{"schema_version":"secwatch.filing_event.v1","accession":"0001647639-24-000032","form_type":"8-K","ticker":"UPST","cik":"0001647639","company_name":"Upstart Holdings, Inc.","filed_at":"2024-08-06T23:59:59+00:00","discovered_at":"2026-05-14T18:03:13.949366+00:00","generated_at":"2026-05-31T12:18:44.173380+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 Q2 revenue $128M, net loss $54.5M; Q3 revenue guidance $150M","bullets":["Revenue $128M, down 6% YoY; fee revenue $131M, down 9%.","GAAP net loss $54.5M (EPS -$0.62) vs. loss $28.2M a year ago.","Adjusted EBITDA -$9.3M, down from +$11.0M in Q2 2023.","Loan originations $1.1B on 143,900 loans; conversion rate improved to 15% from 9%.","Q3 2024 guidance: revenue ~$150M; expects positive EBITDA in Q4 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001647639-24-000032","json":"https://secwatch.observer/filing/0001647639-24-000032.json","markdown":"https://secwatch.observer/filing/0001647639-24-000032.md","text":"https://secwatch.observer/filing/0001647639-24-000032.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1647639/000164763924000032/0001647639-24-000032-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1647639/000164763924000032/upst-20240806.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T12:18:44.173380+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"}