---
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"
generated_at: "2026-05-17T19:32:36.369869+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Upstart corrects Q2 adjusted EPS to $0.40; revenue up 102% YoY to $257M

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001647639-25-000099
- JSON: https://secwatch.observer/filing/0001647639-25-000099.json
- Plain text: https://secwatch.observer/filing/0001647639-25-000099.txt

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