{"schema_version":"secwatch.filing_event.v1","accession":"0001647639-22-000006","form_type":"8-K","ticker":"UPST","cik":"0001647639","company_name":"Upstart Holdings, Inc.","filed_at":"2022-02-15T23:59:59+00:00","discovered_at":"2026-05-14T18:04:07.560611+00:00","generated_at":"2026-06-27T08:01:49.309134+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Upstart Q4 revenue $305M (+252% YoY), net income $58.9M; authorizes $400M share buyback","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)."],"urls":{"canonical":"https://secwatch.observer/filing/0001647639-22-000006","json":"https://secwatch.observer/filing/0001647639-22-000006.json","markdown":"https://secwatch.observer/filing/0001647639-22-000006.md","text":"https://secwatch.observer/filing/0001647639-22-000006.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1647639/000164763922000006/0001647639-22-000006-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1647639/000164763922000006/upst-20220215.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T08:01:49.309134+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"}