---
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"
generated_at: "2026-06-27T08:01:49.309134+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Upstart Q4 revenue $305M (+252% YoY), net income $58.9M; authorizes $400M share buyback

## Summary
- 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).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001647639-22-000006
- JSON: https://secwatch.observer/filing/0001647639-22-000006.json
- Plain text: https://secwatch.observer/filing/0001647639-22-000006.txt

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