---
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"
generated_at: "2026-06-29T16:51:17.869854+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Upstart Q2 revenue $194M (+1,018% YoY), net income $37.3M; raises FY21 guide to $750M

## Summary
- 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%).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001647639-21-000030
- JSON: https://secwatch.observer/filing/0001647639-21-000030.json
- Plain text: https://secwatch.observer/filing/0001647639-21-000030.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.