UPST
Upstart Holdings, Inc.46.91
+0.86+1.87%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
FY Q4 '25
Reaffirms growth; details margin trade-offs.
Q&A largely reaffirmed the scripted story of new-product acceleration and balance sheet shrinkage, while detailing why contribution margins face intentional pressure from secured mix and lifetime-value pricing for bigger TAM and brand loyalty. Funding partners proved resilient amid private-credit noise, with 70% of auto/home off-balance-sheet and banks eyeing larger secured deals. Consumer signals stayed solid, UMI normalized post-Q3 blip. Paul touted AI flywheel moat. Management coy on balance-sheet targets, viewing it as R&D tool. Upstart enters 2026 lean and scaling.
Key Stats
Market Cap
4.56BP/E (TTM)
180.42Basic EPS (TTM)
0.26Dividend Yield
0%Recent Filings
8-K
Upstart seeks bank charter
Upstart announced plans on March 10, 2026, to apply for an insured national bank charter from the OCC and FDIC, plus bank holding company status from the Fed. Approval would cut operational, regulatory, and financial complexity, enabling direct lending with lower borrower rates via deposit funding. Partners remain primary capital sources. Regulatory approval not guaranteed.
8-K
Upstart repurchases $100M shares
8-K
Crushed Q4 with profitability
10-K
FY2025 results
No financial statements, quarterly breakdowns, or results disclosed in the provided 10-K filing. Core metrics like revenue, net loss, EPS, and segment performance absent from the excerpt. Q4 momentum and annual context unavailable. Liquidity and capital allocation details not provided. No guidance for FY2026. Regulatory shifts remain a key risk.
8-K
Upstart CEO transition announced
Upstart shakes up leadership: Paul Gu steps in as CEO effective May 1, 2026, succeeding Dave Girouard, who shifts to Executive Chairman with salary slashed to $15,000. Sanjay Datta becomes President and Chief Capital Officer immediately, while Andrea Blankmeyer joins as CFO on March 16. New execs snag hefty PRSUs tied to four-year relative TSR vs. F-Prime Fintech Index. Leadership refresh signals bold pivot.
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