earnings
confidence high
sentiment positive
materiality 0.80
Upstart Q2 revenue $257M (+102% YoY); GAAP net income $5.6M, first quarterly profit
Upstart Holdings, Inc.
2025-Q2 EPS reported
$0.03
revenue$470,662,000
- Revenue $257M (+102% YoY); GAAP net income $5.6M vs loss of $54.5M in Q2 2024.
- Originations >$2.8B (+154% YoY); conversion rate 23.9% vs 15.2% a year ago.
- Adjusted EBITDA $53.1M (21% margin) vs negative $9.3M in Q2 2024.
- Q3 guidance: revenue ~$280M, GAAP net income ~$9M, adjusted EBITDA ~$56M.
- Full-year 2025 revenue guided to ~$1.055B; GAAP net income expected ~$35M.
item 2.02item 9.01