Upstart corrects Q4 adjusted EPS to $0.29, reports 56% revenue growth and positive FY 2025 outlook

Upstart Holdings, Inc.

2024-FY EPS reported -$1.44 revenue$636,528,000

Corrected diluted adjusted EPS of $0.29 (from $0.26) on corrected diluted shares of 103.1M (from 116.3M).
Q4 total revenue $219M (+56% YoY); GAAP net loss $2.8M, improvement from $42.4M loss.
Q4 loan volume $2.1B (+68% YoY); conversion rate 19.3% vs 11.6%.
FY 2025 guidance: revenue ~$1B, GAAP net income at least breakeven, adjusted EBITDA margin ~18%.
FY 2024 revenue $637M (+24% YoY); adjusted EBITDA $10.6M vs -$17.2M in 2023.

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