{"schema_version":"secwatch.filing_event.v1","accession":"0001647639-24-000045","form_type":"8-K","ticker":"UPST","cik":"0001647639","company_name":"Upstart Holdings, Inc.","filed_at":"2024-11-07T23:59:59+00:00","discovered_at":"2026-05-14T18:03:09.098199+00:00","generated_at":"2026-05-30T03:36:33.963302+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Upstart Q3 revenue $162M (+20% YoY); net loss narrows to $6.8M; positive adj. EBITDA $1.4M","bullets":["Revenue $162M (+20% YoY, +27% sequentially); fee revenue $168M.","GAAP net loss $6.8M vs $40.3M loss last year; EPS -$0.07; adj. EPS -$0.06.","Transaction volume $1.6B (+30% YoY, +43% seq); conversion rate 16.3% (up from 9.5%).","Adjusted EBITDA positive at $1.4M; Q4 guidance: revenue ~$180M, adjusted EBITDA ~$5M.","Income from operations -$45.2M, slightly worse than -$43.8M last year."],"urls":{"canonical":"https://secwatch.observer/filing/0001647639-24-000045","json":"https://secwatch.observer/filing/0001647639-24-000045.json","markdown":"https://secwatch.observer/filing/0001647639-24-000045.md","text":"https://secwatch.observer/filing/0001647639-24-000045.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1647639/000164763924000045/0001647639-24-000045-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1647639/000164763924000045/upst-20241107.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T03:36:33.963302+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"}