secwatch.observer — SEC 8-K summary
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Issuer:     Upstart Holdings, Inc. (UPST)
CIK:        0001647639
Form:       8-K
Filed at:   2026-02-10T23:59:59+00:00
Accession:  0001647639-26-000025
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1647639/000164763926000025/0001647639-26-000025-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1647639/000164763926000025/upst-20260210.htm
  HTML page:      https://secwatch.observer/filing/0001647639-26-000025

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