Upstart Q4 revenue $296M (+35% YoY); net income $18.6M; guides FY26 ~$1.4B; CEO succession to Paul Gu

Upstart Holdings, Inc.

2025-FY EPS reported $0.45 revenue$1,043,857,000

Q4 revenue $296M (+35% YoY); net income $18.6M ($0.17 diluted EPS) vs year-ago loss of $2.8M.
Full-year 2025 revenue $1.0B (+64% YoY); net income $53.6M ($0.45) vs 2024 loss of $129M.
Guides FY 2026: revenue ~$1.4B, adj. EBITDA margin ~21%; targeting 35% CAGR through 2028.
Co-founder Paul Gu to become CEO on May 1, 2026; Dave Girouard remains as co-founder.

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