{"schema_version":"secwatch.filing_event.v1","accession":"0001647639-25-000133","form_type":"8-K","ticker":"UPST","cik":"0001647639","company_name":"Upstart Holdings, Inc.","filed_at":"2025-11-04T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.038652+00:00","generated_at":"2026-05-17T00:38:46.474358+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Upstart Q3 revenue $277M (+71% YoY); turns GAAP profitable with $31.8M net income","bullets":["Total originations of $2.9B, up 80% YoY; loan conversion rate 20.6% vs 16.3% a year ago.","GAAP net income $31.8M ($0.23 diluted EPS) vs ($6.8M) loss in Q3 2024.","Adjusted EBITDA $71.2M (26% margin) vs $1.4M in Q3 2024.","Q4 2025 guidance: total revenue ~$288M, GAAP net income ~$17M.","Full-year 2025 revenue expected ~$1.035B; adjusted EBITDA margin ~22%."],"urls":{"canonical":"https://secwatch.observer/filing/0001647639-25-000133","json":"https://secwatch.observer/filing/0001647639-25-000133.json","markdown":"https://secwatch.observer/filing/0001647639-25-000133.md","text":"https://secwatch.observer/filing/0001647639-25-000133.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1647639/000164763925000133/0001647639-25-000133-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1647639/000164763925000133/upst-20251104.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T00:38:46.474358+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"}