{"schema_version":"secwatch.filing_event.v1","accession":"0001647639-21-000030","form_type":"8-K","ticker":"UPST","cik":"0001647639","company_name":"Upstart Holdings, Inc.","filed_at":"2021-08-10T23:59:59+00:00","discovered_at":"2026-05-14T18:04:19.005858+00:00","generated_at":"2026-06-29T16:51:17.869854+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Upstart Q2 revenue $194M (+1,018% YoY), net income $37.3M; raises FY21 guide to $750M","bullets":["Revenue $194M (+1,018% YoY); net income $37.3M vs ($6.2M) loss a year ago.","Transaction volume $2.80B (+1,605% YoY); conversion rate 24% (up from 9%).","GAAP diluted EPS $0.39; adjusted diluted EPS $0.62.","Q3 guidance: revenue $205-215M, adjusted EBITDA $30-34M.","FY21 revenue guidance raised to ~$750M (from $600M); contribution margin 45% (from 42%)."],"urls":{"canonical":"https://secwatch.observer/filing/0001647639-21-000030","json":"https://secwatch.observer/filing/0001647639-21-000030.json","markdown":"https://secwatch.observer/filing/0001647639-21-000030.md","text":"https://secwatch.observer/filing/0001647639-21-000030.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1647639/000164763921000030/0001647639-21-000030-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1647639/000164763921000030/upst-20210810.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-29T16:51:17.869854+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}