secwatch.observer — SEC 8-K summary
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Issuer:     Upstart Holdings, Inc. (UPST)
CIK:        0001647639
Form:       8-K/A
Filed at:   2025-08-06T23:59:59+00:00
Accession:  0001647639-25-000099
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1647639/000164763925000099/0001647639-25-000099-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1647639/000164763925000099/upst-20250805.htm
  HTML page:      https://secwatch.observer/filing/0001647639-25-000099

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer