{"schema_version":"secwatch.filing_event.v1","accession":"0001647639-26-000025","form_type":"8-K","ticker":"UPST","cik":"0001647639","company_name":"Upstart Holdings, Inc.","filed_at":"2026-02-10T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.746738+00:00","generated_at":"2026-05-16T03:36:35.760738+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 Q4 revenue $296M (+35% YoY); net income $18.6M; guides FY26 ~$1.4B; CEO succession to Paul Gu","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001647639-26-000025","json":"https://secwatch.observer/filing/0001647639-26-000025.json","markdown":"https://secwatch.observer/filing/0001647639-26-000025.md","text":"https://secwatch.observer/filing/0001647639-26-000025.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1647639/000164763926000025/0001647639-26-000025-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1647639/000164763926000025/upst-20260210.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T03:36:35.760738+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"}