{"schema_version":"secwatch.filing_event.v1","accession":"0001647639-25-000099","form_type":"8-K/A","ticker":"UPST","cik":"0001647639","company_name":"Upstart Holdings, Inc.","filed_at":"2025-08-06T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.557139+00:00","generated_at":"2026-05-17T19:32:36.369869+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 corrects Q2 adjusted EPS to $0.40; revenue up 102% YoY to $257M","bullets":["Corrected diluted Adjusted EPS: Q2 2025 $0.40 (was $0.36); six-month $0.70 (was $0.62). No other changes.","Q2 loan origination volume 372,599 (+159% YoY); total originations >$2.8B (+154% YoY).","Q2 GAAP net income $5.6M vs ($54.5M) loss in Q2 2024; GAAP operating income $4.5M.","Q3 2025 guidance: total revenue ~$280M, GAAP net income ~$9M, adjusted EBITDA ~$56M.","Full-year 2025 guidance: total revenue ~$1.055B, GAAP net income ~$35M, adjusted EBITDA margin ~20%."],"urls":{"canonical":"https://secwatch.observer/filing/0001647639-25-000099","json":"https://secwatch.observer/filing/0001647639-25-000099.json","markdown":"https://secwatch.observer/filing/0001647639-25-000099.md","text":"https://secwatch.observer/filing/0001647639-25-000099.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1647639/000164763925000099/0001647639-25-000099-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1647639/000164763925000099/upst-20250805.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T19:32:36.369869+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"}