---
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"
generated_at: "2026-05-26T22:19:37.561268+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001647639-25-000009
- JSON: https://secwatch.observer/filing/0001647639-25-000009.json
- Plain text: https://secwatch.observer/filing/0001647639-25-000009.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.