UPST
Upstart Holdings Inc
NASDAQ: UPST · FINANCIAL SERVICES · CREDIT SERVICES
$30.48
-7.24% today
Updated 2026-04-29
Market cap
$2.92B
P/E ratio
67.73
P/S ratio
2.71x
EPS (TTM)
$0.45
Dividend yield
—
52W range
$24 – $87
Volume
4.8M
Upstart Holdings Inc (UPST) Earnings
Quarterly earnings history, analyst estimates, and stock price reaction.
EPS beat streak
8 of 8
Last 8 quarters
Avg EPS surprise
+39.4%
Last 4 quarters
Revenue YoY growth
+34.4%
Most recent quarter
EPS YoY growth
-34.6%
Most recent quarter
Earnings surprise history (last 12 quarters)
Beat estimate Missed estimate
Quarterly EPS and revenue trend
Quarterly revenue EPS (diluted)
How the stock reacts to earnings
Avg 1-day reaction
-13.8%
Last 3 reports
Positive reaction rate
0%
0 of 3 quarters
Largest single-day move
-18.9%
2025-08-05
| Report date | EPS actual | Surprise | Close before | Close after | 1-day reaction |
|---|---|---|---|---|---|
| 2026-02-10 | $0.17 | +13.3% | $38.85 | $33.10 | -14.8% |
| 2025-11-06 | $0.52 | +23.8% | $41.75 | $38.60 | -7.5% |
| 2025-08-05 | $0.36 | +44.0% | $82.83 | $67.14 | -18.9% |
Quarterly earnings history
| Fiscal quarter ending | EPS estimate | EPS actual | Surprise | Revenue | YoY revenue |
|---|---|---|---|---|---|
| 2025-12-31 | $0.15 | $0.17 | +13.3% | $304.17M | +34.4% |
| 2025-09-30 | $0.42 | $0.52 | +23.8% | $285.90M | +65.3% |
| 2025-06-30 | $0.25 | $0.36 | +44.0% | $265.06M | +90.6% |
| 2025-03-31 | $0.17 | $0.30 | +76.5% | $220.39M | +59.1% |
| 2024-12-31 | $-0.04 | $0.26 | +750.0% | $226.40M | +52.0% |
| 2024-09-30 | $-0.15 | $-0.06 | +60.0% | $172.96M | +28.5% |
| 2024-06-30 | $-0.39 | $-0.17 | +56.4% | $139.10M | +2.5% |
| 2024-03-31 | $-0.39 | $-0.31 | +20.5% | $138.51M | — |
| 2023-12-31 | $-0.14 | $-0.11 | +21.4% | $148.94M | — |
| 2023-09-30 | $-0.02 | $-0.05 | -150.0% | $134.56M | — |
| 2023-06-30 | $-0.07 | $0.06 | +185.7% | $135.77M | — |
Frequently asked questions
Has Upstart Holdings Inc beaten earnings estimates?
Upstart Holdings Inc has beaten Wall Street EPS estimates in 8 of its last 8 quarterly reports, with an average EPS surprise of +39.4% over the last 4 quarters.
How does UPST stock react to earnings?
UPST stock has moved an average of -13.8% in the trading day following earnings over its last 3 reports, with positive reactions in 0% of those quarters.
What is Upstart Holdings Inc's revenue growth rate?
Upstart Holdings Inc reported year-over-year revenue growth of +34.4% in its most recent quarter, with EPS growing -34.6% year-over-year.