{"schema_version":"secwatch.filing_event.v1","accession":"0001647639-25-000009","form_type":"8-K/A","ticker":"UPST","cik":"0001647639","company_name":"Upstart Holdings, Inc.","filed_at":"2025-02-13T23:59:59+00:00","discovered_at":"2026-05-14T18:03:04.299424+00:00","generated_at":"2026-05-26T22:19:37.561268+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Upstart corrects Q4 adjusted EPS to $0.29, reports 56% revenue growth and positive FY 2025 outlook","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001647639-25-000009","json":"https://secwatch.observer/filing/0001647639-25-000009.json","markdown":"https://secwatch.observer/filing/0001647639-25-000009.md","text":"https://secwatch.observer/filing/0001647639-25-000009.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1647639/000164763925000009/0001647639-25-000009-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1647639/000164763925000009/upst-20250211.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-26T22:19:37.561268+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"}