{"schema_version":"secwatch.filing_event.v1","accession":"0001647639-25-000048","form_type":"8-K","ticker":"UPST","cik":"0001647639","company_name":"Upstart Holdings, Inc.","filed_at":"2025-05-06T23:59:59+00:00","discovered_at":"2026-05-14T18:02:49.188129+00:00","generated_at":"2026-05-22T12:30:01.424279+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 Q1 revenue $213M (+67% YoY); loan volume surges 89%; narrows GAAP net loss to $2.4M","bullets":["Revenue of $213M, up 67% YoY; GAAP net loss improves to $2.4M from $64.6M loss in Q1 2024.","Loan originations exceed $2.1B (+89% YoY); conversion rate 19.1% vs 14.0% YoY.","Adjusted EBITDA $42.6M (20% margin) vs -$20.3M (-16% margin) in Q1 2024.","FY2025 revenue guidance raised to ~$1.01B; expects GAAP net income positive in H2 and full year.","Q2 2025 guidance: revenue ~$225M, adjusted EBITDA ~$37M."],"urls":{"canonical":"https://secwatch.observer/filing/0001647639-25-000048","json":"https://secwatch.observer/filing/0001647639-25-000048.json","markdown":"https://secwatch.observer/filing/0001647639-25-000048.md","text":"https://secwatch.observer/filing/0001647639-25-000048.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1647639/000164763925000048/0001647639-25-000048-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1647639/000164763925000048/upst-20250506.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-22T12:30:01.424279+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"}