{"schema_version":"secwatch.filing_event.v1","accession":"0001647639-24-000006","form_type":"8-K","ticker":"UPST","cik":"0001647639","company_name":"Upstart Holdings, Inc.","filed_at":"2024-02-13T23:59:59+00:00","discovered_at":"2026-05-14T18:03:24.968758+00:00","generated_at":"2026-06-06T03:27:21.528245+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Upstart Q4 2023 revenue $140M, net loss $42.4M; Q1 2024 guidance revenue ~$125M","bullets":["Q4 revenue $140M (-4% YoY, +4% seq); GAAP net loss $42.4M vs $55.3M loss YoY.","Adjusted net loss $9.7M; GAAP diluted EPS -$0.50, adjusted EPS -$0.11.","Loan volume $1.3B (-19% YoY); conversion rate 11.6% (up from 10.5% YoY).","FY2023 revenue $514M (-39% YoY); GAAP net loss $240M vs $109M loss prior year.","Q1 2024 outlook: revenue ~$125M, net loss ~$75M, adjusted EBITDA ~$(25)M."],"urls":{"canonical":"https://secwatch.observer/filing/0001647639-24-000006","json":"https://secwatch.observer/filing/0001647639-24-000006.json","markdown":"https://secwatch.observer/filing/0001647639-24-000006.md","text":"https://secwatch.observer/filing/0001647639-24-000006.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1647639/000164763924000006/0001647639-24-000006-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1647639/000164763924000006/upst-20240213.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T03:27:21.528245+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":[{"claim_id":"b3c477d4a61011d9d5d07a2a0be389bf71996d66","claim":"Upstart Holdings, Inc. reported financial results for the fiscal quarter and full fiscal year ended December 31, 2023.","evidence_excerpt":"a more resilient and diversified company that can thrive through a wide range of economic conditions.” Fourth Quarter 2023 Financial Highlights • Revenue. Total revenue was $140 million, a decrease of 4% from the fourth quarter of 2022, but up 4% sequentially. Total fee revenue was $153 million, a decrease of 2% year-over-year. • Transaction Volume and","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1647639/000164763924000006/0001647639-24-000006-index.htm","confidence":0.99,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fiscal quarter and full fiscal year ended December 31, 2023"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"b3c477d4a61011d9d5d07a2a0be389bf71996d66","claim":"Upstart Holdings, Inc. reported financial results for the fiscal quarter and full fiscal year ended December 31, 2023.","evidence_excerpt":"Upstart Announces Fourth Quarter and Full Year 2023 Results","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1647639/000164763924000006/0001647639-24-000006-index.htm","confidence":0.99,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fiscal quarter and full fiscal year ended December 31, 2023"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}