---
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"
generated_at: "2026-05-16T03:36:35.760738+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1647639/000164763926000025/0001647639-26-000025-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1647639/000164763926000025/upst-20260210.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001647639-26-000025
- JSON: https://secwatch.observer/filing/0001647639-26-000025.json
- Plain text: https://secwatch.observer/filing/0001647639-26-000025.txt

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