{"schema_version":"secwatch.filing_event.v1","accession":"0001647639-25-000091","form_type":"8-K","ticker":"UPST","cik":"0001647639","company_name":"Upstart Holdings, Inc.","filed_at":"2025-08-05T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.557282+00:00","generated_at":"2026-05-17T20:46:26.808365+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Upstart Q2 revenue $257M (+102% YoY); GAAP net income $5.6M, first quarterly profit","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001647639-25-000091","json":"https://secwatch.observer/filing/0001647639-25-000091.json","markdown":"https://secwatch.observer/filing/0001647639-25-000091.md","text":"https://secwatch.observer/filing/0001647639-25-000091.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1647639/000164763925000091/0001647639-25-000091-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1647639/000164763925000091/upst-20250805.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T20:46:26.808365+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"}