{"schema_version":"secwatch.filing_event.v1","accession":"0001647639-21-000035","form_type":"8-K","ticker":"UPST","cik":"0001647639","company_name":"Upstart Holdings, Inc.","filed_at":"2021-11-09T23:59:59+00:00","discovered_at":"2026-05-14T18:04:13.480272+00:00","generated_at":"2026-06-28T10:46:28.331319+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Upstart Q3 revenue $228M (+250% YoY); net income $29.1M; guided Q4 rev $255-265M","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001647639-21-000035","json":"https://secwatch.observer/filing/0001647639-21-000035.json","markdown":"https://secwatch.observer/filing/0001647639-21-000035.md","text":"https://secwatch.observer/filing/0001647639-21-000035.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1647639/000164763921000035/0001647639-21-000035-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1647639/000164763921000035/upst-20211109.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-28T10:46:28.331319+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"}