Offering to QIBs under Rule 144A; initial purchasers exercised in full option for additional $86.25M."],"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,"calibrated_materiality_score":0.7,"market_cap_usd":2687510000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":428793,"accession_number":"0001647639-21-000030","cik":1647639,"company_name":"Upstart Holdings, Inc.","ticker":"UPST","form_type":"8-K","filed_at":"2021-08-10T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Upstart Q2 revenue $194M (+1,018% YoY), net income $37.3M; 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