Upstart Holdings, INC. (UPST) — SEC Filings

Q: What are the key financial highlights for Upstart Holdings, INC.?

Key financial highlights for Upstart Holdings, INC. are extracted from the most recent 10-K or 10-Q filings, including revenue, net income, EPS, debt-to-equity, cash position, and operating margin.

Q: Who are the key executives at Upstart Holdings, INC.?

Key executives at Upstart Holdings, INC. are identified from SEC filings including 10-K annual reports, proxy statements, and insider trade forms.

Q: What are the main risk factors for Upstart Holdings, INC. stock?

Risk factors for Upstart Holdings, INC. (UPST) are assessed from SEC filings using AI analysis. Each filing is categorized as high, medium, or low risk based on disclosed risk factors and financial indicators.

Q: What are recent predictions and forward guidance from Upstart Holdings, INC.?

Forward-looking statements and predictions from Upstart Holdings, INC. are extracted from SEC filings including earnings reports, annual reports, and current event filings.

Latest SEC filings for Upstart Holdings, INC.. Recent 10-Q filing on Nov 4, 2025. AI-decoded analysis of earnings, risk factors, and insider trades.

View Upstart Holdings, INC. on SEC EDGAR

Overview

Upstart Holdings, INC. (UPST) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 10-Q filed on Nov 4, 2025: Upstart Holdings, Inc. reported a significant turnaround, achieving a net income of $31.8 million for the three months ended September 30, 2025, compared to a net loss of $6.8 million in the same period of 2024. Total revenue surged to $277.1 million in Q3 2025, a substantial increase from $162.1 mi

Sentiment Summary

Across 28 filings, the sentiment breakdown is: 4 bullish, 23 neutral, 1 mixed. The dominant filing sentiment for Upstart Holdings, INC. is neutral.

Filing Type Overview

Upstart Holdings, INC. (UPST) has filed 6 10-Q, 13 8-K, 1 10-Q/A, 2 DEF 14A, 2 10-K, 1 8-K/A, 2 SC 13G/A, 1 SC 13G with the SEC between Jan 2024 to Nov 2025.

Filings by Year

2025 · 2024

Recent Filings (28)

Upstart Swings to Profit on Soaring Fee Revenue — 10-Q · Nov 4, 2025 Risk: medium
Upstart Holdings, Inc. reported a significant turnaround, achieving a net income of $31.8 million for the three months ended September 30, 2025, compared to a n
Upstart Holdings Reports Material Agreements & Equity Sales — 8-K · Aug 14, 2025 Risk: medium
Upstart Holdings, Inc. filed an 8-K on August 14, 2025, reporting several key events. These include entering into a material definitive agreement, terminating a
Upstart Amends Q2 Filing, Clarifies Equity & Fee Structures — 10-Q/A · Aug 6, 2025 Risk: medium
Upstart Holdings, Inc. filed a 10-Q/A for the period ending June 30, 2025, indicating a restatement or amendment to its previous quarterly report. While specifi
Upstart's Q2 Revenue Soars 68.5% on Strong AI Lending Growth — 10-Q · Aug 5, 2025 Risk: medium
Upstart Holdings, Inc. reported a significant increase in revenue for Q2 2025, with total revenue reaching $460 million, a substantial rise from $273 million in
Upstart Holdings Files 8-K on Shareholder Vote Matters — 8-K · May 23, 2025 Risk: low
Upstart Holdings, Inc. filed an 8-K on May 23, 2025, to report on the submission of matters to a vote of security holders. The filing does not contain specific
Upstart Holdings Files Q1 2025 10-Q — 10-Q · May 6, 2025 Risk: medium
Upstart Holdings, Inc. filed its 10-Q for the period ending March 31, 2025. The filing details financial performance and operational updates for the first quart
Upstart Holdings Files 8-K — 8-K · May 2, 2025 Risk: medium
Upstart Holdings, Inc. filed an 8-K on May 2, 2025, reporting an event under 'Other Events'. The filing does not disclose specific details about the event itsel
Upstart Holdings Files DEF 14A for FY2024 — DEF 14A · Apr 4, 2025 Risk: medium
Upstart Holdings, Inc. filed its DEF 14A on April 4, 2025, for the fiscal year ending December 31, 2024. The filing details executive compensation and other cor
Upstart Holdings 8-K: Officer/Director Changes & Compensation — 8-K · Feb 19, 2025 Risk: medium
Upstart Holdings, Inc. filed an 8-K on February 19, 2025, reporting on events that occurred on February 18, 2025. The filing covers the departure of directors o
Upstart Holdings Files 8-K: Material Agreement & Financials — 8-K · Feb 14, 2025 Risk: medium
Upstart Holdings, Inc. filed an 8-K on February 14, 2025, reporting a material definitive agreement and financial statements. The filing does not disclose speci
Upstart Holdings Files 2024 10-K — 10-K · Feb 14, 2025 Risk: medium
Upstart Holdings, Inc. filed its 2024 10-K on February 14, 2025, reporting on its fiscal year ending December 31, 2024. The company, based in San Mateo, Califor
Upstart Holdings Files 8-K/A Amendment — 8-K/A · Feb 13, 2025 Risk: low
Upstart Holdings, Inc. filed an 8-K/A on February 13, 2025, to amend a previous filing. The amendment pertains to information reported as of February 11, 2025,
Upstart Holdings Files 8-K on Financials — 8-K · Feb 11, 2025 Risk: low
Upstart Holdings, Inc. filed an 8-K on February 11, 2025, reporting on its results of operations and financial condition. The filing includes financial statemen
Upstart Holdings Files 8-K: Material Agreement & Equity Sales — 8-K · Nov 15, 2024 Risk: medium
On November 12, 2024, Upstart Holdings, Inc. entered into a material definitive agreement, creating a direct financial obligation. The company also reported on
Upstart Holdings Inc. Files Q3 2024 10-Q — 10-Q · Nov 8, 2024 Risk: medium
Upstart Holdings, Inc. filed its 10-Q for the period ending September 30, 2024. The filing covers financial performance and operational details for the third qu
Upstart Holdings Files 8-K on Financials — 8-K · Nov 7, 2024 Risk: medium
Upstart Holdings, Inc. filed an 8-K on November 7, 2024, reporting on its financial condition and results of operations. The filing details the company's financ
Upstart Holdings Files 8-K on Material Agreements & Equity Sales — 8-K · Sep 19, 2024 Risk: medium
Upstart Holdings, Inc. filed an 8-K on September 19, 2024, reporting on several key events. These include entering into a material definitive agreement, creatin
Upstart Holdings Files Q2 2024 10-Q — 10-Q · Aug 7, 2024 Risk: medium
Upstart Holdings, Inc. filed its 10-Q for the period ending June 30, 2024. The filing covers the second quarter of 2024 and provides financial updates for the c
Upstart Holdings Files 8-K for Financial Reporting — 8-K · Aug 6, 2024 Risk: low
Upstart Holdings, Inc. filed an 8-K on August 6, 2024, to report on its results of operations and financial condition, and to file financial statements and exhi
Upstart Holdings Files 8-K on Shareholder Votes — 8-K · May 31, 2024 Risk: low
Upstart Holdings, Inc. filed an 8-K on May 31, 2024, reporting on matters submitted to a vote of security holders as of May 29, 2024. The filing details the com
Upstart Holdings, Inc. Files 10-Q for Period Ending March 31, 2024 — 10-Q · May 8, 2024 Risk: medium
Upstart Holdings, Inc. (UPST) filed a Quarterly Report (10-Q) with the SEC on May 8, 2024. Upstart Holdings, Inc. filed its 10-Q report for the period ending Ma
Upstart Holdings Files 8-K on Financials — 8-K · May 7, 2024 Risk: low
Upstart Holdings, Inc. filed an 8-K on May 7, 2024, reporting on its results of operations and financial condition. The filing includes financial statements and
Upstart Holdings, Inc. DEF 14A Filing — DEF 14A · Apr 5, 2024 Risk: low
Upstart Holdings, Inc. (UPST) filed a Proxy Statement (DEF 14A) with the SEC on April 5, 2024. Filing is a DEF 14A for Upstart Holdings, Inc. for the period end
Upstart Holdings, Inc. Files 2023 Annual Report on Form 10-K — 10-K · Feb 15, 2024 Risk: medium
Upstart Holdings, Inc. (UPST) filed a Annual Report (10-K) with the SEC on February 15, 2024. Upstart Holdings, Inc. filed its 2023 Form 10-K on February 15, 20
SC 13G/A Filing — SC 13G/A · Feb 13, 2024
Upstart Files 8-K for Financial Results on Feb 13 — 8-K · Feb 13, 2024 Risk: low
Upstart Holdings, Inc. filed an 8-K on February 13, 2024, to report on its "Results of Operations and Financial Condition" and "Financial Statements and Exhibit
Upstart CEO Dave Girouard Maintains 12.8M Share Stake — SC 13G/A · Feb 9, 2024 Risk: low
Dave Girouard, CEO of Upstart Holdings, Inc., filed an amended SC 13G/A on February 9, 2024, disclosing his beneficial ownership of 12,835,880 shares of Upstart
BlackRock Discloses Significant Passive Stake in Upstart Holdings — SC 13G · Jan 29, 2024
BlackRock Inc., a major investment firm, reported on January 29, 2024, that as of December 31, 2023, it holds a significant stake in Upstart Holdings, Inc. This

Risk Profile

Risk Assessment: Of UPST's 26 recent filings, 0 were flagged as high-risk, 17 as medium-risk, and 9 as low-risk. The overall risk profile suggests moderate risk with a balanced mix of positive and cautionary disclosures.

Financial Highlights

Key financial metrics from Upstart Holdings, INC.'s most recent 10-Q filing (Nov 4, 2025):

Revenue: $277.1M
Net Income: $31.8M
EPS: $0.33
Debt-to-Equity: 2.97
Cash Position: $489.8M
Operating Margin: N/A
Total Assets: $2,904.8M
Total Debt: $1,855.8M

Key Executives

Dave Girouard

Industry Context

Upstart operates in the rapidly evolving fintech lending sector, characterized by intense competition from traditional financial institutions and other tech-driven lenders. The industry is increasingly leveraging AI and machine learning to assess creditworthiness and automate loan processes. Key trends include a focus on improving borrower experience, expanding access to credit, and navigating a dynamic regulatory environment.

Top Tags

financial-reporting (5) · Fintech (4) · material-agreement (4) · 10-Q (4) · financials (4) · AI Lending (3) · equity-sale (3) · financial-obligation (3) · corporate-governance (3) · 8-k (3)

Key Numbers

Net Income: $31.8M — Q3 2025, a significant turnaround from a $6.8M net loss in Q3 2024.
Total Revenue: $277.1M — Q3 2025, up from $162.1M in Q3 2024, demonstrating strong growth.
Revenue from Fees, Net: $258.5M — Q3 2025, a primary driver of revenue growth, up from $167.6M in Q3 2024.
Loans (at fair value): $1,229.9M — As of Sep 30, 2025, increased from $806.3M at Dec 31, 2024, indicating higher origination/retention.
Borrowings: $1,855.8M — As of Sep 30, 2025, increased from $1,402.2M at Dec 31, 2024, reflecting increased funding needs.
Sales and Marketing Expenses: $78.8M — Q3 2025, up from $43.2M in Q3 2024, indicating increased investment in growth.
Net Income Per Share, Basic: $0.33 — Q3 2025, a positive shift from a loss of $0.07 per share in Q3 2024.
Shares Outstanding: 97,286,484 — As of October 28, 2025, reflecting share issuance.
Common Stock: $460M — Increased from $459M on Dec 31, 2024, to $460M on June 30, 2025
Additional Paid-In Capital: $273M — Remained at $273M from Dec 31, 2024, to June 30, 2025, with minor adjustments
Retained Earnings: $459M — Remained at $459M from Dec 31, 2024, to June 30, 2025
Minimum Fee Rate: 0.35056% — Minimum fee rate for the six months ended June 30, 2025
Maximum Fee Rate: 2.19029% — Maximum fee rate for the six months ended June 30, 2025
Total Revenue Q2 2025: $460M — Increased from $273M in Q2 2024, representing 68.5% growth.
Platform and Referral Fees Q2 2025: $459M — Significant driver of revenue growth, up from $273M in Q2 2024.

Forward-Looking Statements

{"claim":"Dave Girouard will maintain a significant ownership stake in Upstart Holdings, Inc.","entity":"Dave Girouard","targetDate":"December 31, 2024","confidence":"high"}

Related Companies

SOFI · LC · LPRO

Frequently Asked Questions

What are the latest SEC filings for Upstart Holdings, INC. (UPST)?

Upstart Holdings, INC. has 28 recent SEC filings from Jan 2024 to Nov 2025, including 13 8-K, 6 10-Q, 2 DEF 14A. Each filing includes an AI-generated plain-English summary.

What is the overall sentiment of UPST filings?

Across 28 filings, the sentiment breakdown is: 4 bullish, 23 neutral, 1 mixed. The dominant sentiment is neutral.

Where can I find Upstart Holdings, INC. SEC filings explained simply?

ReadTheFiling provides AI-powered plain-English summaries of all Upstart Holdings, INC. (UPST) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.

What are the key financial highlights for Upstart Holdings, INC.?

Key financial highlights from Upstart Holdings, INC.'s most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.

What is the investment thesis for UPST?

The investment thesis for UPST includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.

Who are the key executives at Upstart Holdings, INC.?

Key executives identified across Upstart Holdings, INC.'s filings include Dave Girouard.

What are the main risk factors for Upstart Holdings, INC. stock?

Of UPST's 26 assessed filings, 0 were flagged high-risk, 17 medium-risk, and 9 low-risk.

What are recent predictions and forward guidance from Upstart Holdings, INC.?

Recent forward-looking statements from Upstart Holdings, INC. include guidance on {"claim":"Dave Girouard will maintain a significant ownership stake in Upstart Holdings, Inc.","entity":"Dave Girouard",.