{"schema_version":"secwatch.filing_event.v1","accession":"0001647639-22-000041","form_type":"8-K","ticker":"UPST","cik":"0001647639","company_name":"Upstart Holdings, Inc.","filed_at":"2022-07-08T23:59:59+00:00","discovered_at":"2026-05-14T18:03:56.524081+00:00","generated_at":"2026-06-24T18:29:41.750655+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Upstart preliminary Q2 revenue ~$228M vs guidance $295-305M; net loss $(27-31)M","bullets":["Revenue ~$228M, well below prior guidance of $295-305M; net loss $(27-31)M vs guidance loss $(4-0)M.","Contribution margin ~47% vs guidance ~45%, indicating improved unit economics despite lower volumes.","CEO Girouard: Inflation/recession fears drove funding constraints and balance sheet loan sales, cutting revenue.","Final Q2 results to be reported August 8, 2022; company continues share repurchases."],"urls":{"canonical":"https://secwatch.observer/filing/0001647639-22-000041","json":"https://secwatch.observer/filing/0001647639-22-000041.json","markdown":"https://secwatch.observer/filing/0001647639-22-000041.md","text":"https://secwatch.observer/filing/0001647639-22-000041.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1647639/000164763922000041/0001647639-22-000041-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1647639/000164763922000041/upst-20220707.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T18:29:41.750655+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"}