{"schema_version":"secwatch.filing_event.v1","accession":"0001647639-26-000062","form_type":"8-K","ticker":"UPST","cik":"0001647639","company_name":"Upstart Holdings, Inc.","filed_at":"2026-08-04T20:05:48+00:00","discovered_at":"2026-08-04T20:07:00.223737+00:00","generated_at":"2026-08-04T20:07:32.404802+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 Q2 2026: revenue up 42% YoY, net income $16.5M, originations $4.2B","bullets":["Originations $4.2B (+50% YoY); total revenue $365M (+42% YoY); net income $16.5M (+195% YoY), diluted EPS $0.16.","Contribution Profit all-time high $193M (+37% YoY); Contribution Margin 55% vs 58% in Q2 2025.","Adjusted EBITDA $76.9M (+45% YoY); margin 21% unchanged; FY2026 guidance reaffirmed: revenue ~$1.4B, EBITDA ~$294M.","Unsecured revenue from fees $326M (+38% YoY); Secured combined Contribution Margin improved to -35% from -176% YoY.","Returned to GAAP profitability; CEO cites re-accelerating growth and funding without equity capital."],"urls":{"canonical":"https://secwatch.observer/filing/0001647639-26-000062","json":"https://secwatch.observer/filing/0001647639-26-000062.json","markdown":"https://secwatch.observer/filing/0001647639-26-000062.md","text":"https://secwatch.observer/filing/0001647639-26-000062.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1647639/000164763926000062/0001647639-26-000062-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1647639/000164763926000062/upst-20260804.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-08-04T20:07:32.404802+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"}