Upstart Holdings, Inc.
Upstart Holdings provides an AI-powered lending marketplace that uses proprietary machine learning models to underwrite unsecured and secured credit products including personal loans, auto loans, and home equity lines of credit.
Upstart Holdings, Inc is a Financial Services company operating in Credit Services with a $3.10B market cap.
Most recent reported earnings: Q2 FY2026 (Aug 3, 2026).
21 earnings calls indexed on Spoken Alpha.
Behavioral analysis
Disclosures
Transcripts
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
History
| Period | Reported | EPS actual | EPS consensus | EPS surprise | Revenue actual | Revenue consensus | Rev. surprise | Source |
|---|---|---|---|---|---|---|---|---|
| Q2 FY2026 |
Spoken Alpha tracks UPST's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Beats consensus 10/10 quarters with 50% positive reaction rate
SampleSpoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
Peers
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for UPST.
$ curl https://api.spokenalpha.com/v1/companies/UPSTFAQ
Spoken Alpha indexes UPST's earnings call transcripts at https://spokenalpha.com/companies/UPST. Each call links to attributed speakers and parsed analyst Q&A.
Upstart Holdings, Inc. (UPST) held its most recent earnings call on 2026-05-05, covering fiscal Q1 2026.
Upstart Holdings, Inc. (UPST) operates in the Financial Services sector (Credit Services industry).
| 2026-08-03 |
| — |
| $0.30 |
| — |
| — |
| — |
| — |
EODHD |
Source: EODHD. UPST reported actuals as published; sparse fields render as —.
Consistent execution against consensus with the stock following through is the cleanest signal a guidance regime is calibrated. Worth watching for the inflection where execution deteriorates relative to the bar.
Raised guidance 8 quarters in a row
SampleConsecutive raises tighten the bar quarter over quarter. Watch the most recent print for the magnitude of the beat — a smaller beat against a higher bar is the early signal that the regime is breaking.
| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $1.11 | $0.97 | +14.9% | -1.3% | -2.0% |
| Q4 FY2026 | $1.14 | $0.96 | +19.2% | -7.5% | -10.2% |
| Q3 FY2026 | $1.12 | $1.04 | +7.6% | +1.8% | -0.2% |
| Q2 FY2026 | $1.20 | $1.10 | +8.7% | +0.8% | -2.0% |
| Q1 FY2025 | $0.99 | $0.87 | +13.7% | -8.0% | -6.4% |
CFO since 2026 • 1/2 beats (50%) • last call held guidance Q2 FY2026
| Q4 FY2025 |
| $1.24 |
| $1.09 |
| +13.7% |
| +0.8% |
| -0.2% |
| Q3 FY2025 | $1.25 | $1.12 | +11.3% | -2.1% | -2.6% |
| Q2 FY2025 | $1.10 | $0.93 | +18.4% | -5.5% | -7.8% |
| Q1 FY2024 | $1.29 | $1.09 | +18.5% | +1.8% | +3.1% |
| Q4 FY2024 | $1.18 | $0.97 | +21.8% | +1.4% | +3.2% |