{"schema_version":"secwatch.filing_event.v1","accession":"0001647639-22-000016","form_type":"8-K","ticker":"UPST","cik":"0001647639","company_name":"Upstart Holdings, Inc.","filed_at":"2022-05-09T23:59:59+00:00","discovered_at":"2026-05-14T18:04:01.628090+00:00","generated_at":"2026-06-25T22:26:56.432048+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Upstart Q1 2022 revenue $310M (+156% YoY), GAAP EPS $0.34; Q2 guidance implies net loss near zero","bullets":["Total revenue $310M (+156% YoY); GAAP net income $32.7M vs $10.1M YoY; adjusted EPS $0.61.","Platform originated 465,537 loans ($4.5B), up 174% YoY; conversion 21% vs 22% YoY.","Q2 2022 guidance: revenue $295-305M, adjusted EBITDA $32-34M, GAAP net loss up to $4M.","Full-year 2022 revenue guidance revised to ~$1.25B; adjusted EBITDA margin ~15%."],"urls":{"canonical":"https://secwatch.observer/filing/0001647639-22-000016","json":"https://secwatch.observer/filing/0001647639-22-000016.json","markdown":"https://secwatch.observer/filing/0001647639-22-000016.md","text":"https://secwatch.observer/filing/0001647639-22-000016.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1647639/000164763922000016/0001647639-22-000016-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1647639/000164763922000016/upst-20220509.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-25T22:26:56.432048+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"}