Upstart (UPST) Expected to Announce Earnings on Tuesday

Upstart (NASDAQ:UPST) is expected to release its Q4 2025 results after the market closes on Tuesday, February 10th. Analysts expect the company to announce earnings of $0.47 per share and revenue of $288.5350 million for the quarter. Parties may visit the the company’s upcoming Q4 2025 earning results page for the latest details on the call scheduled for Tuesday, February 10, 2026 at 4:30 PM ET.

Upstart (NASDAQ:UPST) last released its quarterly earnings data on Tuesday, November 4th. The company reported $0.52 earnings per share (EPS) for the quarter, topping the consensus estimate of $0.42 by $0.10. Upstart had a net margin of 3.33% and a return on equity of 3.68%. The company had revenue of $258.54 million during the quarter, compared to the consensus estimate of $288.94 million. During the same period in the previous year, the firm earned ($0.07) earnings per share. Upstart’s revenue for the quarter was up 70.9% on a year-over-year basis. On average, analysts expect Upstart to post $0 EPS for the current fiscal year and $1 EPS for the next fiscal year.

Upstart Stock Up 1.1%

Upstart stock opened at $39.69 on Tuesday. The firm has a fifty day moving average of $46.15 and a 200-day moving average of $54.71. Upstart has a 52-week low of $31.40 and a 52-week high of $96.43. The firm has a market capitalization of $3.86 billion, a P/E ratio of 180.42 and a beta of 2.28.

Analyst Upgrades and Downgrades

Several research firms have commented on UPST. Needham & Company LLC cut their price objective on Upstart from $82.00 to $56.00 and set a “buy” rating on the stock in a research report on Wednesday, November 5th. JPMorgan Chase & Co. lowered their target price on Upstart from $88.00 to $65.00 and set an “overweight” rating for the company in a research note on Wednesday, November 5th. Stephens reduced their price target on Upstart from $55.00 to $40.00 and set an “equal weight” rating on the stock in a research report on Wednesday, November 5th. Morgan Stanley set a $45.00 price target on Upstart in a report on Wednesday, November 5th. Finally, The Goldman Sachs Group reiterated a “sell” rating and set a $40.00 price objective on shares of Upstart in a research note on Thursday, November 6th. Six investment analysts have rated the stock with a Buy rating, five have issued a Hold rating and two have assigned a Sell rating to the company. According to MarketBeat.com, the company has an average rating of “Hold” and an average price target of $60.36.

Insider Activity at Upstart

In related news, insider Natalia Mirgorodskaya sold 762 shares of the company’s stock in a transaction on Tuesday, November 25th. The shares were sold at an average price of $38.91, for a total value of $29,649.42. Following the sale, the insider directly owned 26,398 shares of the company’s stock, valued at $1,027,146.18. This represents a 2.81% decrease in their ownership of the stock. The transaction was disclosed in a legal filing with the SEC, which is accessible through this link. Also, CFO Sanjay Datta sold 13,624 shares of the firm’s stock in a transaction on Thursday, November 20th. The stock was sold at an average price of $36.58, for a total transaction of $498,365.92. Following the transaction, the chief financial officer directly owned 284,280 shares of the company’s stock, valued at approximately $10,398,962.40. This represents a 4.57% decrease in their ownership of the stock. The disclosure for this sale is available in the SEC filing. Insiders have sold a total of 16,707 shares of company stock worth $633,080 in the last ninety days. 16.67% of the stock is currently owned by corporate insiders.

Institutional Inflows and Outflows

A number of large investors have recently bought and sold shares of the company. CIBC Bancorp USA Inc. bought a new stake in shares of Upstart in the 3rd quarter valued at approximately $456,000. XTX Topco Ltd bought a new position in shares of Upstart in the 3rd quarter worth about $532,000. Virtus Advisers LLC boosted its holdings in shares of Upstart by 211.5% in the 3rd quarter. Virtus Advisers LLC now owns 5,670 shares of the company’s stock valued at $288,000 after buying an additional 3,850 shares during the period. Voloridge Investment Management LLC lifted its holdings in Upstart by 79.8% in the third quarter. Voloridge Investment Management LLC now owns 970,306 shares of the company’s stock worth $49,292,000 after acquiring an additional 430,535 shares during the last quarter. Finally, Wexford Capital LP acquired a new position in Upstart in the third quarter valued at approximately $77,000. Institutional investors own 63.01% of the company’s stock.

About Upstart

Upstart Holdings, Inc operates a cloud-based lending marketplace that leverages artificial intelligence and machine learning to assess borrower creditworthiness. The company partners with banks and credit unions, providing its proprietary AI models and underwriting platform to facilitate consumer credit products. By focusing on non‐traditional data points—such as education, employment history and other real‐time indicators—Upstart seeks to improve approval rates and lower loss rates compared with conventional credit scoring methods.

Upstart’s core offering centers on unsecured personal loans, which borrowers can use for purposes such as debt consolidation, home improvements or major purchases.