{"schema_version":"secwatch.filing_event.v1","accession":"0001647639-25-000005","form_type":"8-K","ticker":"UPST","cik":"0001647639","company_name":"Upstart Holdings, Inc.","filed_at":"2025-02-11T23:59:59+00:00","discovered_at":"2026-05-14T18:03:04.299616+00:00","generated_at":"2026-05-26T23:23:07.107179+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Upstart Q4 revenue $219M (+56% YoY); guides FY2025 revenue ~$1B, GAAP net income at least breakeven","bullets":["Q4 2024: Total revenue $219M (+56% YoY); GAAP net loss ($2.8M) improved from ($42.4M); adjusted net income $29.9M.","Loan volume $2.1B (+68% YoY); conversion rate 19.3% (up from 11.6% in Q4 2023).","Adjusted EBITDA $38.8M (Q4 2023: $0.6M); contribution margin 61%.","Full year 2024: Revenue $637M (+24% YoY); GAAP net loss ($129M) vs ($240M); adjusted EBITDA $10.6M (vs -$17.2M).","FY2025 guidance: Revenue ~$1B; Adjusted EBITDA margin ~18%; GAAP net income at least breakeven."],"urls":{"canonical":"https://secwatch.observer/filing/0001647639-25-000005","json":"https://secwatch.observer/filing/0001647639-25-000005.json","markdown":"https://secwatch.observer/filing/0001647639-25-000005.md","text":"https://secwatch.observer/filing/0001647639-25-000005.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1647639/000164763925000005/0001647639-25-000005-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1647639/000164763925000005/upst-20250211.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-26T23:23:07.107179+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"}